Ryan St. John Email & Phone Number

Lebanon, Pennsylvania, United States

Palmyra, Pennsylvania, United States

Prepare state and compliance paperwork for all vehicle sales, delivered to provide the customer with Report all new and certified sales to Ford and claim all applicable rebates. Enter all sales to Profitlink for monthly reporting and analysis. Facilitate lender relationships to acquire financing for all credit levels. Participate in weekly management meetings to improve sales-finance processes.

Mechanicsburg, Pennsylvania, United States

Finance Manager responsible for driving back-end dealership profitability through financing of commercial and consumer vehicle purchases, as well as aftermarket warranty solutions. Prepared all vehicle delivery paperwork and resolved all contracts in transit. Established lender relationships and educated sales force on how to deliver an excellent buying experience to customers. Adapted existing sales process to drive growth.

Middletown, Pennsylvania, United States

Developed strategy to successfully achieve goals in 4 of 5 production categories during 2020 COVID Pandemic. Trained Branch Managers on how to deliver Money Mentor Program to business customers and not-for-profit organizations. Acted as ombudsperson for Paycheck Protection Program in Middletown, PA market. Facilitated application process with business owners and delivered completed loan packages fo final underwriting through Small Business Administration. Educated new hires for the Capital Region on systems, customer service delivery, risk mitigation processes, and workflow management.

Harrisburg, Pennsylvania Area

As Branch Manager in Harrisburg market, exceeded Commercial Deposits and Loan goals each year through cultivation of relationships with local businesses and the community. Conducted weekly outreach to existing Business Banking clients and prospects to examine Cash Flows, thereby identifying needs to provide additional services, build stronger relationships, and grow business banking households. Negotiated pricing on commercial deposits, consumer deposits, consumer loans, and merchant services.

Harrisburg, Pennsylvania Area

Originated Purchase and Refinance Mortgages, Portfolio Modifications and Home Equity Loans/Lines of Credit. Performed field underwriting of mortgage loan applications through credit and income analysis to match applicant with most advantageous loan program, albeit FHA, VA, USDA, or conventional loans. Exceeded benchmark of $8M in loan volume and reduced error rate below 1.5%.

Steelton, Pa And Middletown, Pa

Managed multiple branch teams and internal bank relationships to include business banking, securities, treasury management, merchant services and mortgage. As a branch manager, I considered myself the hub of the wheel that is the total banking experience. It was my duty to understand what is important to each customer, to resolve disputes-pulling in business partners when appropriate-and identify areas of opportunity to better serve our clientele. Promoted to Assistant Vice President during this tenure.

Linglestown, Pa

As Assistant Manager it was my responsibility to co-ordinate the internal operations of the branch using a proactive approach to involve the entire branch team by initiating independent incentive contests, providing immediate feedback, and holding monthly one on one sessions with each team member to review performance.

Multiple Locations Throughout Eastern & Central Pennsylvania

Managed various offices through the Eastern and Central Pennsylvania footprint, relocating multiple times and developed strategic plans to maximize fleet growth and revenue performance. Directed fleet logistics across the territory to meet demand.

Hampton Roads, Virginia Metropolitan Area

Associate Agent for the Thomas E. Wilson, Nationwide Insurance Agency. Cultivate the book of business and build lasting relationships with clientele.Attended Nationwide Agency School in October 1998, educated on policy, claims, and marketing for all personal lines products.

Bachelors, Economics

Activities and Societies: Delta Tau Delta, President / Treasurer Activities Program Board Residence Hall Staff Amrhein Investment Club.

Regents Diploma