• Address: akaldm@msn.com, Port St Lucie, FL 34986 (map)
• Date Posted: 10/11/09

I am seeking a salary position. I have a tremendous amount of background experience and am always willing to learn. Please look at my resume. Serious inquiries only.
Please no pyramids or commission only w/ large dollar promises.

Linda Michael
314 SW Tomoka Springs Drive
St Lucie West, Fl. 34986
772-985-0553
Email AKALDM@msn.com

Qualifications Overview

I have over 25 years of experience in banking, financial services, and the insurance industries.
I have designed custom workshops for 3 major commercial banks and thrift institutions, authored various training and regulatory policy manuals, held seminars in Sales, Business Development, TQS, Communication, Public Assertiveness and Interpersonal Relations
and Coaching for Results.
I was recommended by the ABA (American Bankers Association) for the position of extended education instructor to teach a course on Selling Financial Services for the Institute of Financial Education, East Coast Chapter.

I have a Bachelor of Science degree in Finance and an Associates degree in Marketing from the University of Wisconsin
My most current positions:

Licensed Real Estate Agent #SL3218321, Current

Certified Home Retention Consultant, Current


General Manager, St. Vincent de Paul Thrift Store a ( 501 ( 3 ) entity,
Was responsible for the management, marketing, advertising, sales and organization of the non-profit store and its 35 + volunteers.


Mortgage Broker, State of Florida, (2004-2007) the company I represented was known as a specialty niche Sub-Prime Correspondent Lender. The company as many in the mortgage industry; closed its doors under the pressure of the failing real estate market. I had served there for the past 2 and one half years.


NeedleStreet Embroidery Company Inc., (1993-2004)
Owner and founder of a Commercial design & logo sports apparel specialty shop.
With gross sales of over $500,000.00

Vice President of Banking for eBizTransform Inc. (1999-2000)
An e-Commerce Company in Boca Raton which I was one of five partners, and served as Consultant to the financial industry on a B2B platform.
My responsibilities included serving as liaison between bank principals, state and federal governmental agencies for the procurement of bank operations and processing procedures of the company.
I was known for my experience to negotiate, institute and augment policies, procedure and regulatory standards so that banks may conduct business in their state and on the Internet.
I am well versed in bank charters on a state, federal and privatized level and in a multi state capacity. Prior to this position I was:

President/CEO of Potomac Electric Power Company Credit Union, Washington, DC’s largest utility company. (1990-1993)
I was interviewed for the position by the Board of Directors and the NCUA, a Federal agency governing Credit Unions.
I accepted the challenge after being chosen from a field of 83 applicants, and became the first female President in the Credit Union’s 57 year history.
My technical expertise and knowledge of bank procedural, operational and regulatory compliance provided critical guidance to the credit union that at the time of my hire had been classified insolvent and under conservator ship.
Developing a plan that included Due Process of loan asset/liability portfolios, surety bond and other areas that could identify operational anomalies,
NCUA approved my business plan and 5-year time frame for qualitive review.

I met the goal in 18 months, lifting the LUA (Letter of Understanding), voiding the conservator ship status and managed to upgrade the organizations C.A.M.E.L.S. rating from its score of 5 down to a 1.8.
NCUA adopted this 5-year strategic plan as an example and template for other ailing credit unions. I also served dual positions as:

Vice President of Branch Administration and Director of Sales Management and Training for Trustbank. (1986-1990) Tyson’s Corner, Virginia

Trustbank, previously known as Dominion Federal Savings and Loan, with assets of 3.3 billion and 38 branches located in northern and southern regions of Virginia.
I was responsible for the management, administration of sales and production of revenue for the 38 branch network, with assets over $535 million.

As a licensed agent in Life and Health Insurance Agent, in the State of Virginia, making me a tri-title holder of Trustbank serving as Assistant Vice President of the newly formed Trustbank Insurance Company in addition to the roles of Vice President of Branch Administration as well as the Director of Sales Management and Training.

During this time, I successfully commissioned the OTS and the FDIC to allow Dominion Federal /Trustbank to engage in the sale of annuities. At the time, these investment vehicles were only obtainable and transferable through a licensed Insurance company and a state licensed agent, thus, the creation of our new Insurance Agency.
This venture required newly written amendments to the bank’s charter and bylaws, and led me to pioneer a program managing and supporting over 80 newly-licensed agents.


District Manager of Carteret Savings Bank, Morristown, NJ. (1985-1986),

Responsibilities included surveying demographic areas as new potential branch sites, acting as principal liaison with contractors on facility design, security system design, branch staffing, new branch operating procedures, business development, strategic planning, media saturation, advertising and the overall profitability of 7 branch offices in the DC, Virginia and Baltimore regions.
Additionally, I served as:

Project Manager and Conversion Specialist for Marine Bank, NA. (1977- 1985)
a Milwaukee based corporation with over 6 billion in assets.
My responsibilities encompassed working with client banks under $300 million who desired the ability to process in-house as opposed to outsourcing.
I was responsible for assessment of bank applications, custom GL tables, application install support, client staff training and field support.
My region expanded 5 states.

I am interested in pursuing a position with your company.