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Michael A. Sewalk - 36637 Haverford Place, Avon, Ohio 44011 ' 440.382.1367 : msb9d1ee@westpost.

net

Qualifications Summary Highly motivated, award-winning, and top-producing professional, equipped with p rogressive years of experience in business development, financial, and account m anagement operations, complemented with sales, marketing, as well as client serv ices expertise. Possess successful track record of consistently meeting and exce eding goals. Show competency in acquiring new accounts and innovating effective business strategies to increase market share, optimize revenue base, and expand sales among existing accounts. Known for keen eye for detail and extremely capab le of multitasking in fiercely competitive and fast-paced environment with dedic ation to superior service and operational excellence. Entrepreneur and visionary ; capable of leading and motivating people at all levels to achieve maximum pote ntial, while attaining corporate objectives. Areas of Expertise Business Management and Operations Customer Service and Relations Leadership and Staff Motivation P&L Accountability and Projections Financial Analysis and Reporting Rapid Confli ct Resolution Process and Productivity Improvement Risk Management Regulatory Compliance Professional Experience BANK OF AMERICA / MBNA AMERICA BANK, Beachwood, OH * 1998-Present Credit/Risk Operations Manager / Assistant Vice President 2009-Present Assume full responsibility in directing all aspects of starting up a new departm ent within the credit division. Proactively supervise and monitor a team of 20 a ssociates and 6 assistant managers, broadening personnel skills and maximizing w orkflow of the business operations. Key Accomplishments: Recognized for organizational expertise and earned the 2009 Top Manager Award fo r consistently leading the division in all performance and quality metrics. Appointed as acting division manager in interim of two months resulting in a bal anced workload throughout the department. Customer Satisfaction Sales Manager / Assistant Vice President 2005- 2009 Maximized skills of 29 supervisory and management level staff members through ex ecution of leadership training programs. Developed and successfully implemented new programs crucial in the achievement of business goals and objectives. Orches trated quarterly meetings for 300 people to determine needs and best fit solutio ns for the environment and business process. Pivotal contributor in managing the performance of more than 35 individuals in the entire sales, efficiency, and qu ality measures. Key Accomplishments: Achieved the 2008 Excellence in Performance Achievement Award out of 130 manager s in the division.

Instrumental for the successful completion of 2008 United Way Campaign efforts f or the Cleveland site, which resulted to $130K in organizational revenue increas e. Cost effectively administered the Cleveland's 2008 Fraud Initiative resulting in $190K of limited loan loss and $850K of potential risk reduction. Planned, designed, and implemented the Go Green initiative, which significantly improved business process while diminishing 3.5% company expenses. Led the development of the Cleveland Customer Satisfaction pilot for "Make It Ri ght," enhancing the customer survey and quality results by 22% in 2007.

Mike A. Sewalk Page Two Loan Loss/Risk Manager / Senior Personal Banking Officer 2002-2005 Conducted thorough analysis and review of data in the overall phase of delinquen cy stage, which boosted productivity rates by 9.5% and collection rates by 18% i n 2005 while minimizing loss loan. Effectively trained and mentored a team compo sed of up to 20 associates resulting in the consistent achievement of the Busine ss Leader honors for 20 out of 29 months and breaking of all time collection rec ord in 2005. Key Accomplishments: Conferred with the 2004 Outstanding Manager Performance Award for superior sales and quality performance out of 150 managers in the division. Honored as Top Performing Manager in 2003 out of 125 managers. Recipient of the 2002 MBNA Precept Award for demonstrating the company values an d leadership. Telemarketing Manager / Personal Banking Officer 2001-2002 Spearheaded the recruitment process for the department by organizing events at c olleges and trade fairs targeting the right applicants, which resulted in 7% tur nover reduction. Drove efforts of 25-36 representatives in maximizing account pr oduction specializing on total customer satisfaction. Studied, researched, and c arried out the overall operations of a telesales vender in New Philadelphia, Ohi o for 30 days, which led to improvement of sales by 32%. Key Accomplishments: Initiated the enhancement of profitability and market penetration by 18% through strategic creation of calling lists for the entire Cleveland Department. Significantly contributed and involved in instituting a Collections Task Force o f 42 people in support of business needs, resulting in additional $3.5M collecti on in the fourth quarter of 2001. Successfully obtained the top performing sales team across the department for 12 out of 18 months. Acquired the Top 10 Sales Manager honors out of 185 managers in the division wit hin five months. Additional Experience Bank of America / MBNA America Bank * Beachwood, OH Loan Loss / Risk Assistant Manager 2000-2001 Loan Loss / Risk Account Manager I, II, III 1998-2000 Education Bachelor of Business Administration in Marketing