Michael S Email & Phone Number

Tucson, Az, Us

meticulously oversee and executive the day to day operations of credit and lending departments. Positioned within the executive hierarchy, reporting directly to the CEO, contributing significantly as key member of the executive management team. responsibilities include taking a leadership role in strategic planning and development of policies, procedures and overarching goals.Assets growth: increased assets from 179 million to 215 million and improved capital 35.7 to 37.7Participate in crucial committees: Board meeting, ALCO, ALM, ALLL/CEL, and credit approval committees, contributing to overall success a d compliance.Strategic forecasting: strategic, wrote two strategic plans: loan growth and marketing to different generations gaps.

• Hired and managed employees to maximize productivity while training staff on best practices and protocols.• Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.• Resolved issues and recommended actions based on production and compliance reports.• Increased workflow by analyzing data and maximizing opportunities for improved productivity across several areas.

• Refined organizational structure to consolidate, streamline and delineate necessary functions.• Developed quarterly business plans to evaluate cost projections.• Negotiated and drafted contracts with business partners, clients and vendors.• Established Commercial Loan Department and enhanced Solar Loan Department and created policies to promote company culture and vision.• Aligned organizational objectives with company mission, increasing revenue, profit and business growth by collaboratively developing integrated strategies.• Spearheaded change management and strategic turnaround for company during organizational change.• Directed technological improvements, reducing waste and business bottlenecks.• Led operational oversight and budgetary supervision

• Complied with established internal controls and policies.• Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.• Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities.• Developed strategic plans for day-to-day financial operations.• Prepared cash flow projections, cost -analysis and monthly, quarterly and annual reports.• Improved overall financial reporting by streamlining control processes and reporting structures.

• Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.• Led restructuring and turnaround through development of new leadership team.• Maintained consistent growth in revenue, contribution margin, operating profit and EBITDA.• Drove strategic operational and company procedural improvements resulting in increase in safety and soundness.• Drove corporate revenue by creating strategies that fit perfectly with company's vision and mission.• Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.

• Executive Management Members, Credit & Sales Management, Administration, Special Assets, Strategic Planning, and Severed on Committees.• Leadership, training, coaching, audit, underwriting, and sales management• Credit / Administration: Commercial RE and C&I, construction, consumer, and mortgage • Responsible for managing, coordinating, and developing customer relationships for the Banks and generating new business from active prospecting and current customer referrals. • Other duties were managing deposit relationships with opening and reviewing new accounts.• Presented "Best of the Best" customer service award for 2003 and 1st quarter 2004.• Handled all Customer's Banking needs for 15 Bank Locations. • Call on Companies with annual sales of 5 million or less.

Bussness Finance And Communications

Ceo Institute Ii Organization Effectiveness, Sc Johnson College Of Business

Ceo Institute 1 Strategic Planning, The Wharton School