Lead таргетолог · finance

Sign in Strategic Lending Leader with Regulatory Expertise Location: Chicago, IL Posted: June 16, 2026 Contact this candidate Resume: Frederick F. Nosal Email: *******@*****.*** Phone: 630-***-**** PROFILE: Versatile business senior manager with 20+ years of leadership and experience. Responsible for successfully managing, training/mentoring and recruiting of Operations, MLOs and MLO teams. Opened new channels of business and built alliances and relationships with business heads earning new revenue streams growing sales and production. Responsible for the management and execution of client engagement, sales, vendor management, business development, performance and overall development of the business unit. View barriers as opportunities for solutions. PROFESSIONAL HIGHLIGHTS ● Strategically able to partner with, and compliment all channels of business deploying MLOs into 24 branch offices increasing sales and profits. ● Managed multiple Relationships and Vendors of private, governmental, commercial and Retail partners in business. ● Routinely communicated effectively to a variety of audiences. ● Project Manager. ● Created “Master Mortgage Manual” for mortgages originated providing rules, policies and procedures guiding personnel through compliance regulations and process issues. ● Directly accountable for meeting financial and P&L goals by setting and exceeding production goals. ● Created a call center for in/out sales, focused on accountability and ownership. EXPERIENCE: Central Federal Savings and Loan Association 2024 - Present First Vice President Real Estate Lending Manager ● Strategic Leadership: Developed and implemented overall lending strategies, new loan products, and rate structures to meet institutional profitability and growth goals. ● Portfolio Management: Oversee commercial, residential, and consumer loan portfolios, ensuring a prudent balance between yield and risk. ● Risk & Compliance: Enforce strict underwriting standards and ensure all lending practices comply with federal, state, and regulatory guidelines. ● Team Management: Direct, train, and mentor lending and collection staff, including commercial and consumer loan officers. ● Board Reporting: Prepare reports on portfolio performance, delinquency trends, and lending activities for the CEO and Board of Directors Inland Home Mortgage 2021 - 2024 First Vice President Regional Manager Partnered/focused on supporting channels of business creating satisfied, loyal and referring partners by providing a consistent experience that exceeded their expectations. Created regular catalysts such as lunch-and-learns, morning huddles, sales meetings and buyer seminars which, in turn, earned the MLOs the designation of THE lending experts for residential lending to our partners and their customers. Those catalysts earned solid referrals equating to many mortgage applications and profit growth. Additionally, the channels we inserted ourselves in reaped a much better relationship with their customer base. Manage bank’s loan portfolio and all mortgage lending in the region overseeing mortgage sales, training, underwriting, recruiting and sales production of internal and external MLOs. Manage all pricing/margin targets and incentives. Established structure ensuring operational efficiency by instituting SLAs improving customer service. Old Second National Bank 2018 - 2021 First Vice President Area Manager Responsible for a sales team of 24 MLOs and ensuring profitability and client delight. The role encompassed production, operations, budgeting, HR and region administration while managing the firm's retail channel lines of business supporting; Retail, Commercial and Wealth banking channels of business. Responsible for all aspects of residential lending and servicing including CRA and Compliance. Bank of America 2017 – 2018 Vice President Sr. Wealth Management Lending Manager Contract position of six months. Responsible for staff & MLOs’ smooth and flawless execution of residential mortgages for high net worth clientele. Executed specific sales initiatives. Recruited, led, managed and developed a diverse team of employees using effective training, performance assessments and coaching techniques. Lakeside Bank 2015 - 2016 Vice President Area Sales Manager Earned trust and cooperation across all departments gaining their involvement in my department’s efforts as well as theirs. Enhanced all bank departments with emphasis on Wealth Management and Commercial Lending relationship building. Identified opportunities to increase revenue, improve productivity and create long-term sustainable value, continuously focusing on managing the profitability of Mortgage Department and sales team. Bank Financial 2012- 2015 Vice President Department Head Opened both inside and outside channels of business for sales. Accomplished 2-year goal of lending 300.0 mm in portfolio loans. Trained & managed sales team of 23 MLOs to produce established goals of external loan referrals. Strategized managed operations improving efficiencies in the loan process for originating, processing and closing residential mortgages. Fostered internal and external relationship building. Trained, coached and improved MLOs building relationships & referrals. Introduced and implemented innovative ways & lending products to gain more market shares and achieve sales and financial targets. MORGAN STANLEY 2007– 2012 Vice President Regional Channel Manager Successfully manage daily needs and expectations of high-net-worth clients directing teams in a business channel of Financial Advisors, Regional Managers, and Private Bankers. • Co-developed Service Level Agreement (SLA) providing detailed descriptions of each job function and time permitted to perform those functions increasing both ownership and accountability. • SLA’s provide cross-functional transparency improving ability to track deal flow and drastically increasing efficiency of assigning and analysis of compensation. • Consistently lead division in group’s SLA goals achieved maintaining up to 92.3%. • Develop creative lending solutions while adhering to our firm’s strict credit policy as well as state and federal regulatory laws. • Manage the mortgage loan process from the Mortgage Advisor, Mortgage Loan Officer, Processor, underwriter, Appraisal Review team and Closing department. FIRST AMERICAN BANK 2003 – 2007 First Vice President Department Head Managed bank’s $85M loan portfolio and all mortgage lending, overseeing mortgage training, underwriting, sales production of external loan consultants and the internal personnel of the bank's 44 branches and call center. • Managed approximately 60 consumer/commercial workouts and liquidation of distressed asset loans. • Underwrote, negotiated and closed transactions for entire portfolio and secondary market loans. • Maintained both community and public relations communicating with media members, collaboratively drafting press releases, and writing and delivering speeches for public appearances. • Oversaw regulatory compliance reviewed internally and by FDIC and DOJ maintaining risk management and quality control. • Primary point of contact for regulatory affairs collaborating with appropriate governmental bodies. • Established structure ensuring operational efficiency while improving customer service. AMERICAN HOME MORTGAGE GROUP, INC. 1994 – 2003 President Owner Oversaw all facets of company operations across 3 locations managing 25+ vendor relationships and ensuring total compliance with state and federal regulations. • Hired/trained 8 administrative staff and 20+ MLOs providing guidance and individualized motivation. Responsible for all aspects of operations and production growing business from one location with 2 employees to a thriving sales force of 11 and administrative staff of 2.5. • Developed and formalized structure to increase efficiency and promote expansion. EDUCATION: ELMHURST COLLEGE MBA B.S. Business Administration & Finance LEADERSHIP POSITIONS Coached 54 youth sport teams: Addison Recreation Club Head Coach - Boys Football, Soccer, Baseball & Basketball 2001 – 2015 Addison Girls Sports Program Head Coach - Girls Volleyball & Softball 2006 – 2009 Alpine Country Club, Board of Directors 2000 – 2005 College Painters of America (C.P.A.), Founder Created and developed a company as a vehicle to pay for college; managed; sales, estimates, contracts and crew of 6. ASSOCIATIONS IMBA, Member 2003 – Present Illinois Association of Mortgage Brokers, Member 2000 – Present Professional References: Tim Mills/CEO Ermco (30+ year relationship) Cell: 404-***-**** ***.*****@****-***.*** Vincent Giuliano/Attorney at Law (25+ year relationship) Office: 708-***-**** *******@******.*** James Plataniar/President Platania Financial, Inc. (30+ year relationship) Office: 847.870.PLAN ****@*****************.*** Contact this candidate PostJobFree Delete or Update my resume About Terms of Service Privacy FAQ Contact us