Joe Graf work email
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Consumer Loan Executive & Indirect Sales Manager with extensive professional experience providing leadership that drives growth in the indirect home improvement loan business through a combination of relationship management, business integrity, and team development. Proven loan operations manager and sales leader with a progressive track record of producing profitable margins within a highly specialized product line, successfully navigating contractor negotiations to enhance financing opportunities that exceed customer needs and expectations. Calculated lending specialist leveraging experience with numerous regulatory compliance requirements to manage a diverse range of portfolios.Areas of Expertise:Consumer Lending & CreditIndirect Home Improvement lendingBusiness DevelopmentLoan Automation Revenue GrowthRelationships Management Team Management & TrainingContractor Negotiation Portfolio Diversification Business Integrity
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Vp, Senior Loan OfficerOld Second National BankUnited States
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Vp Consumer LendngEvergreen Bank Group Feb 2020 - PresentOakbrook, Il
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Senior Vp Of Consumer Lending & SalesSouth Central Bank, National Assoc. Oct 1989 - Jan 2020Chicago, Il• Directed and led entire staff within the consumer loan department, overseeing daily operations, including hiring, training, onboarding, and executing executive decisions that drove continuous growth. • Identified areas lacking development and integrated innovative programming that created more profitable and effective standard operating procedures (SOPs). • Safeguarded business integrity while establishing new indirect lending relationships with home improvement contractors, ultimately facilitating conversations that produced additional credit applications. • Leveraged an extensive knowledge of consumer compliance regulations, such as TRID, Fair Lending, HMDA, ECOA, Flood, CRA, and Debt Collections, to provide subject matter expertise that further strengthened consumer loan applications and to ensure loan closing packages are in compliance. • Designed and implemented a new product line that allowed for the bank to accept instant online approvals, rapidly increasing profit margins within a short timeline. • Instituted innovative changes that established competitive advantages within the consumer loan industry, utilizing market trends to champion customer satisfaction and business growth. • Negotiated approval for expanding our FHA home improvement lending area to all fifty states, coordinating directly with the Department of Housing and Urban Development (HUD), to achieve national FHA Title 1 lending authority; additionally, expanded our conventional lending authority among 15 states.
Joe Graf Skills
Joe Graf Education Details
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A+ (Graduated #2 Out Of 1,000 Professional Bankers) -
Perfect 5.0 Gpa! -
Bogan High SchoolA+ (Graduated In The Top 10)
Frequently Asked Questions about Joe Graf
What company does Joe Graf work for?
Joe Graf works for Old Second National Bank
What is Joe Graf's role at the current company?
Joe Graf's current role is VP, Senior Loan Officer.
What is Joe Graf's email address?
Joe Graf's email address is jg****@****ral.com
What is Joe Graf's direct phone number?
Joe Graf's direct phone number is (919) 858*****
What schools did Joe Graf attend?
Joe Graf attended Graduate School Of Banking At The University Of Wisconsin - Madison, University Of Illinois At Chicago, Bogan High School.
What skills is Joe Graf known for?
Joe Graf has skills like Banking, Sales, Operations, Sales Manager.
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