Christopher R. Kirwin
Altoona
Summary
Results-driven leader with extensive experience in banking operations, specializing in commercial lending and retail banking. Proven expertise in managing end-to-end commercial lending processes, ensuring regulatory compliance, and maintaining financial portfolios. Track record of enhancing revenue through capital improvement projects and implementing operational efficiencies. Strong skills in financial management, stakeholder engagement, and innovative problem-solving.
Overview
31
31
years of professional experience
Work History
Vice President / Commercial Banker
Jersey Shore State Bank
Altoona
08.2022 - 07.2025
- Developed and managed commercial banking relationships to fulfill financial needs of clients.
- Executed loan origination, credit analysis, and loan structuring for diverse opportunities.
- Negotiated loan terms and processed approvals in compliance with regulatory standards.
- Built strong client relationships, resulting in 25% increase in cross-selling success.
- Maintained documentation and reporting to ensure accuracy and regulatory adherence.
Senior Vice President / Commercial Banker
Reliance Bank
Altoona
01.2021 - 01.2022
- Build and nurture banking relationships for fulfillment of financial service requirements of the bank's clients.
- Establish, manage, and service commercial business alliances to achieve set financial objectives.
- Oversee internal operations, create, and execute successful strategies to ensure attainment of company's financial targets.
- Exceeded annual production by 10M through efficient implementation of strategies.
- Managed and maintained a portfolio worth $57M to optimize value.
Senior Vice President of Personal Banking
Reliance Bank
Altoona
01.2013 - 01.2021
- Oversaw end-to-end personal banking operations and delivered expert leadership for line of business and mortgage.
- Planned and devised an efficient budget process in line with long-term goals and objectives.
- Supervised daily functions, evaluated financial reports, prepared operating budgets, and presented revenue generating policies across banks to attain operational excellence.
- Supervised and monitored team of eight mortgage loan originators and one Branch Administer.
- Secured 140M+ and 115 M+ in 2020 and 2021 respectively through seamless strategic direction.
- Managed and drove substantial growth in $430M mortgage portfolio with $260M of secondary market servicing and $170M portfolio.
- Served as a sole Team leader in new Branch and market expansion, while overseeing overall retail deposit / loan growth along with bank for each budget year.
Vice President / Commercial Banker
Reliance Bank
Altoona
06.2006 - 01.2013
- Established and maintained strong partnerships with stakeholders to meet financial service needs.
- Monitored bank finances to identify opportunities for revenue maximization and cost reduction.
- Executed daily outreach to existing and potential clients, expanding business engagement.
- Achieved consistent annual production growth of 10 million.
- Managed portfolio effectively, driving annual growth rates of up to 5 percent.
- Cultivated valuable personal and business relationships to enhance bank reputation.
Vice President / Branch Administrator
Reliance Bank
Altoona
05.2000 - 06.2006
- Oversaw daily sales and operations for all branch offices, achieving personal banking goals.
- Implemented Reliance Relationship Sales Program to enhance client engagement with personal bankers and representatives.
- Developed and implemented policies to improve operational efficiency across departments.
Assistant Vice President / Consumer Loan Manager
First Commonwealth Financial Corp
Altoona
06.1994 - 05.2000
- Centralized underwriting for eleven community offices, enhancing efficiency in residential mortgage and home equity loans.
- Managed compliance documentation and laser pro processes within consumer lending department.
- Oversaw Community Reinvestment Act adherence to ensure regulatory compliance across departments.
Education
Bachelor of Science - Business Administration & Marketing
Clarion University
Clarion, PAClarion, PA
Certificate of Completion -
Central Atlantic Advance School of Banking
Wharton Leadership Certificate -
University of Pennsylvania
ABA Stonier Graduate School of Banking -
University of Pennsylvania
Skills
- Banking operations management
- Client services and satisfaction
- Revenue optimization
- Strategic planning
- Banking products and trends
- Regulatory compliance
- Database management
- Team leadership
- Cross-functional collaboration
Affiliations
- Board Chair, Bankers Settlement Services
- Board member/ President, Sunrise Rotary Club, 2006-2007
- Former Board Member/ Treasurer, Blair County Chamber/Finance Committee
- Board Member, Altoona Housing Authority
- Board Member, Blair County Drug and Alcohol Partnership
- Alumni / President of Alumni, Leadership Blair County, 2005-2006
- Committee Member, Pennsylvania Bankers / Emerging Leaders
Timeline
Vice President / Commercial Banker
Jersey Shore State Bank
08.2022 - 07.2025
Senior Vice President / Commercial Banker
Reliance Bank
01.2021 - 01.2022
Senior Vice President of Personal Banking
Reliance Bank
01.2013 - 01.2021
Vice President / Commercial Banker
Reliance Bank
06.2006 - 01.2013
Vice President / Branch Administrator
Reliance Bank
05.2000 - 06.2006
Assistant Vice President / Consumer Loan Manager
First Commonwealth Financial Corp
06.1994 - 05.2000
Bachelor of Science - Business Administration & Marketing
Clarion University
Certificate of Completion -
Central Atlantic Advance School of Banking
Wharton Leadership Certificate -
University of Pennsylvania
ABA Stonier Graduate School of Banking -
University of Pennsylvania