MICHAEL BYRNE
Wyomissing,PA
Summary
Senior banking leader with 20+ years of experience driving profitable growth, operational excellence, and strong risk governance across retail banking and lending environments. Proven ability to lead leaders, execute strategy, and deliver consistent results while strengthening community impact.
Overview
14
14
years of professional experience
Work History
Senior Branch Manager
Citizens Bank
Wyomissing, PA
11.2021 - Current
- Directed market-level leadership for flagship branch, overseeing sales, service, lending operations, and risk management.
- Directed and cultivated a 15-member team, prioritizing accountability coaching and succession planning.
- Surpassed quarterly and annual performance targets, driving sustained growth and profitability.
- Acknowledged for leading sales performance and enhancing customer experience from 2021 to 2026.
- Transformed enterprise strategy into actionable local initiatives that align with growth and risk priorities.
- Assisted children’s charity of Delaware County in enhancing services for children with disabilities and special needs during four-to-six-week sabbatical. Awarded 2025-2026 community service sabbatical award for contributions.
Change Agent
Citizens Bank
Philadelphia, PA
04.2020 - 11.2021
- Developed and implemented change management initiatives aimed at enhancing cross-departmental operational efficiency.
- Facilitated training sessions to support staff adaptation to new processes and systems.
- Executed comprehensive fraud detection measures and digital transformation projects to enhance operational efficiency across bank's network.
- Collaborated with cross-functional teams to identify areas for process improvement initiatives.
- Developed communication plans to ensure transparency during organizational changes.
Universal Banker
Citizens Bank
Wyomissing, PA
01.2019 - 04.2020
- Assisted customers with account inquiries and transaction processing.
- Educated clients on banking products and services to enhance financial literacy.
- Collaborated with team members to improve customer service efficiency.
- Managed cash transactions and maintained accurate records of daily activities.
- Resolved customer issues by providing timely solutions and support.
Licensed Mortgage Consultant (NMLS #1156523)
Prosperity Home Mortgage
Philadelphia, PA
10.2014 - 04.2018
- Closed 93 residential mortgage loans totaling $20M+ in 2017 while maintaining full RESPA and HMDA compliance.
- Cultivated and directed referral partnerships with over 80 real estate agents across eight offices.
- Fostered strong connections with clients to ensure a seamless and satisfying mortgage experience.
Loan Closer/Post-Closer
First American Mortgage, LLC
Bristol, PA
01.2012 - 10.2014
- Reviewed and verified loan documents for completeness and accuracy.
- Coordinated with lenders, title companies, and borrowers to finalize loan closings.
- Implemented and enforced federal regulations and company policies to ensure organizational compliance.
Education
BBA - Business Legal Studies, Management Information Systems
Temple University – Fox School of Business
Philadelphia, PA2011
Skills
- Market & Portfolio Leadership
- Revenue & Deposit Growth
- Risk & Compliance Management
- Customer Experience Strategy
- Talent & Succession Development
- Community & Business Development
COMMUNITY LEADERSHIP
Variety – The Children’s Charity of Delaware County, Variety – The Children’s Charity of Delaware County, Berks Helping Harvest, Special Olympics
Timeline
Senior Branch Manager
Citizens Bank
11.2021 - Current
Change Agent
Citizens Bank
04.2020 - 11.2021
Universal Banker
Citizens Bank
01.2019 - 04.2020
Licensed Mortgage Consultant (NMLS #1156523)
Prosperity Home Mortgage
10.2014 - 04.2018
Loan Closer/Post-Closer
First American Mortgage, LLC
01.2012 - 10.2014
BBA - Business Legal Studies, Management Information Systems
Temple University – Fox School of Business