John M. Kearney

Permanent Address: 141 Geneva Drive, Aliquippa PA 15001

Telephone: (724)-462-4798 E-mail: jkearn6@gmail.com

Objective: To obtain a full-time position with a mortgage brokerage firm that is seeking a highly motivated, resourceful individual, with proven leadership abilities and a passion for success and career growth.

Financial Service Experience:

Branch Manager, Northwest Consumer Discount Company August 2010-Present

Monroeville Office March 2016 - Present

Responsible for $3.5 million of annual loan activity through approximately 800 customers. Top 5 producing manager (out of 54 in the company) by authorizing and underwriting approximately 60 loans a

month with an average size of $5,000. Direct and distribute the investment of funds to approved clients by doing $300,000 in loan volume a month, selling

$25,000 in insurance premiums and dealing with an average of 1,000 customers a month. Grew the office by $200,000 in direct loans and improved the Return on Assets (ROA) by 1% within my first 4

months. Responsible for monitoring cash receivables, balancing of cash drawers, auditing of loans files, controlling

disbursement of funds, monitoring of all office expenses and managing employees. Submit daily reports to CEO and Vice President, including delinquency report, branch volume report, insurance report

and meeting notes about policies and procedures that have changed that I have discussed with my staff.

New Castle Office March 2014 – March 2016

Grew the New Castle Branch 44% from $1.8 million to $2.6 million in 18 months primarily through new customer acquisition.

Increased the branch’s Return on Assets (ROA) from -0.7% to +1.79% in less than two years. Authorized and underwrote 50 loans a month with average loan size of $4,000. Turned the office profitable for the first time in 3 years. Directed the investment and distribution of funds to approved clients by doing $250,000 in business a month and

selling over $15,000 in insurance premiums. Aggressively expanded clients through business to business relationships and personal networking.

Floating Manager March 2013 – March 2014

Floated between 17 offices in the southern region reporting to the Regional Vice President. Ran three different offices weekly, managing 15 employees throughout each week. Ran daily reports for each office including loan volume report, delinquency report, insurance report, cash receivables

report and cash drawer balance report. Drove operational improvement of these branches, leading to promotion to Branch Manager for the New Castle

office.

Assistant Branch Manager, Northwest Consumer Discount Company August 2010 – March 2013

Butler, PA August 2011 – March 2013

Promoted to the Butler office and expanded duties to include lending in addition to collections. Drove loan transactions with the supervision of the branch manager, becoming a top producing assistant manager and

helping the office transform into the largest office in the company. Helped grow the Butler office after arrival from 3.5 million to 4.5 million and gained roughly 400 new customers

turning the office from being ranked fifth to first in accounts (still remains first to this day).

Natrona Heights, PA August 2010 – August 2011

Decreased the Natrona Heights office delinquency by 2%, collecting $100,000 more a month than the previous assistant branch manager.

Significantly decreased the accounts charged to bad debt, saving the company $215,000 in my first year.

Financial Service Intern, Walton Financial, Ellwood City, PA Summer 2009

Demonstrated a commitment to customer service and strong interpersonal communication skills by making approximately fifty collection calls per day, ensuring that clients possessed important information regarding their financial situations.

Carefully documented approximately 300 client interactions displaying a detailed and accurate approach, providing the opportunity to take appropriate financial action.

Developed a reputation for honesty, integrity and strong customer service, leading to a referral from the owner, Richard McKinney, for a position at Northwest Consumer Discount Company (where Walton Financial was sold).

Established an easy access filing system for office efficiency using digital technology that ultimately replaced the out-dated system previously used.

Technician, VComm Communications, Chantilly, VA Summer 2008

Displayed flexibility by completing a variety of tasks including customer service, balancing cash reserves and office organization.

Demonstrated customer service skills by assisting employees while they managed account transactions in person and over the phone.

Recognized by co-workers and managers as possessing strong leadership skills combined with amiable personality resulting in a $1,000 bonus check at the end of the summer.

Continually rewarded for enthusiastic commitment to maximizing customer satisfaction and for a strong work ethic, receiving a letter of recommendation from the owner, John Varnes.

Varsity High School Basketball Coach, Ellwood City High School, Ellwood City, PA April 2009- April 2010

Demonstrated mature leadership and resourcefulness in facilitating opportunities for growth in lives of high school students

Team achieved eight more wins than the previous year, a major achievement for these young high school students. Learned how to interact with and care for students with many different personality types. Balanced schedule and managed time in a way that was beneficial to the team and myself.

Education

Slippery Rock University, Slippery Rock, PA

B.A. In Finance, May 2010

Major QPA: 3.0

Slippery Rock University Basketball Team/Collegiate Athletic Scholarship

Illustrated perseverance and dedication to the team through hard work and perfect attendance Contributed eight hours a day seven days a week for basketball while balancing mandatory study table for 3 hours a

day for five days a week. Team representative for Student-Athlete Advisory Committee and Student-Athlete Mentors, setting up fundraisers

and running youth basketball camps at the university. Made the starting lineup as a true freshman on the team by demonstrating a relentless, competitive and committed

attitude toward the team. Learned what it means to put a team first and the importance of communicating amongst a large group of people.

Further Education

NMLS ID# 1187124

Notary

Commonwealth of Pennsylvania Insurance License Lines of Authority

- Accident and Health

- Credit Products