Joe Messner Email & Phone Number

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.

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

Focused contract assignment to perform Quality Control Review of commercial and real estate mortgage loan files for the country's 20th largest bank.

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.

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

* 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

* 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

* 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

Mba, Business Administration

Focus on Credit, Finance and Marketing; Cum Laude graduate

Bsme, Mechanical Engineering

Activities and Societies: Pi Tau Sigma Honorary Society, Engineering Student CouncilMagna Cum Laude graduate