Joe Graf

Background

About Joe Graf

Old Second National Bank (current employer): VP, Senior Loan Officer – National Specialty Lending (NSL), with a focus on underwriting collector cars nationally and manufactured home loans in 22 states. Evergreen Bank Group (prior employer to July 25, when merged with Old Second): Indirect consumer loan professional with extensive experience. Successfully diversified our consumer loan portfolio with higher-yielding loans and minimal delinquencies. Talented underwriter with a focus on: classic & collector car loans (through auction partners), indirect manufactured homes (with no delinquency), and HELOCs. I possess a deep understanding of loan regulations, and I am skilled in establishing strong relationships with our partners and within my team. I take great pride in being dedicated to our company and leveraging my knowledge and other skills to drive revenue. Prior employment (South Central Bank, NA): Part owner/shareholder. Senior Loan Executive & Indirect Sales Manager with extensive professional experience providing leadership that drives growth in the indirect home improvement loan business through a combination of relationship management, business integrity, and team development. Proven loan operations manager and sales leader with a progressive track record of producing profitable margins within a highly specialized product line, successfully navigating contractor negotiations to enhance financing opportunities that exceed customer needs and expectations. Calculated lending specialist leveraging experience with numerous regulatory compliance requirements to manage a diverse range of portfolios. Areas of Expertise: Consumer Lending & Credit Indirect Home Improvement lending Business Development Loan Automation Revenue Growth Relationships Management Team Management & Training Contractor Negotiation Portfolio Diversification Business Integrity