DANIEL J. KRZAK JR.

dk4e4afa@westpost.net
18908 Parkway Lane
Mokena, IL 60488 Telephone: 708-567-8505
Alternate: 708-479-0754
SUMMARY
Results-oriented, self-directed and respected Commercial & Multi-Family Lending
Veteran with a solid history of implementing competitive strategies to drive ban
k revenue. Dynamic relationship manager known for comprehensive product knowled
ge and business acumen. Highly skilled in assessing/anticipating client needs w
hile offering the highest commitment to customer service. Strong professional e
thics. Expertise includes:
- Credit Analysis & Approval
- Collateral Cash Flow Analysis
- Loan Closings & Administration
- Lending Decisions/Recommendations
- Account Solicitation & Management
- Consultation & Relationship Building
- Organizational Planning
- Leads Generation
PROFESSIONAL EXPERIENCE
BankFinancial, FSB. Burr Ridge, IL 01/01 - 04/10
Senior Vice President - Wholesale Commercial Lending (2008 - 2010)
Vice President - Wholesale Commercial Lending (2005 - 2008)
Developed all facets of wholesale commercial lending program, including designin
g policies and procedures, and providing staff training. Provide leadership and
direction for two- person team responsible for managing a $130 million secured
multi-family apartment building and commercial mortgage lending portfolio (each
loan ranging from $250,000 to $2 million). Special emphasis on new loan programs
, multi-family and commercial credit and collateral analysis and mortgage docume
ntation.
Successfully closed 100% of all pre-screened loans in the last five years and wo
rked out problem credits down to 1% of all loans originated.
* Scope of responsibility includes new business development, portfolio managemen
t, loan analysis and lending team supervision; established and cultivated a pers
onal annual loan portfolio surpassing $100 million.
* Orchestrate strategic marketing programs to generating new business from poten
tial leads while
addressing service issues with existing accounts to maintain good account status
and maximize customer satisfaction.
* Responsible for loan analysis, portfolio development and maintaining profitabi
lity; manage loan restructuring and closing; proven ability to handle all phases
of transactions, from review and analysis, through documentation, closing and f
ollow-up.
* Administer bank policies, prudently manage assets, analyze credit approval doc
uments, gather credit and collateral information and evaluate and report risk.
* Align account and portfolio objectives by maintaining communications and assis
ting lending officers in required documentation needed to structure loans.
* Structure the lending system by controlling delinquencies and maintaining comp
liance with both bank standards and federal regulations.
* Analyze commercial and real estate documentation required to establish borrowi
ng authority and secure the bank's interest in collateral.
* Liaison to other bank units to resolve client issues and confer on documentati
on portfolios as to structure and conformance to bank policy.
* Reviewed all appraisals, property inspections and environmental reports to ass
ure bank compliance.
* Liaison with brokers and vendors to ensure timely responses of loan transactio
ns from registration through closing.
DANIEL J. KRZAK JR.
dk4e4afa@westpost.net * Telephone: 708-567-8505 * Page 2 of 2
Vice President - Multifamily Underwriting and Processing Manager (2001 - 2005)
* Charged with re-organizing the foundation (i.e. programs and procedures) to ma
nage a large loan pipeline. Reviewed loan packages while managing a staff of lo
an underwriters, analysts and processors. Served on the bank's Lending Committe
e.
Reduced turnaround times from registration to closing by 45 days (less than half
of previous time).
* Developed new pre-screening, credit analysis and loan development processes; d
esigned registration package, processing manuals, underwriting guidelines and ma
rketing materials.
* Examined and analyzed all loan presentations prior to submission to Lending Co
mmittee.
* Supervised staff in all phases of underwriting and loan processing.
* Performed risk assessment on all multifamily loan submissions.
LaSalle Bank/ABN AMRO Apartment Lending, Chicago, IL 12/91 - 12/00
Wholesale Account Representative - (1997 - 2000)
Solicited mortgage brokers and bankers across the national marketplace to submit
multi-family apartment
buildings to the bank for loans averaging $450,000 to $500,000.
* Travelled to numerous markets throughout the U.S. to meet and interview broker
s, appraisers, property inspectors and management companies.
* Analyzed and recommended approval of individual loans to the Loan Committee.
* Co-created marketing materials along with registration, underwriting and proce
ssing manuals.
Underwriting and Processing Manager - (1991 - 1997)
Managed a division that exclusively handled underwriting and loan processing for
multi-family properties
throughout the country.
* Analyzed, evaluated and reviewed multi-family loans while identifying and miti
gating all potential risks.
* Partnered with the IT and other department heads to spearhead the research, de
velopment, rollout and training of a comprehensive new computer system for all l
ending operations.
Mortgage Guaranty Insurance Company, Downers Grove, IL 09/89 - 11/91
Customer Service Underwriter
Responsible for verifying and analyzing data to determine risk for new single-fa
mily mortgage loans.
* Underwrote single family loans for national lending companies.
* Issued private mortgage insurance certificates.
EDUCATION
MORAINE VALLEY COMMUNITY COLLEGE, Palos Hills, Illinois
Finance & Credit Studies
GAGE PARK HIGH SCHOOL, Chicago, Illinois
High School Diploma
AFFILIATIONS
Mokena Lions Club - Member, Former President & Director
American Banking Association, Mortgage Bankers Association - Numerous Seminars