Francis J.

Spagnolo
211 Abbotsford Drive
Chesterfield
Middletown, DE 19709
Home: 302-378-3505
fs7461b8@westpost.net
OBJECTIVE
To be able to progress in a strategic and analytical position, utilizing my educ
ational background, work experience, and demonstrated capabilities.

EDUCATION
Goldey Beacom College, MBA/Finance
Goldey Beacom College, BS Business Administration
Salesianum High School

WORK HISTORY
Bank of America, Risk Detection Review Analyst
* Proactively review Bank of America relationships for re-underwriting, while ma
intaining loan quality.
* Reviews loans, relationships of every size and complexity independently.
* Reviews all previous loan documentation.
* Managing existing Bank of America relationships.
* Take adverse action and status accounts to minimize exposure to credit loss.
* Maximize each conversation with the Customer to develop their relationship wit
h Bank of America.
* Effectively communicate all underwriting decisions and line assignments to the
Customer.
* Offer customers alternative methods for repayment

Bank of America, Senior Credit Analyst, Credit Line Management

* Proactively develop all line increase requests to maximize Customer satisfacti
on, while maintaining loan quality.
* Respond to Customer inquiries in adherence to Federal Regulations, Bank of Ame
rica policies, and departmental procedures.
* Redistributing credit lines on existing accounts and apply appropriate status
codes to facilitate Customer requests and limit risk to Bank of America.
* Managing total existing Bank of America Credit Card relationships.
* Effectively communicate all credit decisions and line assignments to the Custo
mer.

Bank of America, Business Lending Customer Satisfaction Specialist II

* Respond to telephone inquiries in accordance with defined standards for qualit
y and productivity.
* Issue monetary adjustments and prepare input for non-monetary adjustments, as
defined by company policy and applicable regulations.
* Prepare and review Customers' requests for credit line increases based on esta
blished set of criteria.
* Effectively use features and benefits of the business card to retain customers
.
* Perform miscellaneous duties as assigned by manager.

Morgan Stanley Dean Witter, Financial Advisor, Fully Licensed Stock Broker
* Uphold Morgan Stanley Dean Witter's long-standing "customer first" philosophy
with personalized service based on individual client's needs.
* Establish comprehensive financial plans that establish short- and long-term go
als.
* Develop individual investment strategies for achieving the client's goals.
* Arrange wealth management and estate planning for clients and their heirs.
* Manage and advise client portfolios in the dynamic financial marketplace.

Licenses:
Series 7 Series 63 Series 65 Series 31

United Parcel Service, Service Provider

* Provided positive interface between corporate management and public sector.
* Upheld United Parcel Service's excellent public image through daily, positive
one-to-one relationships with customers.
* Trained and supervised seasonal employees.
* Proven successful in a self-motivated, autonomous working environment.
Awards:
Recipient of United Parcel Service's Second Level Pursuit of Excellence Award.
Recipient of United Parcel Service's Third Level Pursuit of Excellence Award.

M&G Convoy/Ryder Systems Inc.Operations Supervisor/Logistics.

* Managed a liaison between manufacturer (Chrysler) and shipper (M&G Convoy).
* Maintained liaison between M&G and over 500 independent Chrysler dealerships.
* Supervised and educated 180 union-represented automobile transporters.
* Designed and implemented highly efficient corporate-wide loading procedures.

COMPUTER SKILLS
* Microsoft Word, Excel, Access, PowerPoint