Richard Nagel
Rostraver Township,PA
Summary
Talented Vice President with excellent employee development, customer service and analytics skills coupled with more than 20 years of experience. Comfortable giving engaging presentations to clients to drive new business, expand accounts and establish brand profile. Excellent team builder and leader of initiatives. Results-driven with forward-thinking approach centered on company success and competitive growth.
Overview
34
34
years of professional experience
3
3
years of post-secondary education
Work History
VP, Director of Retail Banking
Community Bank
Canonsburg, PA
07.2022 - Current
- Identified opportunities to improve business process flows and productivity.
- Established performance goals for department and provided methods for reaching milestones.
- Increased company growth through collaboration with sales and marketing departments.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Evaluated product development strategies and prepared alternative approaches to goal achievement.
- Monitored industry trends, keeping current on latest changes and competition in industry.
- Identified and resolved issues between employees, promoting better collaboration and mutual respect.
- Established performance goals for department and outlined processes for achievement.
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.
- Managed daily operations while overseeing multiple locations to foster increased productivity.
Owner
RWN Investments
PIttsburgh, PA
09.2016 - Current
- Enhanced operational efficiency and productivity by managing budgets, accounts, and costs.
- Kept records accurate, detailed and fully compliant with reporting requirements to meet state, local, and federal housing requirements.
- Maintained current contract files as prescribed by company contract policies and procedures.
- Carefully screened tenancy applicants, pulling background investigations, credit reports and past rental history.
- Compiled maintenance and repair requests and reached out to local contractors for bid proposals.
- Analyzed operational information for impact on ROI, identified trends and made appropriate adjustments.
- Kept properties in compliance with local, state, and federal regulations.
- Maximized rental income while minimizing expenses through effective planning and control.
Licensed Mortgage Analyst
Reliance First Capital LLC
Green Tree, PA
01.2018 - 01.2022
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Processed loan applications and monitored progress from start to finish.
- Monitored pipelines to track and log status of loans.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Worked with underwriters to fix application problems and resolve issues.
VP of Growth and Development
Don's Appliances
09.2013 - 09.2016
- I was responsible for growing revenue and corporate wide process improvement
- Using Balance Sheet and Income Statement analysis, I identified numerous opportunity area including lowering inventory levels, focusing on the most profitable brands, tracking, and understanding each vendor program to maximize the benefit of terms and volume rebates, and focusing on high profit add-on sales
- I reviewed each product line and its relationship to strategic direction
- As a result, we consolidated product offerings and adjusted the Sales focus on the most overall profitable lines and add-on products
- We renegotiated existing contracts with better terms, margins, and bonuses to increase profit
- Using my Real-Estate knowledge I located, negotiated, and managed the opening of a new store to expand our foot print
- I worked with the ownership team to discover ways to save money and enhance the customer experience in every department.
Owner
Network Staffing LLC
12.2011 - 09.2013
- As owner, I was responsible and accountable for all aspects of the staffing firm
- I handled all Sales, Staffing, Compliance, Workers Compensation, Payroll, Billing and Accounting.
Sales Manager
Commercial Employees
08.2010 - 12.2011
- Responsibilities included increasing sales and revenue growth of existing customers and acquiring new customers
- Selling to CEOs, Presidents, HR Managers and Plant Managers, I prospected, negotiated, and closed all customers; more than doubling the number of customers and diversifying the client base.
VP District Sales Manager
WesBanco
01.2009 - 10.2009
- I was responsible for 15 banking centers about 150 employees, to achieve profit, growth, and customer service objectives
- I spent the first several weeks understanding each Branch Manager, their team and their micro market
- Setting a Strategic plan for the region, I worked on specific tactics for each Branch Manager to achieve the goal
- Then, the Manager and I taught specific Skills to team members raising their effectiveness.
AVP Business Development Officer
Fidelity Bank
07.2005 - 01.2009
- I developed new Deposit and Loan business for the South Hills region
- When I took over the region, its customer base was stagnant
- My plan was to build a profitable referral network through Cold Calling and Networking and leveraging the existing customer base
- I taught the Branch Staff new skills in relationship building and opportunity awareness
- This helped them be more productive and contribute to the sales goals of the branch.
Loan Center Manager/Officer
Dollar Bank
09.1998 - 07.2005
- The Dollar Loan Center was a no cash, lending only office that had never made an annual goal since its open in 1993
- After a review of the loan portfolio and the staff, I realized two things - (1) the Staff wanted to succeed but did not have the skills and (2) the portfolio was under worked
- I trained the staff and looked at every loan in the portfolio for up-sell and cross-sell opportunities
- I also built a professional referral network in the micro market.
Officer
Nations Credit
09.1997 - 09.1998
- Manager of a consumer finance branch that specialized in 90 day same-as-cash and small high interest loans to consumers with sub-prime credit
- The branch had a high level of delinquency and a shrinking loan portfolio
- I turned the staff over and rebuild relationships with business clients
- Concentrated on real estate lending and lowering delinquency
Credit Analyst
PNC Bank
08.1994 - 09.1997
- As a credit analyst, I would approve, decline, or counter offer loan applications within loan authority
- I also would provide sell and cross sell opportunities to the Branches that originated the Loans
- I worked on special lending compliance projects to determine the risk of potential purchase loan portfolios
Collections Manager
PNC Bank
01.1990 - 08.1994
- As Collection manager, I worked limit delinquency and prevent and minimize further loss by the bank.
Education
MBA coursework -
Waynesburg College
B.S.B.A. Marketing -
Waynesburg College
01.2000 - 01.2001
A.S. Accounting -
Robert Morris University
01.1995 - 01.1997
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P.B.A. 3yr Advanced School of Banking, Bucknell University
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Central Atlantic School of Banking, Dickinson College
Supervisory Skills - undefined
Pennsylvania School of Banking
Consumer Lending Skills - undefined
PNC Bank
Skills
Strategies and goals
Budgeting
Strategic planning
Financial Management
Project Management
Business Development
Affiliations
- ACRE Pittsburgh
- Big Brothers and Big Sisters, Washington, PA 2008-2009
- Chartiers Mental Health (Treasurer 2000-2006), a $7m non-profit mental health organization
- Westminster Child Care and Nursery school (Co-Director 2006-2009)
- Greater Good Foundation (Treasurer)
- Junior Achievement instructor, Economics
- Pittsburgh Young Professionals
- Young Real Estate Professionals
- Rotary International
Areas Of Success
- Sales
- Cash Management
- Commercial Lending
- Sales Leadership
- Sales Strategy and Execution
- Consumer Credit
- Management
- Strategic Planning
- Process change management
- Staff development
- Financial Analysis
Timeline
VP, Director of Retail Banking
Community Bank
07.2022 - Current
Licensed Mortgage Analyst
Reliance First Capital LLC
01.2018 - 01.2022
Owner
RWN Investments
09.2016 - Current
VP of Growth and Development
Don's Appliances
09.2013 - 09.2016
Owner
Network Staffing LLC
12.2011 - 09.2013
Sales Manager
Commercial Employees
08.2010 - 12.2011
VP District Sales Manager
WesBanco
01.2009 - 10.2009
AVP Business Development Officer
Fidelity Bank
07.2005 - 01.2009
B.S.B.A. Marketing -
Waynesburg College
01.2000 - 01.2001
Loan Center Manager/Officer
Dollar Bank
09.1998 - 07.2005
Officer
Nations Credit
09.1997 - 09.1998
A.S. Accounting -
Robert Morris University
01.1995 - 01.1997
Credit Analyst
PNC Bank
08.1994 - 09.1997
Collections Manager
PNC Bank
01.1990 - 08.1994
MBA coursework -
Waynesburg College
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P.B.A. 3yr Advanced School of Banking, Bucknell University
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Central Atlantic School of Banking, Dickinson College
Supervisory Skills - undefined
Pennsylvania School of Banking
Consumer Lending Skills - undefined
PNC Bank