Michael Hartman Email & Phone Number

Remote

Served as a Consultant by collaborating with internal and external parties to negotiate and manage multi-million-dollar project workstreams with external clients. Combined data and financial analysis, fresh market research, and stakeholder interviews to create dynamic presentations of insights, pitching decks to clients with impactful recommendations. Working primarily within the co-brand card space, customer acquisition strategies, and digital strategies.HIGHLIGHTS:▪ Uncovered… Show more Served as a Consultant by collaborating with internal and external parties to negotiate and manage multi-million-dollar project workstreams with external clients. Combined data and financial analysis, fresh market research, and stakeholder interviews to create dynamic presentations of insights, pitching decks to clients with impactful recommendations. Working primarily within the co-brand card space, customer acquisition strategies, and digital strategies.HIGHLIGHTS:▪ Uncovered $364M in potential additional card spend/revenue for an entertainment company by providing strategic changes to credit approval rates and card spend categories. ▪ Garnered an additional $60M in potential card spend/revenue for an auto manufacturer, delivering innovative solutions and best practices for on-premise acquisitions while strengthening internal stakeholder relationships.▪ Pioneered vast market research on 100s of cobrand cards and retailers for multiple clients, delivering current market trends for cobrand card offerings, best customer acquisition strategies, and digital app landscape assessments.▪ Stimulated expansion and facilitated cross-selling opportunities by collaborating with directors on white papers and thought pieces, crafting forward-looking strategic vision and devising actionable plans for client solutions.▪ Received consistent high praise from internal stakeholders and prominent clients for effective communication, unique insights, and productive client interfacing, being regarded as an irreplaceable asset. Show less

Remote

Supervised a revolving pipeline of 90+ projects within Commercial Banking Regulatory Compliance (CBRC), managing appointment of lead Compliance Offers to ensure CBRC coverage proactively maintaining consistent accountability and reduction of liabilities.HIGHLIGHTS:➥ Achieved 99% ‘yes’ coverage margin, mitigating potential issues through proactive and effective communication strategies, resolving coverage gaps before projects were executed within a <5% exception margin… Show more Supervised a revolving pipeline of 90+ projects within Commercial Banking Regulatory Compliance (CBRC), managing appointment of lead Compliance Offers to ensure CBRC coverage proactively maintaining consistent accountability and reduction of liabilities.HIGHLIGHTS:➥ Achieved 99% ‘yes’ coverage margin, mitigating potential issues through proactive and effective communication strategies, resolving coverage gaps before projects were executed within a <5% exception margin. ➥ Fostered a culture of team cohesion and engagement by mastering communication between a wide array of stakeholders and management, consistently regarded as an effective and amiable communicator.➥ Encouraged smoother operations and more efficient workflows to boost business productivity by ideating, developing, and implementing improved processes from after-action reviews. Show less

Remote

Exceeded lending targets and motivated a high-performing team. Leveraged exceptional financial acumen and in-depth industry knowledge to guide borrowers and underwrite loans while ensuring strict SBA compliance and regulatory guidelines were met. Built and nurtured client relationships in a high-volume environment and drove team success through coaching, mentoring, and strategic leadership, realizing new heights of productivity and customer satisfaction.HIGHLIGHTS:➥ Transcended… Show more Exceeded lending targets and motivated a high-performing team. Leveraged exceptional financial acumen and in-depth industry knowledge to guide borrowers and underwrite loans while ensuring strict SBA compliance and regulatory guidelines were met. Built and nurtured client relationships in a high-volume environment and drove team success through coaching, mentoring, and strategic leadership, realizing new heights of productivity and customer satisfaction.HIGHLIGHTS:➥ Transcended targeted goals with decisive action of 40+ loans, up to $2M daily, spearheading comprehensive financial evaluation of 1000s of business loans linked to CARES Act - COVID-19 funding.➥ Managed and underwrote a revolving portfolio of 20+ loans (loan sizes $25K-$2M) during crises for businesses impacted by natural disasters, driving efficacious project management to set expectations, outline processes, and retain clients through massive tragedies.➥ Trained and advised Junior Loan Officers, auditing their work to maintain strict SBA standards. Show less

Remote

Influenced client experience with successful and positive but concise communication to resolve 100+ daily ticket queues of emails and chats from a wide range of business partners.HIGHLIGHT:➥ Forged invaluable partnerships with 20+ major retailers and tech titans, delivering unparalleled customer service excellence and cementing an exceptional review score of 4.9+ out of 5.

Dallas, Texas, United States

Built lasting relationships with top real estate agents in the Dallas area while balancing competing interests and retaining confidentiality agreements, educating agents on financial processes and managing flow of commission disbursements.HIGHLIGHT:➥ Educated and empowered more than 400+ top-performing Dallas real estate agents, aligning them with intricate financial processes, precise procedures, and meticulous regulatory obligations.

San Francisco, California, United States

Acted as SME investigating 1K+ case works related to millions of fraudulent account openings, analyzing banker sales data and supporting documentation then drafting presentations of findings to leadership teams from managers to C-Suite.HIGHLIGHTS:➥ Championed a 25% increase in team efficiency by optimizing tools, data interpretation, and resource allocation.➥ Received consistent overwhelming praise and recognition for junior analyst training initiatives and team… Show more Acted as SME investigating 1K+ case works related to millions of fraudulent account openings, analyzing banker sales data and supporting documentation then drafting presentations of findings to leadership teams from managers to C-Suite.HIGHLIGHTS:➥ Championed a 25% increase in team efficiency by optimizing tools, data interpretation, and resource allocation.➥ Received consistent overwhelming praise and recognition for junior analyst training initiatives and team contributions. Show less

San Francisco, California, United States

Managed a portfolio of 150+ Small Business Administration (SBA) 7(a) loans, encompassing amounts ranging from $25K up to $350K, analyzing financial statements and hand-holding borrowers through the SBA loan process.

Irving, Texas, United States

Managed underwriting for car dealership loans and lines of credit, strategically analyzing general ledger, trial balance sheets, tax and CPA statements while utilizing due diligence software (Lexis Nexis, OFAC, UCC searches, etc.). Conducted deep financial analysis, partnering with executives at car dealerships and providing actionable insights to optimize financial and operational performance. Mentored and trained new employees.HIGHLIGHTS:➥ Managed underwriting for $2M-$50M… Show more Managed underwriting for car dealership loans and lines of credit, strategically analyzing general ledger, trial balance sheets, tax and CPA statements while utilizing due diligence software (Lexis Nexis, OFAC, UCC searches, etc.). Conducted deep financial analysis, partnering with executives at car dealerships and providing actionable insights to optimize financial and operational performance. Mentored and trained new employees.HIGHLIGHTS:➥ Managed underwriting for $2M-$50M lines of credits, representing 15% of total commercial funding requests for 80+ new and existing General Motor franchised dealerships.➥ Drove digital transformation, working with engineering team to implement new credit software. Show less

Sydney, New South Wales, Australia

Delivered crucial preliminary risk analysis insights to the principal advisor, directly influencing strategic decisions for over 40 client portfolios in the realm of superannuation.HIGHLIGHT:➥ Streamlined data systems, consolidating all client information into a seamlessly accessible platform, enhancing operational efficiency and data accessibility.

Bachelor Of Business Administration - Bba, Finance, 3.61

Activities and Societies: Golden Key International Honour Society, Sigma Alpha Lambda Honor Society Cum Laude

Study Abroad- Finance & Economics

Global Leadership Program Certificate: Intensive workshop series focusing on international business, leadership, climate change.