Commercial Credit Manager

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Commercial Credit Manager with 15 years experience looking for a Middle Management position.

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JOSEPH A. GOLDKAMP 91 Boston Street, Somerville, MA 02143 Tel. 339-227-7911 e-mail: [email protected] SUMMARY Professional Banking Officer with over 10 years experience managing in commercia l banking and in leading project teams for quality enhancements to achieve objec tives. Responsible, articulate, and able to negotiate for change in a positive, collaborative manner to advance value based service goals. KEY ACCOMPLISHMENTS Commercial Bank Credit Risk Manager: * Credit analysis and loan judgment: Chaired credit approval committees. Managed loan structuring and credit relationships with bank borrowers. Determined appro priate risk ratings. * Project management: Designed and managed effective credit review projects to a ssess commercial bank lending departments. Supervised teams of loan examiners te sting the quality of loan administration. Generated senior-level evaluations, wi th recommendations for credit controls that were successfully implemented. * Determined underwriting provisions of loan agreements: Reviewed loan arrangeme nts with loan officers prior to loan approval. Proposed enhancements to improve loan structure and performance. Participated in management of deteriorating cred its to provide protection of bank interests. * General manager: Developed and trained lending officers, trainees, field audit ors, and lending operations staff. Supervised field auditors in evaluating inter nal accounting controls of borrowers. Managed daily operations of asset based le nding groups. Managed and motivated groups of up to 30 employees. Engaged servic es of outside vendors. Community Volunteer Service: * Board President, New England Fellowship, Inc: Helped guide strategic planning and implementation for New England Fellowship, a rapidly growing agency providin g treatment, housing, and long-term special needs services for people and famili es dealing with mental illnesses. Provided progressive volunteer service as trea surer, and later as head of the board, to guide organizational development, assu re high quality programs and initiatives, and motivate board participation. In a ddition to strategic planning, participated in processes to evaluate requests fo r service contract proposals, financial management, facilities acquisition decis ions, funding development, and quality assurance in programs.

PROFESSIONAL EXPERIENCE: 2007- Present Mental Health Provider, Arbor Associates, Inc. Boston, MA

Provides variety of temporary support for human service agencies. 2003 - 2007 Supervisor of Support Staff, CASPAR, Inc. Somerville, MA Directly assisted program director in a wide range of management activities. O versaw management teams to maintain quality standards in a men's addiction treat ment program. Assured proper handling of more complex conflict resolution in ac cordance with policy objectives. Working proficiency with Microsoft Word, Excel , Access, and PowerPoint. 2000-2003 Financial Advisor, JAG Financial Advisory Services bury, CT Provided financial management services to assist individuals. 1991-2000 Vice President-Credit Review, Fleet Financial Group , RI and Hartford, CT Providence Glaston

Headed reviews of departments managing complex commercial and consumer portfolio s to assess quality of credit risk management and to make constructive recommend ations. 1986 -1990 Head of Credit Administration, Rhode Island Hospital Trust Bank Providence, RI Head of divisional credit approval committee. Managed daily operations of asset based lending group. Developed credit lending skills of junior officers. Superv ised field auditors. Managed individual credit relationships with customers. Key con tact with attorneys in developing loan documentation in accordance with conditions o f loan approval.

EDUCATION: Harvard Business School, Boston, MA MBA in Finance Princeton University, Princeton, NJ B.A in American History

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