HOWARD S.

ELKIN
5503 Manor Drive
Peekskill, New York, 10566
Tel: 1-914-293-7167
Cell: 770-312-1944
E-mail: headcab7@westpost.net
Professional Profile:
President/CEO, Rutgers Federal Credit Union
After rewriting all credit union policies and procedures, coupled with red
ucing annual operating
expenses by $300k, developing internal staff expertise, reviewing and modi
fying all contracts and
agreements, and positioning Rutgers FCU for growth consistent with its FO
M Charter, the Credit
Union is now a viable competitor in the New Jersey credit union market.

Vice President, Private & Professional Banking, The Park Avenue Bank
This position represented PAB's entry into high net worth banking. During
my tenure, I developed an unsecured lending "matrix" for physicians, attorneys,
and other professional designations. In a difficult economic environment in Ge
orgia, I brought in approximately $5MM in deposits and loans during my first yea
r.
Vice President, Senior Mgr., Private Banking, First Nation Bank/Bank of North Ge
orgia
While transitioning Physicians to FNB, I also designed a Private Client Service
program for the bank. Shortly thereafter, I was requested to pursue commercial
loans, as construction lending began to deteriorate. During the course of 2007,
I brought in approximately $10MM in loans and deposits, with the additional res
ponsibility of "overriding" all retail loans for the bank. In October, 2007, I
was asked to additionally manage the Eagles Landing Bank Office.
Vice President, Manager, Professional & Executive Group, Midtown Bank
Since joining Midtown Bank in 2005, my loan portfolio and pipeline had grown to
approximately $20+ million. This was accomplished through working with and prov
iding high profile customers with all forms of deposit account programs and serv
ices as well as various commercial/ business/construction loans appropriate to t
heir borrowing needs. My goals for 2006 were $5MM of loan production per quarte
r ($20MM/yr) and $1.5MM in deposit growth per quarter ($6MM/yr). I had also dev
eloped the Professional & Executive package of programs and services which is a
highly specialized package of benefits for customers meeting certain income/net
worth/designation criteria.
Professional & Executive Account Manager, RBC Centura Bank
Having the distinction of participating in a "pilot program" for Royal Bank of C
anada under the supervision of the Dean of Graduate Studies at Columbia Universi
ty gave me an insight which has resulted in vast productivity enhancements. Thi
s "cutting edge" approach to creating value added to affluent customer relations
hips brought about an entirely new perspective when in a business acquisition mo
de. High net worth customers continued to express their preference for relation
ship banking through a "one point of contact" provided by private, full service
relationship bankers. It is this experience that I focused my attention, with th
e "gold standard" of generating $1MM of mixed business each month. Emphasis was
placed upon multi-physician, dentistry and attorney practices. I was Series 6
& 63 proficient, and was "marketed" as providing effective value propositions th
roughout a customer's financial lifecycle.
President/CEO, Southeast Florida Credit Union
Prior to the merger of Southeast Florida Credit Union with IBM Southeast Employe
es' Federal Credit Union, I had directed Southeast Florida from its infancy into
a CAMEL '1", five (5) star rated financial institution. In my twenty-(20) yea
rs as CEO/Treasurer, Southeast Florida became a model of accomplishment for its
level of success as a relatively small, highly competitive, full service financi
al institution competing in a difficult environment. Our equity, earnings and l
oan quality rivaled that of single employer group credit unions- a considerable
challenge when considering our field of membership was primarily comprised of ov
er 100 diverse companies from within a rapidly declining manufacturing community
. Our goals and objectives consistently remained to provide exceptional service
to our members while always focusing on sound management and a solid control of
each element on both sides of the balance sheet.
Career Experience:
President/CEO- Rutgers Federal Credit Union
Aug. 2009 - Jun. 2010
Vice President, Private & Professional Banking - Park Avenue Bank Mar. 2008 - M
ay 2009
Vice President, Senior Mgr., Private Banking - First Nation Bank/BNG Sept. 2006
- Feb. 2008
Vice President, Mgr., Professional/Executive Group - Midtown Bank Jan. 2005 -
Sept. 2006
Professional & Executive Acct. Mgr. - RBC Centura Bank Nov. 2003 - Jan. 2005
Senior VP - IBM Southeast Employees' Federal C.U. (Interim) July 2002 - Dec. 2
002
President-CEO/Treasurer - Southeast Florida C.U. May 1982 - July 2002
Job Description:
President/CEO, Rutgers Federal Credit Union
As Chief Executive Officer, oversee and direct the activities needed to gr
ow the Credit Union
while ensuring its financial stability. Responsibilities also include pla
nning and directing all Credit
Union activities in accordance with the policies established by the Board
of Directors. Budgeting,
Investments, Strategic Planning and Compliance were areas of focus during
the year.
President/CEO, Southeast Florida Credit Union
As Chief Executive Officer, administer or assist in the formulation of the polic
ies, procedures, programs, services, fees, interest rates, budgets and the overa
ll supervision of the Credit Union. Adhere to the Credit Union's By-laws, State
Statutes and Federal Regulations. Oversee and monitor the Strategic Plan of the
Credit Union as adopted by the Board of Directors.
Functional Expertise as President/Southeast Florida Credit Union:
* General Ledger * Month-end Close
* Strategic Planning * Personnel Administration
* Corporate Budgeting * Financial Reporting
* Long/Short Range Forecasting * Statistical Analysis
* Policy Formation * State/Federal Statutes
* Investments
* Vendor Contracts /Agreements
* Corporate Filings * Facilities Management
* Compliance/Security * Capital Equipment/IT
* Internal Controls/Audit procedures * Business Community Leader
* Legal Drafting/Review * Political Advocacy

Other Professional/Civic Activities:

Henry Medical Center Foundation Advisory Board 2008 - 2009
Eagle's Landing Country Club Board of Directors 2008 - 2009
Eagles Nest Community Association- President 2006 - 2008
Henry Council for Quality Growth 2004 - 2005, 2008
Henry County Chamber of Commerce 2003 - 2004, 2008
Flippen Elementary School Partners in Excellence 2003 - 2004
Eagle's Landing High School Council- Vice Chairman/Chairman 2004 - 2005
Eagle's Landing Country Club- Security Committee 2004 - 2005
Broward County Chapter Director-Florida Credit Union League 1983 - 1999
President, 1988 - 1990
Vice President, 1984 - 1985
Florida Credit Union League Board of Directors 1990 - 1992
Florida Credit Union League Board Secretary 1991
Military:
U.S. Army Reserve-Honorable Discharge

References provided upon request