JOSEPH A.

GOLDKAMP
91 Boston Street, Somerville, MA 02143
Tel. 339-227-7911 e-mail: jgdb554e@westpost.net

SUMMARY
Professional Banking Officer with over 10 years experience managing in commercia
l banking and in leading project teams for quality enhancements to achieve objec
tives. Responsible, articulate, and able to negotiate for change in a positive,
collaborative manner to advance value based service goals.

KEY ACCOMPLISHMENTS
Commercial Bank Credit Risk Manager:
* Credit analysis and loan judgment: Chaired credit approval committees. Managed
loan structuring and credit relationships with bank borrowers. Determined appro
priate risk ratings.
* Project management: Designed and managed effective credit review projects to a
ssess commercial bank lending departments. Supervised teams of loan examiners te
sting the quality of loan administration. Generated senior-level evaluations, wi
th recommendations for credit controls that were successfully implemented.
* Determined underwriting provisions of loan agreements: Reviewed loan arrangeme
nts with loan officers prior to loan approval. Proposed enhancements to improve
loan structure and performance. Participated in management of deteriorating cred
its to provide protection of bank interests.
* General manager: Developed and trained lending officers, trainees, field audit
ors, and lending operations staff. Supervised field auditors in evaluating inter
nal accounting controls of borrowers. Managed daily operations of asset based le
nding groups. Managed and motivated groups of up to 30 employees. Engaged servic
es of outside vendors.

Community Volunteer Service:

* Board President, New England Fellowship, Inc: Helped guide strategic planning
and implementation for New England Fellowship, a rapidly growing agency providin
g treatment, housing, and long-term special needs services for people and famili
es dealing with mental illnesses. Provided progressive volunteer service as trea
surer, and later as head of the board, to guide organizational development, assu
re high quality programs and initiatives, and motivate board participation. In a
ddition to strategic planning, participated in processes to evaluate requests fo
r service contract proposals, financial management, facilities acquisition decis
ions, funding development, and quality assurance in programs.

PROFESSIONAL EXPERIENCE:

2007- Present Mental Health Provider, Arbor Associates, Inc.

Boston, MA
 Provides variety of temporary support for human service agencies.

2003 - 2007 Supervisor of Support Staff, CASPAR, Inc.

Somerville, MA
Directly assisted program director in a wide range of management activities. O
versaw management teams to maintain quality standards in a men's addiction treat
ment program. Assured proper handling of more complex conflict resolution in ac
cordance with policy objectives. Working proficiency with Microsoft Word, Excel
, Access, and PowerPoint.

2000-2003 Financial Advisor, JAG Financial Advisory Services Glaston

bury, CT
Provided financial management services to assist individuals.

1991-2000 Vice President-Credit Review, Fleet Financial Group Providence

, RI and Hartford, CT
Headed reviews of departments managing complex commercial and consumer portfolio
s to assess quality of credit risk management and to make constructive recommend
ations.

1986 -1990 Head of Credit Administration, Rhode Island Hospital Trust Bank
Providence, RI
Head of divisional credit approval committee. Managed daily operations of asset
based lending group. Developed credit lending skills of junior officers. Superv
ised
field auditors. Managed individual credit relationships with customers. Key con
tact
with attorneys in developing loan documentation in accordance with conditions o
f
loan approval.

EDUCATION:
Harvard Business School, Boston, MA
MBA in Finance
Princeton University, Princeton, NJ
B.A in American History