Michael Mistretta Email & Phone Number

Towson, Md, Us

Cockeysville, Md, Us

Hunt Valley, Maryland, United States

Hereford, Maryland

-Achieved 300% increase in branch deposits to $30 million for this de novo location for PeoplesBank.-Utilize targeted bank campaigns to clients and prospects, as well as business development, and participation in community events and organizations to precipitate this growth. -Day-to-day responsibilities include managing all sales, service, and operational standards of the center. -Established internal and external sales activities efforts to expand services to existing clients and targeted prospects.

Baltimore, Maryland Area

-Consulted and qualified students for the ten Business Graduate Degree programs for the School of Management, the School of Public Policy and Administration, and the School of Health Sciences.-Advised and reserved eighty-three students throughout the enrollment process including course registration, orientation programs, and the financial aid process.-Converted prospect lead inquiries to pipeline and communicated with professionals through email, phone, and WebEx correspondence.

Baltimore, Maryland

-Delivered concierge service, ongoing advice, customized lending, and tailored deposit solutions in meeting the financial needs of Affluent and Emerging Affluent households.-Prospected targeted clients and prospects to meet specific income, liquidity, and net-worth qualifications for my new portfolio.-Provided referrals and coordinated the delivery of other bank solutions to my branch partners and departments at the bank.

25 S. Charles Street & Cockeysville Branches, Baltimore, Maryland

-President's Council award winner for several sales years for financial center achievement in revenue with commercial loans and deposits, retail deposits, consumer loans, and insurance/investments.-Managed Maryland's M & T Bank flagship financial center for eight years, responsible for $225 million of domiciled deposits and $23 million in consumer and business loan portfolios. Office was comprised of 11 staff and 4 strategic partners. Management and leadership duties included sales and business development, employee development, coaching, and performance management. Former headquarters and main office for Allfirst/First National acquired by M & T Bank.-Performed as both a fully-licensed Financial Representative and a Business Banking Loan Officer. Conducted quarterly client meetings to profile and consult with my assigned managed clients and prospects to identify financial needs across all product and service lines.-Originated small business loans up to $750,000 and evaluated credit information and requests from clients and prospects, recommended appropriate loan structure, and closed facilities.-Networked and exchanged referrals with established centers of influence including accountants, attorneys, and business clients. Participated in civic and cultural organizations in the downtown and county market.-Piloted and completed Commercial Branch Manager Credit Training curriculum to self-source deals, perform underwriting, and process credit loan requests.

101 S. Salina Street, Syracuse, New York

-Managed and grew the Salina Street Main office and multisite Motor Bank branch in the Syracuse District, responsible for $220 million in branch deposits and $21 million in business loan portfolio. The branch was comprised of 12 staff and 3 strategic partners assigned to the office. Former headquarters and main office for Onondaga Savings Bank acquired by M & T Bank.-Spearheaded pilot projects to deepen client relationship within M & T Bank after acquisition of Onondaga Savings Bank in Syracuse. Projects involved "Bank at Work" products for small business customers and portfolio-managed client call programs.-Conducted quarterly sales training workshops to Syracuse area platform and teller personnel to increase teller referrals and platform product knowledge and cross-sell efficiency.

Syracuse, New York Area

-Managed all sales and operational aspects of a suburban branch that housed $50 million in branch deposits and composed of nine tellers and five sales staff. Established internal & external sales activities that resulted in higher reclassification for the office due to branch growth in deposits and commercial loans.-Organized sales and business development efforts to expand services to existing clients and target prospects with client call nights, weekly business sales calls, and active Rotary membership.-Facilitated integration team in Syracuse market to transition the global HSBC name change from Marine Midland Bank. Coordinated operations and sales process for household mailings, account type matches and account reviews.

Potsdam & Ogdensburg, New York

-Developed and implemented a business plan to encourage customer utilization of new banking technologies and alternative delivery of services to the upstate market. Plan was chosen as pilot for Key Bank's Northeast Rural Region.-Participated on integration team of KeyBank merger with Society Bank to transition accounts and implement conversion timelines.-Orchestrated successful sales effort directed at the college communities. Direct mail to on campus sales programs resulted in student penetration and new household growth each year.-Called on existing business and corporate client relationships that resulted in booked referrals to other lines of business segments, i.e. Cash Management, Commercial/Small Business, Investments and Trust.

Rochester, New York Area

-Executed results for several branch locations in downtown and suburban areas. Responsible for operational performance while meeting monthly sales quotas related to consumer deposits and loan products and small business deposits and services.-Completed 2-year management development program that covered leadership and administrative functions, sales management, and human resources.

Masters Of Science, Management Systems & Organizational Behavior

Activities and Societies: Beta Gamma Sigma

Bs, Accounting