Michael Muraco Email & Phone Number

Welland, Ontario

Attract, retain and maintain business to strengthen and grow the commercial book of business, achieving portfolio profitability targets.Demonstrate a good working knowledge and solid analytical skills in the areas of balance sheets, cash flow mechanics, and business plans presented by clients.Ability to structure credit and deposit facilities to meet client needs and Meridian objectives.Minimize loan risks through diligent, timely and proactive financial reviews and awareness of changing economic/marketplace influences and applicable industry trends/data. Actively participate in Company and Community events and activities.

St. Catharines, Ontario, Canada

Provide commercial loan recommendations to Members and Commercial Account Manager's.Analyzing and preparing commercial loan applications and processing annual reviews for commercial accounts helping achieve our units' maturity goals. Complete reporting for the unit on a regular basis including RIL reports, overdraft, delinquency, monthly margins, and unit/CAM monthly performance and fee reports thereby assisting Account Manager's in tracking their YTD performance and setting monthly goals. Prepare correspondence between Meridian and other professionals (ie. Lawyer's instructions, Bank Confirmations, mortgage statements) which enhanced my knowledge of the industry and the structure of loans. Provide day-to-day service to our commercial Members such as transfers, online banking access, exchange rates, bank drafts, loan payments and account balances thereby contributing to my overall product knowledge and Member service skills.

Marketed and promoted a top producing realtor creating clients and future networksRegular interaction with clients which helped me understand the importance of a solid business relationship*Produced paperwork and other real estate related functions on the request of the realtor allowing me to understand the real estate market while consistently reaching sales goals

Accustomed to working with own till involving cash, debit, and credit receipts resulting in an excellent knowledge of cash flows and operations. Operated cash register on a regular basis while consistently reaching sales goals.Gained significant insight in operations management through observing management techniques aimed at increasing worker productivity, sales, and product turnover.Assisted in creating a safe, enjoyable work environment resulting in lower employee turnover in this department compared to others within the company.