Resumes

Below are resumes of individuals currently seeking employment within the credit union system. If you would like to if you would like to have your resume posted on this site, please e-mail Mary Zelinsky at mzelinsky@njcul.org. All resumes will be posted for three months.

Lisa Simonelli
21 Birchwood Road
Hawthorne, New Jersey 07506
973-636-0811 (H) 973-978-5625 (C)
lisa0526@earthlink.net

Objective: To build a long term career in the financial services industry.

Summary: Multi-faceted, efficient and reliable administrative professional with 25+ years in the banking/credit union industry.

Major strengths include excellent organizational skills, competent, strong team player, attention to detail, respect for compliance in all regulated environment and other administrative tasks.

Experience

1994-April 2012 PARAGON FEDERAL CREDIT UNION, MONTVALE, NJ

Senior Loan Servicing Specialist, 2011-2012

_ Mortgage recordings and cancellations

_ Freddie Mac Remittances and delinquency’s

_ Adjustable Rate Mortgage payment changes

_ Post closing compliance review of Home Equity Loans

_ Handle Disability Insurance Claims

_ Paid off Loan Report

Loan Servicing Specialist, 2006-2011

_ Mortgage recordings and cancellations

_ Freddie Mac payoffs

_ Mortgage Payments and payoffs

_ Payoff letters for all loans

_ Letters of Guarantee for automobile loans

_ Releasing encumbrance of Titles

_ Post closing review CUAG (Credit Union Auto Group) loans

Indirect Lending, 2003-2006

_ Distribute, accept and review loan applications submitted by

car dealerships in New Jersey.

_ Post loans to accounts and disburse loan checks

Senior Member Communication Specialist/Phone Center, April-July 2003

_ 11 am – 7 pm Shift Closing the phone center branch

_ Member account transactions and inquiries (i.e. deposits, transfers, balances, loans)

_ Cross sell products and procedures

_ Overall knowledge of procedures for all departments in the Credit Union

_ Billing questions (i.e. payments, credits, misapplied funds, late charges)

_ Assist Collections Department with monthly billing statements

Real Estate Lending Counselor, 1997-2003

_ Interview credit union applicants and underwrite First Mortgage and Home Equity products

_ Prepared closing documentation for First Mortgage and Home Equity Products

_ Reviewed and provided decisions on Home Equity Products

_ Processed lien recording and cancellations

_ Applied payments and payoffs to Home Equity and First Mortgage Loans

_ Paying Private Mortgage Insurance monthly

_ Freddie Mac Report

_ Processing of Pre-Qualifications for First Mortgages

Loan Counselor, 1995-1997

_ Interview and counsel credit union applicants with Auto, Personal, Certificate of Deposit, Share, and Stock secured loans.

_ Responsible for disability Insurance Claims

Loan Processor, 1994-1995

_ Handle all facets of processing consumer and real estate loans

1985-1994 Citizens First National Bank of NJ, Glen Rock, NJ

Credit Investigator 1986-1994

_ Loan application processing (i.e. Credit Bureau research, employment verification, ordering of property checks, title searches, Dunn & Bradstreet Reports)

_ Typing of approval letters and many other aspects of credit investigation

_ Daily contact with banking officers and bank customers

Credit File Clerk 1985-1986

_ Filing of MasterCard, carefree checking overdraft protection, 90-day notes and many other banking product files.

_ Delivered Mail

_ Answered Phones

_ Retrieved Files

_ Microfilmed Files

EDUCATION Hawthorne High School, Hawthorne, NJ 1984

(Posted: 05/16/12)

Susan E. Millington
susanmillinton1029@yahoo.com
201-845-8864

Visions Federal Credit Union, formerly Paragon Federal Credit Union (merger 2012)

Montvale, New Jersey, July 2004 to April 2012

Loan Service Representative

Responsible for maintenance of Property Taxes: input quarterly amounts and quarterly date into computer system, log all amounts into binders, and file property tax bills for future payment. Mail property tax check payments for all escrowed accounts: New Jersey, New York, Pennsylvania, and Florida. Call and/or fax request for information to Tax Collectors.

Loan payoff request: mortgage first, second, auto and consumer loans.
Loan payment and loan payoff, mortgage first, second, auto and consumer loans: update computer system that check received and loan paid off.
File documentation into loan files.
Prepare Subordination draft request, follow up and mail upon approval.
Assemble loan files as needed.
Send various letters requesting credit union members, including update homeowner insurance, first mortgage, home equity loan, increased escrow payment, return checks.
Trouble shooting: Assist Phone Center and members when needed.
Update E-Oscar computer system.
Assist in Projects as assigned.
Assist in mailing auto title upon loan payoff.
Type e-mails, letters and memorandums.
Answer and screen telephone calls.
Maintain daily computer tasks.

Interchange Bank

Saddle Brook, New Jersey, July 1996 to April 2004

Administrative Assistant for Executive VP Administration,

Type e-mails, letters and memorandums.
Answer and screen telephone calls.
Maintain daily computer tasks.
Interaction with clients.
Assist in Projects as assigned.
Responsible for Signing Authority Roster updates. Work with Bank Auditor on revisions and maintain accurate information on changes using Access database.

Receptionist/Secretary – Administration

Receptionist for Corporate Administration/Lending Department/Financial Services.
Answer and screen telephone calls for Bank President.
Secretary to Loan Review Officer.
Assist in Projects as assigned.
Responsible for Signing Authority Roster updates. Work with Bank Auditor on revisions and maintain accurate information on changes using Access database.

Secretary for Security Officer Deposit Operations

Answer and screen telephone for Deposit Operations Officer.
Type e-mails, letters and memorandums.
Type updates for Bank/Branch procedure manuals. Distribute and follow up on Bank procedure manuals, Teller and New Accounts Manual.
Prepare shipment and maintain Bank storage shipping and retrieval using Access database.
Responsible for Signing Authority Roster updates, revisions and maintain accurate information on changes using Access database.

(Posted: 05/11/12)

Melissa A. Hall

19 East Somerset Street
Raritan, NJ 08869
(908) 809-8715
melissahall261@yahoo.com

Objective:

To work as a customer service representative for an established company that openly welcomes the ability to grow, learn and challenge, while forming skills and relationships that will endure.

Education:

Raritan Valley Community College

Associates in Business Administration

Thomas Edison State College

Bachelor's of Science: Marketing
Bachelor's of Science: Human Resource & Organizational Management

Work Experience:

Affinity Federal Credit Union : 04/07 - 04/11 : Member Service Specialist

Top investment sales referrer for 3 years ( over $3.5 million)
Surpassed all goals for opening personal and business accounts.
Verified and ordered branch supplies
Successfully resolved customer disputes and account issues.
Scheduled investment and credit counseling appointments.
Trained employees on new systems and procedures
Engaged and set up company awareness days and enrollment events.
Ensured quality member service and an efficient work environment

Pearle Vision: 11/04 - 04/07 : Optometric Technician.

Scheduled appointments
Insurance verification and HIPPA compliance
Data entry and patient filing
Insertion & Removal sessions
Customer Service through phone and e-mail.

Prism Printing & Design: 01/04 - 09/04 : Collator

Visiting vendors to ensure product quality and delivery
Customer order and fulfillment
Manual binding,
Collating & counting,
Packaging, inventory and stocking.

Familiar Computer Applications:

MS Word
MS Works
MS Excel
MS Publisher
MS Outlook
MS Access
MS Powerpoint
Lotus Notes
Quicken
Adobe Suite
OfficeMate
XP2
Crystal Reports
ACT

Interests:

Softball – coached and played
Basketball
AVT and jet ski riding

Community Service:

Greenbrook Manor Nursing Home - Have volunteered and entertained patients.
Peer Outreach - Worked with mentally disabled children demonstrating how to perform daily tasks.

Salary Requirements: $35,000.00-45,000.00 USD

(Posted: 04/11/12)

Ben Ellison

845-634-1543
edb136@yahoo.com

OBJECTIVE
To obtain a collections related position that would utilize my customer service, collections, and communications skills

EXPERIENCE

Visions formerly Paragon Federal Credit Union, 2006-Present

Collected past due balances for mortgages, automobile and personal loans.
Collection calls were to individuals and businesses
Recommended accounts for repossession and legal.
Resolved customer inquiries and complaints
Sent out delinquency letters
Performed skip tracing by contacting references, co-makers and employers
Processed check by phone payments
Assisted in the reversals and redeposits of return checks
Recorded payments for bankruptcy and charged off loans in appropriate logs
Coordinated collection and return check activity with other departments

Avalon Eyewear 2001-2006

Collected past due balances from small optical businesses and large chains
Opened new accounts by using customersʼ payment histories to determine credit limits
Resolved customer inquiries and complaints
Processed credit card payments
Frequently coordinated collections activities with sales representatives

EDUCATION
Ramapo College, Mahwah, New Jersey, B.S. Business Administration

PROFESSIONAL LICENSE
New Jersey Real Estate License- 1997 Referral Associate Salesperson
National Real Estate Referral Group

SKILLS

HP 900, Top Notch, AS400, Accounting Express, and I2K programs to research and collect delinquent accounts
Worked with Excel and MS Word for daily work activities and special projects

(Posted: 04/11/12)

Eileen Previte

Home 732-249-3002
Cellular 732-991-9588
eprevite@comcast.net

Jean Road
East Brunswick, NJ 08816

Summary of Experience

Professional with more than 8 years experience in a management capacity within the banking industry, including branch management and IT technical support. Management experience includes total profit and loss responsibility, budget preparation, controlling expenditures, increasing sales, improving team performance, all activities of personnel supervision and management, insuring compliance with policies and established practices, interpreting regulations, developing excellent customer rapport, resolving problems, and project management activities.

Career Achievements

Spearheaded the implementation of new core processor and IT, which resulted in increased productivity levels among employees
Effectively added new ATM vendor and placement of new ATM's throughout campus.

Qualification Highlights

Managed and directed up to twelve associates.
Created catalog of delinquent loans and developed a profile of high-risk customers used to screen applications.
Regularly take on added responsibilities involving spreadsheet management and other duties.
Devised and implemented significant cost-reduction, revenue increase and cash flow improvement measures throughout professional career by restructuring staff responsibilities.
Trained new hires on standard operations and ethical practices to ensure professional service.
Assessed office efficiency and streamlined duties to increase productivity and profit margin.
Cultivated vendor relationships and negotiated new contracts.
Played a key role in developing and introducing new corporate policies and procedures that increased productivity levels and improved internal controls involving accounting, inventory control, customer service.
Established a highly productive and motivated team through responsible task delegation, ongoing
encouragement, and active collaboration between staff and management during quarterly performance appraisals.
Maximized interdepartmental relationships, restoring communication lines, and forging solid partnerships between sales force, accounts staff and senior management.
Successfully coordinated external and internal audits, completing all projects on time, in total compliance with government standards.
BSA/Compliance officer
Ensure compliance with OFAC and Patriot Act Regulations

Project Experience

Operations Manager and BSA/Compliance Officer, 2004 to 2012
Rutgers Federal Credit Union, Piscataway, NJ 08854

Develops effective internal controls and always operated within budget.
Earned a reputation as a valuable and cooperative coworker by: being fair, honest, and willing to help others when needed.
Effectively resolving conflicts at appropriate time, and assisting new hires and other staff to become familiar with policy and operations.
Dealt tactfully and effectively with difficult members.
Assisted in the development on business and strategic plans.
Held weekly staff meetings.
Established goals and objectives,
Evaluated personnel, conducted training programs and established wage incentives.
Closely coordinated with all departments to ensure smooth operations.
Analyzed customer requirements for future products.
Attended corporate planning meetings and assisted in writing policies and procedures.
Acted as BSA/Compliance Officer for Credit Union, which included training for all employees and assisting in NCUA audit.

Education

H.S., [ Major ], 1981
East Brunswick High School, East Brunswick, NJ 08816

(Posted: 02/13/12)

Thomas M. McAndrew
322 Broadway, Point Pleasant Beach, NJ, 08742
732-673-0051
TMcAndrew7@aol.com

PROFESSIONAL SUMMARY
Dynamic sales manager, mortgage loan originator, mortgage banker, top producing loan officer and financial consultant with a 20+ year record of achievement and demonstrated success driving multimillion-dollar loan production. Provides strong sales team leadership in highly competitive markets. Adept at driving growth of company revenues and improving sales-team performance with a decade of successful team building experience. Exceptional mentor and coach.

Developed extensive knowledge of banking regulations, securities industry, and lending guidelines. Tenacious in securing customer loyalty, forging and maintaining strong relationships meanwhile securing and growing new business. Strong strategic thinker with the ability to clearly explain loan programs and financial products to the general public and to the team promoting trust, continuity and team growth.

Lifelong history of integrity, strong work ethic, pride and responsibility within the banking and real estate community.

Core competencies and expertise
.    Sales Management; Team building; Organizational leadership; Personnel supervision & training
.    Loan originations, processing and closing
.    Key client retention & territory growth/development
.    In-depth and personalized customer needs assessments
.    Prospecting & Sales Presentations
.    Seminar creation & public speaking
.    Market Analysis with Securities & Financial Product Knowledge

PROFESSIONAL EXPERIENCE
Sovereign Bank, Toms River, NJ
Senior Loan Officer
5/2008 to present

JP Morgan Chase, North Brunswick and Woodbridge, NJ
5/2007 to 5/2008
Sales Manager

Wells Fargo, East Brunswick, NJ
5/2006 to 5/2007
Sales Manager

Countrywide Home Loans, Milltown, NJ
2003 to 2006
Sales Manager

First Constitution Bank, Cranbury, NJ
1/2001 to 2003
Mortgage Loan Officer

Merrill Lynch, Red Bank, NJ
6/2000 to 12/2000
Financial Consultant/ Stockbroker

Sovereign Bank, Red Bank, NJ
1995 to 2000
Mortgage Development Officer

CoreStates, New Brunswick, NJ
1987-1995
Assistant Vice President/ Loan Officer - Mortgage

Merrill Lynch, Red Bank, NJ
1985-1987
Assistant Supervisor - CMA Client Services / Customer Service Rep

CAREER HIGHLIGHTS

Awarded "Salesman of the Year" yearly from 1988 to 1998.
President's Club Member from 1995-1999.
Coordinated the implementation of an LP (loan prospector) automated underwriting system during Sovereign tenure. First loan officer to utilize the system and to verify its effectiveness.
Developed loan production in Middlesex County from zero to $25 million annually during employment with CoreStates.
Originated an average of $25-$30 million in loans annually for CoreStates and closed an average of $25 million per year.
Supervised 8 Countrywide and 8-12 CoreStates' loan officers monitoring their production for goal achievement.

MORTGAGE LOAN & FINANCIAL ABILITIES

Solicit business through public seminar presentations, cold calling prospects and personally visiting real estate offices, attorneys, builders, and title companies to explain products and programs.
Originate, process, and close mortgage loans in compliance with lending guidelines and in a timely manner.
Provide securities and financial advice to the general public in a concise, understandable manner.
Train new employees, monitor staff and serve as liaison between the company and clients.
Current member with networking contacts in the Middlesex County Realtor Board, Elks and Knights of Columbus.
Computer literate in desktop underwriting systems, mortgage-ware programs, Windows, Excel, Lotus, Quicken, ACT!, MS Publisher, PowerPoint and FrontPage.

CREDENTIALS

New Jersey Mortgage Banker since 1994
Series 7 Registered Securities Representative
Series 63 Registered Securities Representative
Life and Health Authority

EDUCATION AND TRAINING

Bachelor of Science in Business, 1980 - Rutgers University - New Brunswick, NJ
Pursuing MBA, Monmouth University, W. Long Branch, NJ, as of fall of 1999.
Originating and Processing VA, FHA and Government Loans Seminar, Sovereign Bank, 1/1995.

Darin C Fulcher Jr.

28 Quabeck Ave Hillside 07205, NJ
Cell: 3475747878 E-mail: Darincfjr@gmail.com

OBJECTIVE
A challenging and rewarding position in which I can utilize my skills and education, as well as gain knowledge that will create an opportunity for new experiences and growth.

WORK EXPERIENCE
United States Air Force
United States Military | Trenton, NJ
March 2010 - present

Oversees the activities of a crew in the exterior maintenance, repair and painting of military aircraft.
Inspect aircraft systems to identify any component malfunctions, ensure necessary operational tests are completed and prepare the craft for painting.
Perform light aircraft servicing, including defueling and unscheduled maintenance.

PNC Bank | Bloomfield, NJ
Bank Teller/CSR
February 2008 - March 2010
Banking

Provided basic cash receipt, payment services, and deposits in accordance with financial institution's policies and procedures.
Responsible for working at all branches when and if necessary.
Maintain accurate details of each transaction
Tally the full cash amount at the end of each day
Help the customer in whichever banking process they need help with
Bring in new customers to the bank and help with opening their accounts
Have good relations with the regular customers
Train new employees
Fast typing, Knowledge of Word and Excel. Able to adapt to new software practices, Possess knowledge of excellent record maintenance and filing techniques.

Wachovia Bank | Irvington, NJ
Bank teller/Data entry clerk
November 2006 - February 2008
Banking

Provided basic cash receipt and payment services in accordance with financial institution's policies and procedures.? Responsible for working at all branches when and if necessary.?
Provided excellent member services and maintained member satisfaction.
Received cash and checks for deposit, verified amounts, and examined checks for endorsement.
Cashed checks and disbursed monies after verifying signatures, endorsements and member account balances.
Various Banking programs, Microsoft Office Suite.

Kb Toys | Elizabeth, NJ
Cashier / Sales Associate
April 2006 - November 2006
Retail

Helped other employees in all cash register responsibilities
Balanced, organized cash register, and handled customer purchases
Handled all customer complaints and returns
Stored, priced, and reorganized merchandise
Checked deliveries, handled ordering, and restocked shelves

Abercrombie and Fitch | Elizabeth, NJ
Model/Customer Service
April 2006 - November 2006
Retail

Model the store's clothes, attract the buyers interest and provide the customer with great customer service.

Sears | Watchung, NJ
Sales Consultant/Cashier
September 2004 - April 2006
Retail

Trained new staff members in customer service, fashion marketing, and money handling skills.
Created in-store displays to maximize product marketability and appeal.
Assisted customers with locating and selecting merchandise in addition to providing options in fashion and accessories.

Commerce Bank Ballpark | Bridgewater, NJ
Kitchen Helper
March 2004 - September 2004
Food and Beverage Production

Keeps work area clean and uncluttered during preparation and service of food.
Performs cleaning assignments according to established policies and utilizes the proper cleaning chemicals.
Ensured that dishes, etc. are readily available for the next meal. Stores dishes, etc. in the proper location in a way to prevent contamination.

McCutchen Nursing home | North Plainfield, NJ
Dietary Aide
November 2003 - March 2004

Prepare nutritional care plans.
Assisted in preparation of patient food trays.

Halloween Superstore | Bridgewater, NJ
Cashier/Sales Associate
September 2003 - November 2003
Retail

Handled all cash register responsibilities (Cash/Credit)
Assisted customers with all Halloween products, passing out general promotions in the store
Stocked and inventoried Halloween products on the shelves

EDUCATION
North Plainfield High School | North Plainfield, NJ
September 2002 - June 2006
High School Diploma

SKILLS

Ability to adhere to company policies	Expert
Ability to pay attention to detail	Expert
Ability to follow security measures	Expert
Ability to be consistent	Expert
Internet Research	Expert
Microsoft Office PowerPoint	Intermediate
Microsoft Office Excel	Intermediate

LANGUAGES

English

Fluent

Joseph H. Robotin
12 Butts Avenue
Bordentown, NJ 08505
(609) 324-0068
robotin17@msn.com

Summary
Seasoned banking professional with extensive experience in areas of mortgage and consumer loan processing, underwriting, closing, post-closing and servicing functions. Proven abilities to recruit, motivate and retain trained mortgage and consumer lending professionals.

Professional Experience

PNC Bank, N.A., Hamilton, NJ - 2008-Present

Mortgage Servicing Manager/Vice President

Manage four subservicing companies managing 150,000 loans totaling $12 Billion
Approve foreclosures, modifications, audited processes
Hold weekly, monthly and quarterly meetings addressing servicing issues
Annual site visits for SOX reviews
Conduct monthly servicing meeting

Yardville National Bank - 1993-2008

Retail Lending Manager, Senior Vice President

Combined Consumer Loan and Residential Mortgage Divisions
Managed staff of 12 employees processing, underwriting and servicing consumer and mortgage loans
Cross-trained staff across product lines to assist in coverage based on product volume
Developed the Quality Control process for mortgages and consumer loans
Maintained a low default rate in both product lines
Member CRA Committee
Member Criticized Asset Committee
Maintained the budget and production levels of the department
Prepared financial reporting for the department and regulators

Education
Eastern University, St. Davids, PA - Master Business Administration

Eastern College, St. Davids, PA - Business Management

American Institute of Banking

American Home Education & Counseling Institute Certified Councilor


Professional Organizations
Bordentown Regional School District Education Foundation - 2002-2009
President

Mortgage Bankers Association of New Jersey - 1994-Present
Member of Affordable Housing Committee and Loan Administration Committee

Neighborhood Housing Services of Trenton - 1998-2005
Board President - 2002-2005
Treasurer - 2001

Capital Area Housing Resource Center - 1998-2002
Board Member - 2001-2002

New Jersey Credit Association - 1996-2002
Board Member - 1998-2002

References furnished upon request.