Resumes

 

The New Jersey Credit Union League receives resumes from individuals interested in employment with credit unions in the state of New Jersey and posts them to its Web site for credit unions to browse when hiring.

If interested in having your resume posted, please review our Resume Posting Policy.

Please note: The League does not endorse the employment of an individual whose resume is posted, nor does it verify the capabilities claimed by that individual.

Patricia Dowd
33 Barbara Drive
Pompton Lakes, NJ 07442
973-769-7396 Cell
Pattydowd@optonline.net

Work Experience

State Farm Insurance Company, 1996 to 2012, Parsippany, NJ

Credit Union Specialist, 2005 - 2012 

  • Analyze loan requests and approve loans within approval authority granted by the Board of Directors
  • Perform loan approval, counseling and processing as guided by applicable regulations, board policy, company and management guidelines
  • Underwrite loan application & support documentation and answer member inquiries concerning loan policies and procedures
  • Communicate with loan applicants by email, phone and mail regarding rates, terms, product features, deposits, withdrawals, wire transfers, loan approvals and denials
  • Deliver a very high level of Customer Service for State Farm Insurance employees, Agents and Retirees and their qualified dependents
  • Provide effective administration of member privacy including confidentiality of all transactions
  • Process compliant loan files, delinquencies
  • Maintain members’ accounts using Financial Service Platform (FSP); update client data to data processing system, disability and death claims
  • Promote and provide assistance for the  new internet service
  • State Farm Credit Union is a member of the National Credit Union Association

Finance Specialist, (Accounting Department) 1996 – 2005

  • Served as liaison to future State Farm Agents and facilitated presentations to explain the trainee agent program
  • Assisted trainee agents with accounts payable and receivable for their office expenses and posted their employee payroll and end of year tax information
  • Prepared, reviewed and distributed financial data and statistical records and reports relating to employee and agency compensation
  • Adhered to all compliance and company policies; applied internal controls, interacted with internal and external customers on policy and procedures

Office Manager

  • Responsible for hiring new employees, interviewing and back ground checks
  • Prepared estimates for potential customers for home cleaning services
  • Developed weekly schedule for all customer appointments for home cleaning
  • Ensured customer service and quality controls were met daily

Education/Professional Development
William Paterson University, attended from 2001 – 2003
Credit Union University – continuing education courses for FSP

Skills
Microsoft Office; Word, Excel, Access, PowerPoint, Outlook; FSP, typing 45 WPM
Loan experience, cross-selling, excellent verbal, written and phone communication skills, superior customer service
Work well within a team or independently

(Posted: 06/11/13)

Ira D. Hayes

610 Wilfred Avenue  Hamilton, New Jersey  08610
Contact Phone:  (609) 532-9575  Home: (609) 931-9143
Email address:  IraDHayes@gmail.com

QUALIFICATIONS
Motivated detail oriented individual capable to multitask and prioritize project goals. Experience managing, motivating and mentoring project teams.
Experience in performing various financial or budget analyses in the areas of profit planning, capital expenditures, cash flow budgeting and acquisitions. Knowledgeable of financial markets and the financial structure with emphasis on commercial banks and the Federal Reserve System. Proficient in Microsoft office Suites, 60wpm and 10,000 10-key stroke skills. SAP NetWeaver Version 7.20 and IBM Personal Communications Version 5.9 for Windows.  Strong Oral and Written Communication skills with the ability to work with others or independently with minimal supervision. 

PROFESSIONAL EXPERIENCE

Conair Corporation, East Windsor, NJ                                                    Sept 2007- Present
Compliance Analyst

  • Report financial information on status of current issues and any notes of concern or recommendations.
  • Creating detail Financial reports on regular basis to be presented to the senior management.
  • Direct special projects requested by Manager.
  • Negotiate settlements up to $50K with key customers and Sales contacts.
  • Release, administer, and reconcile customer accounts - including following up with the sales representative for payments in a timely manner.
  • Monitor and Analyze financial information for new customers
    • (Financial Report, Credit  Application, and other data) to determine the level of risk when establishing a credit line- including sending out credit reference requests.​Hibbert Group, Trenton, NJ                                                                 Aug 2007- Sept 2007

Accounts Payable Specialist (Temporary Position)

  • Reviewed invoices for accuracy and completeness. Ensuring proper documentation is present, including authorization and receiving documents or proof that service was provided.
  • Input and processed invoices for payment using the AccPac Software, making sure that invoices are paid according to payment terms and applicable discounts are taken.
  • Maintained communications with company personnel and vendors to ensure the timely and accurate processing of invoice payments.
  • Assisted with internal and external auditor requests and other ad hoc requests as needed.

​​Virginia Commonwealth University, Richmond, Virginia                        Sept 2006- May 2007       
Information Assistant

  • Acted as a liaison between students, university, and Richmond community in a fast paced environment.
  • Investigated and responded to inquiries about VCU and Richmond, VA
  • Maintained and controlled access to the campus and city-wide database, university phone lists, and activity information.

SunTrust Bank, Richmond VA                                                           May 2005-Aug. 2006

Campus Challenge Intern (Financial Service Representative)

  • Cultivated and managed new and existing client relationships of diversified net worth individuals and their related businesses.
  • Supported the goals of the branch through effective teamwork and compliance in a fast pace environment.
  • Assisted with routine teller transactions and management on on-going bases.
  • Recognized for bringing over $500,000 of assets in a single branch.
  • Directed in regular meetings on leadership development and career opportunities.
  • Compiling necessary control and audit trail documentation needed for Sarbanes-Oxley. 

EDUCATION, PROJECTS, & HONORS

Strayer University, Trevose, Pennsylvania                                           Oct 2008- Dec 2011
Master of Business Administration in Finance

-       Managerial Accounting
-       Quantitative Methods
-       Financial Management
-       Law, Ethics & Corp. Governance

Virginia Commonwealth University, Richmond, Virginia                  Aug 2002- Aug 2007
Bachelor of Science in Finance

-       Production Operations Management
-       Business Statistics
-       Managerial Economics
-       Security analysis & Portfolio management

Projects:

Financial Management: Worked as a team leader on a student team that researched and analyzed a company in order to provide data on financial management.  Implemented cash management strategies.

Funds Management in Financial Institutions: Served as a financial officer directing Writer’s Den Inc.’s financial goals, objectives, and budgets. Supervise cash management activities and counseled company’s owner on investment needs and options for company productivity.

Honors:

> Vice President and Secretary, Delta Sigma Pi, Professional Business Fraternity, Eta Omega: Implemented organizational restructuring and guidelines for growing Eta Omega chapter. Foster chapter growth beyond traditional practices to expand membership diversity.
> Volunteer, 10k Ukrop’s Marathon
> Volunteer, 5k Ryan's Quest Dash for Duchenne, Hamilton, NJ
> Volunteer, Boys and Girls Club, Richmond, Virginia 

(Posted: 04/10/13)

Winston Cummings
PO Box 861 ■ Summit, NJ 07901 ■ H (973)399-3083 ■ C (201)704-4481
cumm@verizon.net

________________________________________________________________

PROFESSIONAL PROFILE

Financial Analyst experience in healthcare finance and health insurance industry which comprises:

Extensive years of  financial analysis  ■  GAAP and healthcare financial statement analysis including general ledger account analysis, balance sheet, and profit & loss statement  ■ SAP financial performance rating and analysis  ■  Credit union financial analysis.

Strong client rapport with a high-level of customer satisfaction.

Built and maintained relationships with several multi-million dollar health insurance and health care providers  ■  Successfully developed reports and financial models that consistently exceeded expectations of division management  ■  Researched and created health care financial data base to assign credit  ratings for healthcare providers  thereby creating an opportunity for product expansion  ■  Results-oriented with solid presentation, problem-solving and analytical abilities.

________________________________________________________________

PROFESSIONAL EXPERIENCE

ST.  ANDREW & HOLY COMMUNION CHURCH, SOUTH ORANGE, NJ
Current

Treasurer – presently volunteering my services

■      Analyzes and prepares audit work papers for annual church audit
■      Analyzes and prepares all financial statements for monthly presentation to Vestry
■      As an active member of the audit committee, participated in search and selection of independent auditor

A.M. BEST COMPANY, OLDWICK, N.J.
2008 – 2012

Financial Analyst - Life/Health Division
Managed portfolio, monitored product mix and operating performance of assigned health insurance companies.

■      Monitored financial strength and debt rating relationships for high-profile health insurance companies including Blue Cross and Blue Shield Plans, and several other niche-market life and health insurers.
■      Published financial strength and debt ratings for not-for-profit organizations including Blue Cross Blue Shield of Arkansas, Kansas and Vermont.
■      Analyzed financial statements and prepared financial credit ratings for insurance companies and healthcare systems.
■      Evaluated the ability of companies/assigned a rating to a company's balance sheet strength, operating performance and business profile.
■      Analyzed financial data, trends, and financial risks associated with business operations and investment decision.

o   On the basis of these results, prepared reports and made presentations, usually with recommendations to assign credit ratings to business profile and operating performance.
o   Issued press releases based on changes in a company’s rating status.

■      Kept abreast of new regulations or policies that may have affected business operations.
■      Monitored the economy to determine its effect on company earnings.
■      Analyzed enterprise risk management policy.
■      Extensive travel throughout the country meeting with senior management of rated and unrated insurance organizations and healthcare systems to discuss performance, strategies for business development, and financial strength capabilities.

ATLANTIC HEALTH SYSTEM, MORRIS PLAINS, N.J.
1975 - 2007

Accounting Manager, Mountainside Hospital Campus,   1998 - 2007
Prepared and analyzed all financial statements for 345-bed licensed healthcare facility with $550m revenue budget. Prepared balance sheet analysis, including year–end audit work papers for Controller and external auditors. Supervised senior staff accountant.  Prepared and presented monthly financial statements to Controller and Director of Finance.

■      Identified opportunities to reduce expenses by performing variance analysis and discussing results with department managers.
■      Advised new department managers on best practices and instructed them on how to interpret monthly budget and expense variance reports.
■      Prepared financial trend report, department expense variance analysis, and physician practice revenue trend analysis for Director of Finance.
■      Monitored revenue growth through monthly analysis of net patient service revenue ensuring cash posting accuracy and completeness.
■      Captured and managed outsource billing for Physician Practice by reviewing, analyzing  and preparing journal entry to record revenue and allowances for multi office complex  (MBR reporting).
■      Captured and managed outsource billing for Dialysis Program by reviewing, analyzing and preparing journal entry to record revenue and allowances (AMI reporting).
■      Monitored accounts receivable by tracking and reconciling multi-system posting of revenue and allowance.
■      Analyzed and provided explanations for both budget and plan variances.

_________________________________________________________________

EDUCATION AND PROFESSIONAL DEVELOPMENT

Certificate             Nonprofit Governance, Seton Hall University Board Leadership Institute.

Certificate             Hospital Financial Management, Healthcare Financial Management Assoc.

Degree                  B. S. Accounting, Rutgers University, Newark, N.J

_________________________________________________________________

COMPUTER SKILLS

Healthcare Industry specific software: HBOC (PFM, PMM, FRX, TrendStar, STAR, HBI) and Vista.
A.M. Best specific software:  BPS

_________________________________________________________________

AFFILIATIONS

Treasurer -- Atlantic Health System Employees’ Federal Credit Union, Summit, N.J.

Member --  Board of Directors, Atlantic Health Employees’ Federal Credit Union, Summit, N.J.

Member --  New Jersey Chapter of Healthcare Financial Management Association.

Treasurer -- St. Andrew and Holy Communion Church, South Orange, N.J.

Treasurer -- Grenadian American Organization of New.Jersey, Newark, N.J.

(Posted: 04/03/13)

DOUGLAS HAINES

2629 Parkland Dr ● Forestville, MD 20747 ● (202) 465-4883 ● Douglas_Haines@verizon.net
Public / Confidential Security Clearance with NACLC, valid until 10/05/2013

Executive Information Technology Professional with 20+ years of optimizing operational performance by balancing aggressive business requirements with technology and fiscal accountability.

_________________________________________________________________

COMMERCIAL ● NON-PROFIT ● CREDIT UNION ● SERVICE ORGANIZATIONS

PROFESSIONAL BACKGROUND

VP Information Technology and Security (Promoted in 2010):
Naval Research Lab Federal Credit Union
2008 - 2012      Oxon Hill, MD

°       25% - Oversee current technology assets, developing and implementing technology initiatives as well as ensuring the daily management of the business’ operating systems, network, and related data bases.​ Ensure the sound implementation of technology upgrades, new hardware installations, system integrations, and disaster recovery and backup.​ Provides direction in all technology related issues in support of information operations and core company values.​ Act in the capacity of an individual contributor, as necessary, to ensure projects are managed and deliverables are met on time and on budget.​

°       25% - Participates as a member of the Senior Leadership team in ensuring alignment of the organization’s technology architecture, telecommunications, networks, programming, databases, hardware, and software all align with the business strategy.​

°       20% - Leads technological strategic planning to achieve business goals by prioritizing technology initiatives and coordinating the evaluation, deployment, and management of current and future technologies.​  Leads the organization’s Information Security Committee and ensures security of member and company information.

°       10% - Collaborates with all departments and board to develop and maintain a 5 year technology plan.​  Approve, prioritize, manage and control projects and the project portfolio as they relate to the selection, acquisition, development, and installation of systems.​ Regularly advises the Senior Leadership Team as to the status of each technology project

°       5% - Drives technological efficiencies and negotiates vendor contracts to enable cost savings.​  Review hardware and software acquisition and maintenance contracts pursuing key agreements enabling economies of scale.   Wholly responsible for the technology budget.

°       5% - Ensure all audit findings are corrected promptly and thoroughly ensuring compliance is all technology and information systems areas.​

°       5%- Develops a department focused on cross functional partnership with others in the organization and based on ‘service’ mentality.​  Ensures continuous delivery of service levels to end users and ensures monitoring and tracking systems are in place to objectively measure performance.​

°      5% - Remains up-to-date and knowledgeable in regards to industry trends and emerging technologies in anticipation of new business processes and system changes. Continuously looks for opportunities for the Credit Union to leverage its technology to provide practical seamless mobility to the membership along with enhancing electronic delivery channels.

Director of Information Technology & Support Services:
CRI Systems / PSG Inc.- a Transamerica co.
2005 – 2008      Elkridge, MD

°       40% - Manage all IT operations including deployment, configuration, maintenance and upgrades of software, hardware, audiovisual and telecommunication equipment.  Responsible, for ongoing system and network monitoring, trend analysis, benchmarking and identification of potential problems with operational performance, and for maintaining high availability web sites and related applications and systems.  Plan for and implement information systems long- and short-term needs to ensure stable IT operations, network reliability/security and solution systems. Oversight and management of all projects related to acquisition, development and installation of major information systems, along with coordinating with vendors of major third-party outsourced systems.  - Facilitate all assigned project efforts and responsibilities.

°       30% - Direct the efforts of the Technology support personnel contracted to various credit unions.  Supervise personnel, including development of training plans, performance evaluations and mentoring reviews and perform disciplinary action while on site and deployed.  Conduct new hire interviews.  Ensure customer satisfaction with IT services and system implementations.

°       20% - Develop marketing plans and sales goals to assist in the achievement of a positive bottom line for various product lines. (CRITERION installations, technical services, disaster recovery services, iSec – security monitoring, and so on).  Develop and implement new product line that better serve Credit Union Costumers.

°      10% - Responsible for all Business Resumption services.  Including management of DR site and various BCP as established by CU contracts.

Information and security services Consultant
Newspeak Technology
2001 – 2005
Washington, DC
Audit of SAS-70, HIPPA, PCI, JCAHO, NCUA, and SOX regulatory compliance for various organizations.

Director of Information Technology
Investor Broadcast Network
1998 – 2001
Philadelphia, PA

Manager of Information Services
The Associated: JCF
​1994-1999
Baltimore, MD

MIS Administrator
Association of Brewers
1992-1994
Boulder, CO

EDUCATION / TRAINING

Masters in Information Systems, to be completed by 2014, with undergrad (BS) work in Sociology and Psychology.

Supervision of various cores and ancillary systems/vendors to include – Criterion, CO-OP, PSCU, mShift (Mobile banking), Ensenta (Remote Deposit Capture), Blue Point  (Remote Deposit Capture),  AppWorx (batch automation), Fiserv, UltraData, Symitar, DNA 3.x (In-house). 

(Posted: 02/27/12)

Mitch Nowak

14 Meredith Drive
Tinton Falls, NJ 07724

Cell: (732) 535-2742
mn6781@gmail.com

Summary Of Qualifications

Dynamic, competent and result oriented professional with 10+ years’ experience in development, migration, project management, technology, electronic delivery systems, implementation of core banking projects and relocation of data center. Managed highly complex projects from inception through implementation. Establishes strong rapport, and maintain communication between business and technical areas to achieve on-time, on-budget and on-spec project completions. Able to merge customer and user needs with business requirements, budgetary restrictions and logistical considerations to meet project deliverables. Proven ability to work with all levels of employees, management, stakeholders, and vendors.

Key Skills and Competencies

  • An experienced team leader with ability to handle multi-disciplinary projects.
  • Exceptional planning, prioritizing, organizing and execution skills.
  • Excellent business communication skills, both written and verbal.
  • Have extensive Banking and Information Technology knowledge.
  • Critical thinking with good negotiating, influencing, and delegating skills.
  • Open to learn new things and a fast learner with high stress tolerance levels.

Employment History

First Financial FCU, Wall, NJ                                                                                            November 2010 – August 2012
Information Technology Manager

  • Manage the Credit Union’s information technology department with a staff of 3 people.
  • Oversee and Manage the credit union’s technology infrastructure and information systems, providing 24/7 service to employees, vendors and customers.
  • Identifying and developing talent within the IT department to help ensure performance and succession plan effectively.  Manage employee performance, change initiative, and communications concerning IT activity.
  • Identified the resource requirements, organized the human resource, assigned responsibilities and coordinated with staff members to complete the project successfully.
  • Coordinate project phases from development to deployment. 100% on-time project deployment.
  • Researched new technologies and calculated future needs to achieve accurate capacity planning.
  • Collaboratively developed new projects with senior management and stakeholders, negotiated and expanded alliance terms along with technical goals and timelines.
  • Liaison between clients, vendors and consultants.
  • Negotiated hardware and software purchases and maintenance contracts.

MTC Maintenance & Management Co., Clark, NJ                                                            June 2010 – November 2010

  • IT/Network Consultant
  • Installing and implementing network infrastructure and maintained network systems.
  • Imparted technical expertise and training.
  • Designed and maintained system and user documentation.
  • Extended daily support and administration of client associates computing systems.

NJM BANK FSB, West Trenton, NJ                                                                              September 2005 – February 2009
Sr. Banking Officer, Information Systems, e-Banking Administration & ISO

  • Managed core banking system conversion - OSI BISYS to FIDELITY–Miser BA/BI, Lending and Mortgage system vendor search, selection, contract negotiation and implementation. Resulted in improve business processes, minimize costs, enhance flexibility and maximize productivity.
  • Managed and provided support for ATM/Debit Card functions and ATM machines. Coordinated the installation, new/upgrades, maintenance, and quality performance on all ATMs increased revenue and usage of ATMs by 20%. Managed the conversion of ATM and Plastic card processor.
  • Managed Online Financial Management (OFM) solution - Digital Insights consumer and business online banking and Bill Pay & Presentment.
  • Negotiated and contracted with consultants, technical personnel, and vendors for services and products. Reduced cost of service maintenance by 15% and increased uptime to 99.8%.
  • Prepared annual Information Security Report to the BOD. Identified Mission Critical activities, developed, implemented and tested Disaster Recovery Plans (DRP), implemented & managed Information System Security and Risk Assessment. 

FAA Eastern Region FCU (Now ASPIRE FCU), Clark, NJ                                               October 1998 – March 2005

Vice President of Information Technology & ISO

  • Directed core banking system conversion - SUMMIT Spectrum to AFTECH Advantage, Lending and Mortgage system vendor search, selection, contract negotiation and implementation. Resulted in improve business processes, minimize costs, enhance flexibility and maximize productivity.
  • Oversee and manage all phases of systems design, programming, networking, installation, and operation.
  • Work with the executive staff setting the short- and long-term technology objectives while providing the management necessary to achieve revenue growth and other goals and objectives of the organization through technology.
  • Identify the strategic objectives and determine specific information requirements for management information services within all departments of the credit union.
  • Research industry trends in technology and insure that the credit union’s information system structure and equipment is adequate to meet member needs and strategic plan.
  • Prepared annual Information Security Report to the BOD. Identified Mission Critical activities, developed, implemented and tested Disaster Recovery Plans (DRP), implemented & managed Information System Security and Risk Assessment. 

Technical Proficiency

  • Networking: LAN/WAN/Wireless Administration, Active Directory, TCP/IP, SQL, VPN, 10/100/1000 BaseT Ethernet, SecureID, Terminal Server
  • Software & Applications:  MS Windows 3.0 – 8, , MS servers 2000 – 2008,  Exchange, SQL, MS Office 95 – 2010, Adobe Acrobat & Dreamweaver, various Anti-Virus and Anti-Spyware Suites

Education

B.S. / B.A., Marketing, Thomas A. Edison State College, Trenton, NJ - June 1983

A.A., Business Administration, Brookdale Community College, Lincroft, NJ - April 1980

Electronics Technician Diploma, DeVry Institute, North Brunswick, NJ - June 1997

Other Certification / Training: 4 Disciplines of Execution - FranklinCovey; Dale Carnegie Course and Leadership Training for Managers - Dale Carnegie; A+ Certification Program - Wave Technologies International, Inc.

Military - U.S. Army, Honorable Discharge 

(Posted: 02/12/13)

 
 
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