Joe M. Email & Phone Number

Offering 34 years experience in commercial/mortgage banking with 8 years as a Certified Examiner In Charge, and a Master of Business Administration along with extensive coursework in Finance. Highly qualified individual with strong underwriting skills and knowledge of commercial and mortgage operations. Broad interpretation, analysis, and problem solving skills along with sound leadership abilities including three years in a supervisory capacity. Excellent staff and operational management abilities with demonstrated strengths in organization, implementation, managing, planning, and controls. Proficient in use of Microsoft Word, Microsoft Excel, Credit Quest, Bankway, BakerHill, Encompass, Jack Henry, Fiserve, MortgageWare, FITECH, FHLMC's Loan Prospector, FNMA's Desktop Underwriter, Moody’s Financial Analyst, multiple commercial banking software, and Minitab. Completed FDIC’s Loan Analysis School, Introduction to Examination School, Financial Institution Analysis School, Asset Liability Management School, and Examination Management School. Also completed the Omega training and taught the Omega modules to Relationship Managers and Credit Analysts. • Self directed, dedicated team player motivated to high performance standards and