Mark Ware
West Point,VA
Summary
Results-driven and forward-thinking Vice President with solid record of accomplishment in banking over 39-year career. Success capturing new business while streamlining processes to maximize business efficiency and profitability. Innovative and resourceful with exceptional business acumen.
Overview
39
39
years of professional experience
Work History
Branch Manager II and Vice President
United Bank
Charleston, WV
08.2022 - Current
- Responsible for managing the functions of a full service branch, including maintaining existing and developing new customer relationships.
- Manages and coaches the branch sale team to effectively provide financial solutions to customers.
- Conducts audits and oversees completion of monthly and quarterly branch audits
- Complies with and has knowledge of all bank security and operating policies and procedures.
- Responsible for supervising, coaching, and developing of branch staff and ensuring the communication and adherence with all bank best practices, policies, procedures, and regulations.
- Refers customers to wealth management, brokerage and commercial representatives as appropriate.
- Participates as a member branch-local civic organizations to promote bank name, products and services.
- Accountable for meeting monthly branch and/or individual scorecard sales goals on a consistent basis by monitoring self-performance and following action plans.
- Coordinates with Regional Managers and Human Resources on the hiring of new employees, performance reviews, employee discipline, terminations and salary adjustments.
- Maintains an active NMLS license by completing all training and renewal requirements.
- Manages overall responsibility for settlement of branch cash.
Account Executive Loan Officer
Builders Trust Capital, LLC
Turnersville, NJ
01.2022 - 07.2022
- Conducted interviews with applicants and collected documentation to verify income, assets, liabilities, credit history and other financial information.
- Reviewed loan applications to determine creditworthiness and eligibility for approval.
- Ensured compliance with federal, state, and local regulations as well as company policies and procedures.
- Performed detailed analysis of customer accounts to identify potential opportunities to increase revenue or reduce risk.
- Assessed borrower's ability to repay based on debt-to-income ratio calculations.
- Established, developed, and maintained client referral relationships with builders, developers, realtors, brokers, appraisers and title agents.
- Prospect and source lending opportunities on both new and existing relationships.
- Collect and report on prospect and lead conversion data in a CRM system.
Small Business Lender and Assistant Vice President
Essex Bank
West Point, VA
01.2015 - 12.2021
- Responsible for individual sales responsibilities in lending and all related lines of business including calling on new and existing customers.
- Maintained and developed commercial loan portfolio of over $14 million consisting of companies with annual revenues from $1 million to $1 billion.
- Developed customer relationships by identifying needs and making appropriate recommendations for products and services.
- Responsible for developing and expanding new and existing customer relationships within assigned territories.
- Obtained and directed the analysis of all necessary financial and credit data for underwriting loan requests and evaluating whether a loan may be an acceptable risk.
- Understands internal credit policies and procedures to include the process of closing a loan. Responsible for servicing loans and deposit clients.
- Consistently met loan and deposit goals for the past 3 years.
Branch Manager and Assistant Vice President
Essex Bank
West Point, VA
02.2007 - 01.2015
- Managed the branch business portfolio for optimum performance.
- Directed branch business development through outside calls, in-branch selling, telemarketing, branch campaigns, and targeted direct mailing.
- Responsible for the sales/service activities, marketing plan, operating budget, profitability and operational integrity of the branch.
- Ensured that the branch sales/service supports the overall corporate objective to provide superior service
- Planned, implemented, and managed the operating and capital budgets to maximize branch profitability.
- Ensured that the branch met all regulatory compliance standards and ensured branch personnel complied with all laws and regulations.
- Documented and communicated individual compliance performance in annual staff evaluations.
- Developed and managed an annual branch marketing budget with specific goals.
Loan Administrative Assistant
Citizens and Farmers Bank
West Point, VA
04.2000 - 02.2007
- Prepare loan packages and was the leader in pre-loan production.
- Reviewed and requested any and all information that was pertinent to the loan process.
- Submit collateral checklists, review commitment letters and review all closing documents.
- Prepare closing documents within all guidelines necessary.
- Knowledge of customer's loans to be able to assist them and service the loan portfolio for the life of the loan.
- Correspondence with attorneys involved with all loan transactions.
- Weekly status reporting including loan reports for lender's review.
- Track all financial statements, collateral, loan advances, wire transfers and maturing notes.
- Proficient in Word and Excel programs.
Loan Department Clerk
Citizens and Farmers Bank
West Point, VA
06.1990 - 04.2000
- Responsible for accepting and processing loan payments.
- Renewing notes, file maintenance, and file creation
- Maintained and balanced cash receivables on a daily basis.
- Assist the tellers as needed.
- Available to management when requested.
- Managed over $5 million in participation loans for the bank president.
- Promoted to supervisor 1999
Central File Clerk/Teller
Citizens and Farmers Bank
West Point, VA
05.1985 - 06.1990
- Maintained files
- Accepted and processed payments.
- Filed corresponding records for customers.
- Assisted management and tellers as needed.
Education
University of Virginia Banker's School
Charlottesville, VA2010
Accounting I And II, Principles of Banking
Rappahannock Community College
Saluda, VAPrinciples of Cost Accounting, Consumer Lending
Rappahannock Community College
Saluda, VASkills
- Loan Origination and Underwriting
- Commercial Lending
- Performance data analysis
- Loan Risk Assessment
- Negotiation Skills
- Verbal and Written Communication Skills
- Ability to prioritize, manage time, and work under pressure
- Very good interpersonal skills
Community Involvement
- West Point Country Club Board of Directors 2006
- West Point Kiwanis 2006
- West Point Chamber of Commerce 2008-2010
- West Point YMCA Board of Directors 2012-2014
- West Point Girls Junior Varsity Basketball Coach 1992-2001
- West Point Girls Varsity Basketball Coach 2005-2014
- West Point Junior Varsity Football Head Coach 2019-2023
References
- Mr. William B. Littreal: Chief Financial Officer Towne Bank Williamsburg 757-236-5652
- Mr. Todd deKrafft: Director of Credit Underwriting Primis Bank Richmond 804-551-0507
- Mrs. Deborah Miller: Vice President Miller Marine Deltaville 804-517-9654
- Mr. George Longest: Retired Consumer and Small Business Loan Manager Essex Bank 804-241-4912
- Mr. Scott D. Atkins: Senior Vice President First National Bank Corp Richmond 804-387-1240
Timeline
Branch Manager II and Vice President
United Bank
08.2022 - Current
Account Executive Loan Officer
Builders Trust Capital, LLC
01.2022 - 07.2022
Small Business Lender and Assistant Vice President
Essex Bank
01.2015 - 12.2021
Branch Manager and Assistant Vice President
Essex Bank
02.2007 - 01.2015
Loan Administrative Assistant
Citizens and Farmers Bank
04.2000 - 02.2007
Loan Department Clerk
Citizens and Farmers Bank
06.1990 - 04.2000
Central File Clerk/Teller
Citizens and Farmers Bank
05.1985 - 06.1990
University of Virginia Banker's School
Accounting I And II, Principles of Banking
Rappahannock Community College
Principles of Cost Accounting, Consumer Lending
Rappahannock Community College