Patrick O'Flanagan Email & Phone Number

Center Line, Michigan

Port Huron, Mi

Troy, Mi

Responsibilities included: *ALLL Qualitative Factor- model development; ongoing template maintenance; oversight of quarterly narrative report for all business groups; work with audit to ensure compliance*Concentration Risk- assisted in writing the policy and procedures; oversight over monthly status reporting; oversight over quarterly key risk indicators; assisted in preparation of action plans; findings reported to the Board*Peer group reporting- developed complex spreadsheets utilizing SNL & FDIC data to compare bank performance to peer; developed reports presented to the Board in a format that aligned with regulatory CAMELS ratings*Key Risk Indicators- monthly tracking of KRI’s associated with the commercial portfolio reportable to the BoardOther duties included: Commercial loan trial balance maintenance; roll forward reports; delinquency reports; NPV calculations for TDR impairment in consumer loans; data repair and maintenance.

Troy, Mi

Responsibilities included: *Management & disposition of legacy CRE portfolio*Litigation and liquidation as required*Detailed review of accounts*Borrower interaction*Collateral inspections*Documentation as appropriate*Quarterly action plans*Third party communication and negotiations

Port Huron

* Instruct students in Algebra and why it is relevant through personal example* Present materials in such a way that encourages learning and reflection* Design and deliver a structured and productive course syllabus* Represent and protect the College in professional manner through adherence to FERPA* Participate in ongoing professional development programs through the College* Recommended by 28/28 students * Average rating of 4.7/5 on 19-point student evaluation form (based on 37 submissions)

Port Huron, Mi

Port Huron, Mi

Port Huron & Imlay City

*Generated business from new and existing clients by providing outstanding service, achieving the rank of “top 15% in sales nationally” during first full year of employment.*Managed Internet business leads.*Set record for most vehicles sold in a month (20) during employment at Vanover Chevrolet*Maintained an almost perfect (3.9/4) customer service rating.

Port Huron, Mi

* Managed the operations of a successful business in the hospitality industry with the responsibility of maximizing sales to operate profitability and efficiently, this after starting employment as a cook/waiter.* Increased sales by 20% to $1.8 million from 1999-2001. Managed staff of 80 salaried and hourly employees.* Received award for ‘most improved retention rate” (2000) due to empowerment and motivation practices in addition to implementing a policy to promote within. Received award for “most improved store” (1997).* Analyzed controllable/variable costs to implement measures to improve profitability through usage of cost accounting. Utilized cost accounting to improve COGS, labor, and approved purchases. * Developed monthly and yearly spreadsheets to maintain labor costs by shift to ensure compliance with budget.* Developed and implemented effective incentive programs that increased sales.* Redesigned back-end operations that improved efficiency and service.* Responsible for the selection and oversight of hospitality related vendors.

Bachelor Of Business Administration (B.B.A.), Finance, 3.87

Associate Of Arts (A.A.), Business, 3.86

Activities and Societies: Phi Theta Kappa