Jack Neal 614-257-7181 Functional Summary I have twenty two years experience in several aspects of business finance including

sales and collection experience in business banking, mortgage, foreclosure, auto loans & leases and credit cards. As a collector I wo uld handle on an average of 15 to 20 calls per hour. I have worked collaborative ly with law firms as a qualified witness for the Huntington Bank and have traine d other litigation specialist as well. As a senior adjustor in the Liquidation a nd Recovery in the Liquidation & Recovery Department I was put in charge to hand le any problems while management was away. Special Training Well versed in Fair Debt Collection Practices Act and collectio n law. Previous licenses held: Real Estate, Insurance Property & Casualty Health & Life. Securities Series 6.Functional Summary I have twenty two years experien ce in several aspects of business finance including sales and collection experie nce in business banking, mortgage, foreclosure, auto loans & leases and credit c ards. As a collector I would handle on an average of 15 to 20 calls per hour. I have worked collaboratively with law firms as a qualified witness for the Huntin gton Bank and have trained other litigation specialist as well. As a senior adju stor in the Liquidation and Recovery in the Liquidation & Recovery Department I was put in charge to handle any problems while management was away. Special Training Well versed in Fair Debt Collection Practices Act and collectio n law. Previous licenses held: Real Estate, Insurance Property & Casualty Health & Life. Securities Series 6.Jack Neal Resume Huntington Bank Special Assets R epresentative Business Banking March/2009 to August/2010 ** Contacted business owners past due on loans made pay arrangements ** Made sur e that misapplied payments were corrected ** Worked in cooperation with banking officers to make them aware of problems Litigation Specialist Consumer Lending November/2004 to March/2009 ** Worked in cooperation with legal counsel to plan strategy to collect the debt owed. ** Reviewed documents for accuracy to be presented to the court. ** Appear in court as a witness for the bank. Trained new employees to be a wit ness. ** Recovery of 1.5 million to 2 million dollars per year. Liquidation & Recove ry Department Collector March/2003 to November/2004 ** I was assigned worst of the worst D credit portfolio charge off accounts alre ady worked by recovery collections. ** 11 consecutive months recovered over 60,000.00 goal a department record. ** P romoted to senior collector train employees and take over when supervisor is off work. Midrange Collector Consumer Lending September 2001 to March 2003 ** Collection of auto loans and leases that are 60 to 120 days past due. ** The goal was to prevent charge off. I exceeded department standards. Personal Credit Line Department March 1999 to September 2001 ** Collection on credit line secured by Real Estate exceeded Department standar ds. ** Pre charge off collection of unsecured credit line exceeded goal 10 month s in a row. ** Promoted to foreclosure department. Reviewed appraisals and made referral to attorneys. Credit Card Collection Department September 1998 to March 1999 ** Collection of credit card accounts past due exceeded Department standards. Mu lti-Fund Mortgage October 1997 to September 1998 ** Loan officer: phone solicitation sales, package loan for underwriting & set c losing appointments. Tailored Management / Bank One November 1995 to October 1997 ** Contract employee to collect on past due credit card, auto loan & auto lease s. Ohio Student Aid Commission October 1989 to November 2005 ** Collection of past due student loans Limited credit services June 1988 to October 1989

** Collection of past due credit card debt. Common Wealth Insurance July 1986 to June 1988 ** Insurance Agent: Life & Health, Property & Casualty and Series 6 Licenses ** Phone solicitation and sales.