GEORGE O'CONNOR

Brooklyn, NY
917 805 8851
gtoconnor@gmail.com

SUMMARY
Senior Relationship Manager and Sales Executive with over fifteen years of exten
sive experience in originating small business and commercial real estate loans i
n the New York Tri State Area.

Refined business development, negotiation, leadership and communication skills.

Financial Management and Business Development - Developed and directed high prof
ile projects for business and financial markets. Managed multi-million dollar po
rtfolio's of commercial loan accounts in the New York Metro area. Key player in
the creation and management of new profit centers for two financial services co
mpanies.

Lending - Led the financial analysis required to make credit decisions. Perform
ed due diligence to complete the underwriting process. Approved credit faciliti
es for business entities in the form of commercial mortgages, credit lines to su
pport working capital needs, short term loans for acquisition of equipment, and
construction loans. Review and approval of third party reporting such as Apprais
al and Environmental reports. Quality control and legal document
Review.

Credit Training - Identified and quantified subtle business and credit risks. Tr
ained, coached, and managed staff in credit and financial analysis techniques.

Sales Campaign Development - Designed successful sales campaigns small business

and commercial services sectors, based on experience gained in banking over the
past 15 years.
Community Involvement - Built profitable networks with members of the business c
ommunity in New York and New Jersey by developing and managing referral sources
from attorneys, CPA's, and small business associations..
EXPERIENCE
TCRM Commercial, New York, NY
Senior Commercial Lender
2006 to 2008
Managed the origination, underwriting and financial analysis of multifamily, com
mercial, conventional, construction, and bridge loans on a National level.
Achieved top performance in sales for entire company since first month of employ
ment.
Created , managed and enhanced portfolio of business and commercial loans and bu
siness referral sources.

Wachovia Bank, Stamford, CT

Vice President, Small Business Relationship Manager
2002 to 2006
Developed new business and enhanced existing portfolio of over 300 small busines
s, multifamily, and commercial loans and business demand deposit accounts. Perf
ormed detailed underwriting and financial statement reviews and analysis Outperf
ormed sales goals to be consistently ranked in the top 3 for the Northeast Regio
n. Completed formal credit training.
. Job discontinued: merger with First Union Bank.

Fleetbank Boston, White Plains, NY

Vice President, Small Business Relationship Manager
2000 to 2001
Created new and enhanced existing portfolio of small business, multifamily, and
commercial loans. Performed detailed underwriting and financial statement revie
ws and analysis.
Top producer in every category of banking products from small business loans t
o demand deposit accounts.
Job discontinued due to merger with Bank Boston.

M&T Bank, Nyack, NY

Commercial Real Estate Underwriter and Analyst
1996 to 2000
Managed the underwriting due diligence process for the entire commercial divisio
n in the Northeast region. Acted as the environmental liaison between the bankâ⠬⠢s atto
y and the environmental engineers on all commercial real estate and construction
loans. Performed all underwriting and financial statement reviews and analysis
.

Columbia Equities, Tarrytown, NY

1992 to 1996
Senior Underwriter and Team Leader
Managed Team of Underwriters for Freddie Mac Seller/Servicer
The financial analysis and underwriting of multifamily and commercial
loan portfolio of 300 loans. Job discontinued due to commercial loan portfolio
sale

EDUCATION
Iona College, Hagan School of Business, New Rochelle, NY
M.B.A. Finance Program 1990

Mercy College, Dobbs Ferry, NY

B.S. Business Administration, 1986
SUNY Westchester, Valhalla, NY
A.A.S. Chemical Technology, 1996
NY Real Estate Appraisal Institute
NY State Appraiser License, Ethics, R1, 2003
LANGUAGES SPOKEN English, German, Spanish

ADDITIONAL INFORMATION
Computer skills - Microsoft: Access, Excel, Word, PowerPoint, Publisher, FrontPa
ge;
Lotus 123, Photoshop, QuickBooks, Notes, HTML Design, Database Management.
Activities - Leader of New York City Social network with over 1400 members,
certified professional snowboard instructor, surfing instructor, Independent Fi
lm
Company owner, Small Business Consultant