Joe Messner

Joe Messner Email and Phone Number

VP - Sr. Credit Underwriter @ NexTier Bank
butler, pennsylvania, united states
Joe Messner's Location
Coraopolis, Pennsylvania, United States, United States
Joe Messner's Contact Details
About Joe Messner

Results-focused leader with extensive experience managing strategic, data-driven analysis for corporate planning and decision-making. Career history of increasing Shareholder Value, via problem-solving and risk management skills. ► Underwriting expert adept in supervising the complete due diligence process, with a demonstrated talent for identifying and mitigating credit risk. ► Managed multiple simultaneous underwriting transactions, with an average $390M+ loan portfolio, representing nearly $2.3B in total loan volume and over $1B in total investor equity. ► Extensive business experience managing strategic, data-driven analysis for corporate planning and decision-making.► Developed a comprehensive quality control database program for cross-functional stakeholders. ► Deep knowledge of loan approvals and full-service operations, investment opportunities and other key business service transactions. ► Transformed the performance of a core business / credit analysis program by implementing "best practice" analytical strategies. Enabled a 99% investor approval rate.► Keen awareness of new revenue and cost reduction opportunities.Specialties: ● Commercial Credit Analysis ● Underwriting ● Credit Solutions Development ● Data-Driven Analysis ● Due Diligence ● Risk Identification & Mitigation ● Regulatory Compliance ● Business & Client Development ● Opportunity Identification & Analysis ● Dispute Resolution ● Operational & Performance Improvement ● Policy & Procedure Development ● Staff Training & Coaching ● Portfolio Account Management ● Credit Exposure Limit ● Project and Staff Leadership

Joe Messner's Current Company Details
NexTier Bank

Nextier Bank

View
VP - Sr. Credit Underwriter
butler, pennsylvania, united states
Website:
nextierbank.com
Employees:
184
Joe Messner Work Experience Details
  • Nextier Bank
    Vice President - Sr. Credit Underwriter
    Nextier Bank Jun 2012 - Present
    Greater Butler, Pa Area
    Key member of the Credit Department. Underwrite new commercial/industrial and commercial real estate loans. Recommend improvements to current policies and procedures.
  • Pnc
    Business Analyst Ii
    Pnc Aug 2011 - Jun 2012
    Greater Pittsburgh Area
    Member of new team initiative to revise the regulatory loan coding for commercial loans. Manage specific projects that monitor the performance metrics for this new team and assist Bank-wide issues impacting loan coding. Recommend improvements to the current policies and procedures in place
  • Citizens Bank
    Loan Documentation Analyst
    Citizens Bank May 2011 - Aug 2011
    Focused contract assignment to perform Quality Control Review of commercial and real estate mortgage loan files for the country's 20th largest bank.
  • Lenders Service Inc.
    Quality Assurance Reviewer
    Lenders Service Inc. Sep 2010 - Dec 2010
    Contract assignment reviewing residential appraisal reports for quality control purposes. Modify all reports as necessary to conform with required appraisal, client and government policies and procedures.
  • Home Loan Services, Inc. (Division Of Merrill Lynch)
    Credit Loss Mitigation Negotiator
    Home Loan Services, Inc. (Division Of Merrill Lynch) Jan 2009 - Jul 2009
    Contract assignment.* Modified problem credit residential mortgage loans to lower monthly payments * Minimized potential significant credit losses ($ millions) to mortgage investors * Enhanced existing credit loan documentation, improving in-house training and client communication
  • Creditvest, Inc. - Real Estate Loan Underwriting Firm
    Senior Credit Underwriter
    Creditvest, Inc. - Real Estate Loan Underwriting Firm Oct 2004 - Oct 2008
    * Credit underwrote and recommended approval for multi-million dollar commercial real estate loans * Created a credit policy training program for new employees, which was instrumental in helping the Citigroup team increase annual project volume by over 100%* Detailed credit examination of company and personal financial statements and tax returns * Compliance with established Wall Street and credit rating agency guidelines, and loan secondary market credit scrutiny.* TESTAMONIAL: “We relied heavily on Joe's credit and structural knowledge of the market place…the TIC Program generated a need for approximately 6,000 sets of Enhanced Due Diligence documents with credit, liens and judgments… representing over $ 2 million in service revenue for our company and $450,000 in new fee income.” - Al Patterson, President
  • National Processing Company (Second Largest U.S. Credit And Debit Card Processing Firm)
    Account Executive
    National Processing Company (Second Largest U.S. Credit And Debit Card Processing Firm) Jan 2001 - Jul 2004
    * 100% commissioned sales of credit card terminals, merchant banking systems and E-commerce programs * Consistently achieved 50% sales growth year-over-year, to rank among the nationwide top 5% of sales performers and winning the prestigious "Champion Club Award". * Joint calling program with bank branch managers to open new merchant and deposit | credit accounts
  • Pennwood Savings Bank (3-Branch Community Savings Bank)
    Vice President - Credit
    Pennwood Savings Bank (3-Branch Community Savings Bank) Jun 1994 - Jan 2000
    * Managed all new business development, advertising and promotion, credit loan approval and debt recovery efforts* Over 100% increase in closed credit loan volume during 1996* Aggressively prospected new home improvement financing business relationships, leading to expanded credit loan market penetration to all of southwestern Pennsylvania* Streamlined operations and improved staff efficiency by establishing new policies and procedures for business prospecting and credit underwriting

Joe Messner Skills

Risk Management Credit Loans Banking Financial Analysis Leadership Credit Analysis Process Improvement Portfolio Management Analysis Mortgage Lending Due Diligence Coaching Underwriting Vendor Management

Joe Messner Education Details

Frequently Asked Questions about Joe Messner

What company does Joe Messner work for?

Joe Messner works for Nextier Bank

What is Joe Messner's role at the current company?

Joe Messner's current role is VP - Sr. Credit Underwriter.

What is Joe Messner's email address?

Joe Messner's email address is jo****@****uth.net

What is Joe Messner's direct phone number?

Joe Messner's direct phone number is +141260*****

What schools did Joe Messner attend?

Joe Messner attended University Of Pittsburgh Katz Graduate School Of Business, University Of Pittsburgh.

What skills is Joe Messner known for?

Joe Messner has skills like Risk Management, Credit, Loans, Banking, Financial Analysis, Leadership, Credit Analysis, Process Improvement, Portfolio Management, Analysis, Mortgage Lending, Due Diligence.

Who are Joe Messner's colleagues?

Joe Messner's colleagues are Amy Schmeider, Clint Garrett, Cathy Schoeffel, Rob Milsom, Amy Dougherty, Stacey Rattigan, Kathie Rider.

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