John D. Shinall III 605 Anderson Drive Deltona, Florida 32725 Residence: 386-747-3991 Email: js15b6478@westpost.

net OBJECTIVE I am seeking an employment opportunity which capitalizes on my expertise in the Banking/Credit Union/Software Retail Industries. I can offer an extensive set o f acquired skills: *FIS Horizon software-Lending*Fiserv Portico-Premier- Deposit/Member Service- *F iserv Portico Loan Concierge *Fiserv Portico Loan Advantage*Fiserv Users Data Sa fe Classic*Fiserv Users Data Safe Navigator*MS Office*Windows NT*MS Outlook Exch ange*Adobe PageMaker*MS Works*Training*Management*Consumer Lending* Underwriting * *Marketing*Portfolio Management*Business Development*Collections*Risk Analysis *Report Writing*Event Organization*Call Center*Fundraising*Sales*Auditing*Public Relations*Compliance*Research*Strategic Planning*Data Mapping* Bank Control Set up* *Notary Public* PROFESSIONAL PROFILE 04-10 TO Current FIS Orlando, Florida Business Analyst III- Loans Responsibilities Responsible for analyzing bank data for bank clients that are converting the org anization's software from their current vendor to the FIS product Horizon*Bank C ontrol Setup*Analyzing data fields and coding to fit new software program* Balan cing Converted Bank Data*Resolve Conversion Problems*Phone Support*Data Validati on*File Delivery*Code Changes*Post Conversion Code support* Accomplishments Studied the concept of data mapping*read computer code*analyze data from various vendor reporting systems*Solve issues related to conversion implementations*Adh ere to strict timelines*Proved quality service to converting banks*Excellent rap port with Clients*Remains calm during stressful situations* 11-03 TO April 2010 Central Florida Postal Credit Union Orlando, Florida Branch Manager, Lake Mary Operations Lending Coordinator-Main Office Branch Manager, Main Office Responsibilities Responsible for phasing out old credit union software and implementing/training employees on new computer upgrades/software*Responsible for overseeing main offi ce and branch loans underwriting/auditing*Implement new and review existing lend ing and member service procedures and policies*Operate a credit union branch by

staffing, training, directing and evaluating staff*Attend educational seminars * Evaluate all credit union lending staff for job knowledge, and decision making s kills*Conduct annual reviews for branch staff and make suggestions for advanceme nt/improvement*Interview, process approve/reject and disburse member loan applic ations*Order and verify shipment money for branch operations*Balance and audit A TM machine*Conduct membership drives and coordinate/implement Business Developme nt strategies*Implement new policies and procedures*Research cost effective and efficient procedures for branch operations*Assist Human Resources in budgeting/p lanning various credit union events (ex: Holiday party, Annual Meeting)*Manually monitor and process Force placed insurance, refunds, and payment adjustments fo r all Credit Union collateral loans-excluding Mortgages. Accomplishments Trained the new V.P. of Lending*Assisted in setting up Credit Union default para meters during conversion/software change of the deposit and lending software*Pha sed out credit union's Lending software from Fiserv Users Data Safe Classic into Fiserv Users Data Safe Navigator*Responsible for underwriting loans up to $10,0 00 unsecured $50,000 secured, $150,000 home mortgages*Tripled branch loan volume in 12 month period*Increased and maintained Credit Union GAP Penetration levels at almost 100% *Excellent Audits*Increased 2004 Annual Meeting attendance by 40 %*Maintains the highest number of cross sold credit union products and services* Exceeded yearly lending goals during 2003-2008*The only Branch to make a profit in 2009* Currently maintains the largest portfolio of loans, deposits, in ratio to employees*Maintains the lowest level of loan delinquency vs. portfolio size* 01-03 TO 07-03 Riverbank Acceptance Orlando, Florida Regional Dealer Services Representative Responsibilities Planned, directed, implemented and controlled the sales and Business Development activities of the Central Florida office*Promoted Riverbank Indirect Lending pr ograms*Reviewed dealership portfolios for purchase negotiations*Processed point of sale contracts and negotiated discount funding amounts*Tracked dealer partici pation and approval ratios*Liaison between dealer credit managers and Riverbank Underwriting*Reviewed consumer credit reports*Responsible for accurate auto appr aisals and inspections*Collected payments on defaulted accounts*Monitored fundin g procedures. Accomplishments Successfully increased the volume of dealer loan applications*Collected 85% of d ealer charge backs*Reduced customer default during recourse by 42%*Invented crea tive marketing strategies for increased business*Re-established relationships wi th dormant dealerships*Created win-win situations for deal negotiations* 10-00 to 01-03 Orlando Federal Credit Union Orlando, Florida Business Development Officer

Responsibilities Solicited perspective new member groups*Coordinated and ordered marketing materi als used for Business Development activities within $25,000 budget*Designed and created invitations, promotional gifts and logo items*Tracked and reported new g roup penetration levels for new accounts and loan products*Created and implemented credit union telemarketing*Co nducted educational seminars and credit union promotion*Coordinated monthly and yearly events for 250 plus attendees *Active participant in several community ac tivities and fundraising events such as the Muscular Dystrophy shamrock sale, Or ange County Historical Society shin dig, Chamber of Commerce so socials and conn ect meetings, United Way and American Cancer Society*Audited and disbursed funds on charity accounts*Introduced new procedures and promotions to branch managers and staff members for branch development and maximum growth potential*Responsib le for preparing monthly, quarterly and annual profit/loss reports to Board of D irectors for new and closed accounts*Calculated and reviewed SEG penetration lev els and participation*Assisted Member Relations department as needed. Accomplishments Created a highly focused needs based sales approach to attract profitable member group relationships*New Membership Groups increased by 1/3 in 12 months*Penetra tion levels increased by 24% in 12 months*Developed and implemented OFCU telemar keting strategies*Promoted credit union awareness in existing groups by attendin g new employee orientations, health fairs and guest speaker opportunities*Re-eva luated and organized fundraising events increasing proceeds by 600% in one quart er*Successfully reduced annual catering budget by 25%*Increased branch operation s which helped support funding for 3 branch expansions in 30 months 08-97 to 10-00 Orlando Federal Credit Union Orlando, Florida Senior Lending Officer Senior Member Relations Officer II Responsibilities Provided training and performance coaching for 15 employees in the Member Relati ons department*Performed in depth loan interview functions*Reviewed loan request s, generated decisions in compliance with OFCU policies and under Board approved limits; $7500 unsecured, $40,000 secured*Exceeded monthly loan goals for credit life and disability, GAP, and extended warranty policy sales*Counseled rejected applicants and made recommendations to acquire future loans*Responsible for monitoring, auditing, and reporting all credit unio n IRA transactions*Setup trust, proprietorship, association, and new member acco unts*Processed all title work for autos, boats, and specialty vehicles*Cross-sol d various products and services* Accomplishments Generated and maintained an average portfolio of $2.7M*Maintained a 70% penetrat ion level for Credit Life and Disability Insurance*Achieved the highest level of GAP purchases per loan officer per quarter*Recommended and implemented program changes for internal IRA reporting*Successfully maintained a delinquency ratio o f .08%*Designed and introduced new department and procedures*Aided in developing Risk Based Pricing for the loan program

07-96 to 08-97 America's Cash Express Orlando, Florida Center Manager Responsibilities Responsible for the day to day operations of the Winter Park branch*Managed and trained 4 center employees*Marketed products and services offered by ACE*Risk an alysis for potential fraud/loss on checks presented*Verification of employment a nd checks issued*Maintained center deposits and cash flow inventory*Audited vaul t, tellers, and balanced daily teller work* Constructed monthly reports for projected income/loss reports*Prepared annual b udget for center Accomplishments Opened new Winter Park location*Increased fee revenue in Edgewater location by 2 0%*Reorganized center procedures to reduce customer average wait time*Reduced co llection losses by 30%*Successfully implemented Money Gram products while phasin g out Western Union* 06-91 to 07-96 CFE Federal Credit Union Orlando, Florida Senior Member Services Representative Responsibilities Served Assistant Branch Manager as needed*Trained new employees in teller transa ctions, new Accounts, member services and loan interviewing*Conducted and superv ised teller transactions*Interviewed and cross-sold Member Credit Union financia l products and services*Operated credit union switchboard with 10 incoming lines *Assisted Marketing Director in credit union promotions and presentations*Assist ed Human Resources in updating files and coordinating employee functions Accomplishments Responsible for expanding the CFEFCU "Floater" department*Received employee of the quarter award in 1992*Completed formal Credit Bureau training*Attended FBI C ounterfeit Detection Seminar*Completed Credit Union Star/College level Courses* EDUCATION Edgewater High School High School Diploma- Electives in Business Education Orlando, Florida Valencia Community College Associates Degree-Influence in International Business, Accounting Orlando, Florida University of Central Florida Orlando, Florida Accounting, Business Management Contiki Educational Travel London, England

Study of European Architecture, Art, and Culture BAI Learning and Development Bank and Credit Union continued education REFERENCES Jim Weibert CEO Central Florida Postal Credit Union 407-425-2561 Judy Scott Vice President Operations Central Florida Postal Credit Union 407-425-2561 Extension 105 407-760-3450 Cellular Michael Eskenazi Vice President Lending Central Florida Postal Credit Union 407-425-2561 Ext. 112 Maria O'Shea Vice President Human Resources Central Florida Postal Credit Union 407-425-2461 Ext. 111 Additional Reference Category Available Upon Request