110 Ruth Drive

Myerstown, PA 17067
717-866-1817
gs10caa22@westpost.net
Gregory C. Scheer
Objective
Secure a position that allows me to utilize my extensive background to benefit m
y employer and fellow employees.
6/10 to Present Mid Penn Bank
Dauphin, PA
Loan Review Officer
* Responsible for the overall system of timely identification of problem credits
.
* The identification of loans that should be charged off, placed in the non-accr
ual status, recognized as covered transactions or subject to other workout manag
ement policies.
* The identification of weaknesses in policies and procedures which could expose
the bank to losses.
* The independent assessment of credit quality and process integrity.
* Provide validation of the grading activities of the account managers, underwri
ters and workout specialists to ensure grades are accurate and reflective of ris
k in the bank's credit granting activities.
* The monitoring of credit policy exceptions and reporting on the levels of exce
ptions and trends therein.
* Maintain ultimate control over the final grade assigned to a credit relationsh
ip.
* Chairman of the Allowance for Loan and Lease Losses Committee.
* Manage the maintenance, storage and movement of loan documentation to and from
the central documentation center.
1/07 to 5/10 Mid Penn Bank Steelton, PA
Collection Manager
* Overseer of borrower contact concerning their delinquency including any follow
-up actions.
* Managed the processing of loan payments received for the delinquent and charge
d-off loans.
* Prepared the month end delinquency reports for Management and the Board of Dir
ectors.
* Managed the life and disability insurance claims process.
* Overseer of the preparation, filing and follow-up on civil complaints with Dis
trict Justices.
* Responsible for Chairmanship of the Special Assets Committee and the Charge Of
f Committee.
* Consulted with other members of the Charge Off Committee to recommend which ac
counts that should be written off.
* Managed the relationship and monitor progress of charged off loans placed with
external collection agencies.
* Reviewed the setup and maintenance of charged off loans on the Bank's loan pro
cessing system.
* Overseer of the system for filing proofs of claim with the Bankruptcy Courts.
* Met with borrowers personally to discuss action plan for curing their default.
* Maintained suitable working relationship with outside legal counsels.
* Provided direction for training new Collection Associates.
* Attended as a non-voting member, the Internal Loan Committee Meetings.
* Maintained physical facilities and negotiated the sales of Other Real Estate O
wned.
* Designed and implemented policies and procedures relative to the Home Affordab
le Modification Program (HAMP).
* Assumed responsibility for the overall efficient, effective operations of the
Collection Department.

8/06 to 1/07 Sovereign Bank Reading, PA

Commercial Portfolio Manager
* Provided support for achieving highest quality portfolio of credit relationshi
ps while maintaining consistent risk profile.
* Was responsible for the day-to-day activities of Relationship Managers includi
ng resolving inquiries and creating structure in concert with loan policy.
* Gathered and interpreted financial information, assisted in preparing discussi
on proposals, commitment letters, managed underwriting process and prepared peri
odic reviews.
* Assumed leading role in monitoring performance, assisted Asset Review and Regu
latory Agencies plus interfaced with Analysts and Administrators.
* Supported lenders in cross-selling efforts; assisted in setting strategy and h
ighlighted areas of risk.
* Reviewed delinquencies, loan documentation plus attended settlements as needed
and oversaw assignment of proper risk ratings.
* Maintained good working relationship with Branches, Loan Operations and Loan A
dministration plus Collections Function.
* Participated in customer calls as time allowed and necessity dictated plus I w
as a Mentor to all who needed assistance relative to the credit process.
* Monitored and co-managed past due accounts and workout relationships in concer
t with the Collections Department.
3/01 to 7/06 Sovereign Bank Reading, PA
(Main Street Bank acquired by Sovereign Bank)
Senior Financial Analyst
* Oversaw financial analysis, underwriting and calling techniques of Small Bus
iness Banking Relationship Managers.
* Discussed structure of credit relationship and accompanied relationship mana
gers on customer calls.
* Coordinated collection of pertinent information necessary to prepare present
ation.
* Analyzed and spread borrower's financial statement information.
* Prepared comprehensive approval memorandum for submission to appropriate app
roval authorities.
* Recommended revisions to credit analysis program to increase efficiency and
productivity.
* Trained new credit analysts in the proper procedures for analyzing financial
statements and preparing approval memorandums.
* Recommended to management potential changes to credit policy.
* Assigned and maintained schedule of credits to be analyzed and prepared for
approval.
* Answered questions of management and relationship managers concerning proper
interpretation of established credit policy.
* Accompanied relationship managers on customer calls as time allowed.
* Reviewed and co-serviced delinquent borrowers and workout relationships in c
onnection with the activities of the Collection Department.
Certifications:
Chartered Bank Auditor, Certified Internal Auditor, Certified Loan Reviewer, Cer
tified Microsoft Product Specialist. Also proficient in using Baker Hill - One
Point, FAMAS and Moody's Financial Spread programs.
Education:
Bachelor's Degree in Accounting with an elective emphasis on Business Management
and Psychology from the University of Delaware (1972).
References: Will be supplied upon request.