John Michael, Jr.
Fort Wayne,IN
Summary
Dynamic Commercial Loan Officer with proven expertise in loan structuring and risk evaluation at Ossian State Bank. Achieved significant reductions in loan approval turnaround time while enhancing portfolio management. Strong communicator and collaborator, adept at identifying market opportunities and driving business growth through strategic initiatives.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Commercial Loan Officer
Ossian State Bank
07.2007 - 12.2017
- Contributed to a positive work environment through open communication and active participation in team meetings and events.
- Streamlined the loan approval process, significantly reducing turnaround time for clients.
- Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
- Collaborated with credit analysts to evaluate loan applications, ensuring accurate risk assessment.
- Conducted comprehensive market research, identifying untapped opportunities for expanding the bank''s commercial lending portfolio.
Banking Center Manager
1st Source Bank
05.1999 - 05.2007
- Implemented robust risk management procedures, minimizing potential losses and maintaining a secure banking environment.
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
- Recruited and hired talent for operations and service delivery and managed branch offices by mentoring and cross-training new leadership as part of succession planning.
- Developed and executed successful business development plans to grow the client base and expand market share.
- Increased branch profitability through quality loan growth, targeted sales strategies and effective cross-selling initiatives.
Financial Analyst
Verizon
07.1995 - 04.1999
- Conducted detailed financial analysis of telephone land lines and long distance calling to identify and evaluate changes in operations, trends and potential areas of improvement.
- Enhanced accuracy of financial projections, incorporating latest market trends and data.
- Facilitated smooth month-end close processes by efficiently reconciling accounts and addressing discrepancies promptly.
- Streamlined financial reporting for better decision-making with clear, concise analysis and presentation.
Education
Bachelor of Science - Business Administration
Bachelor of Science Majoring in Business Administration with a Minor in Accounting
Skills
- Loan structuring
- Risk evaluation
- Cash flow analysis
- Collateral valuation
- Portfolio management
- Closing documents
- Underwriting expertise
Certification
Licensed Real Estate Lender
Timeline
Commercial Loan Officer - Ossian State Bank
07.2007 - 12.2017
Banking Center Manager - 1st Source Bank
05.1999 - 05.2007
Financial Analyst - Verizon
07.1995 - 04.1999
Huntington University - Bachelor of Science, Business Administration
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