JOHN MALONEY 30122 Penelope Lane Dallas, TX 95121 Home: 651.452.4157         Email: jmaloney@hotmail.com        Cell: 612.453.0443   EXECUTIVE PROFILE US & Asia SE Operations   Dynamic leadership career combining both general and financial management within highly competitive organizations, industries and markets.  Outstanding presentation, communication and cross-cultural team management skills.  Entrepreneurial attitude, energy and style.  Rapid promotion to positions of increasing responsibility. MBA degree, B.S. Statistics and Mathematics and Bachelors in Business Administration.   SUMMARY   Business Reengineering / Multi-Site Operations Management / Benchmarking / Crisis Communications / Leadership Development / Cross-Functional Team Leadership / P&L Management / Proactive Leadership / Executive Management / Corporate Culture Change Team Building / Technology Initiatives / Turnaround Management     PROFESSIONAL CORPORATE EXPERIENCE   Regional Manager Karachi (East) Commercial Banking Group (South) 2002 JUNCTION BANK LTD., KARACHI, PAKISTAN    Directed P&L, marketing, budgeting, planning and branch operations functions for 28 branches of this multinational bank.   Annual company revenues of $70 million dollars, 14,000 employees, 1296 branches, 5 countries. Managed credit portfolio of $21 million, non-fund based portfolio of $43 million Supervised direct staff of 250: 50 executives, 110 officers, 90 clerical Dealt with key commercial accounts to include: Phillips Electrical, Sanyo Electric, Nova Disk Grew market share by 5% increasing liability portfolio by 8% and assets by 10% Participated in initiating new market development that accelerated growth by $3.8 million Developed and implemented a new work-flow process that resulted in company- wide acceptance, substantial savings in time for customers and staff Led an aggressive technology program to develop custom software that was accepted by management for system-wide implementation Resolved staffing challenges by improving work-flow, re-distributing staff, decreasing overall labor costs Pioneered the design, development and market launch of advanced technology for both information and telecommunications applications  Vice President / Regional Head Priority Banking 2000 – 2002   Supervised Regional operations with 13 branches throughout Pakistan, annual revenues of $5 million, P&L management.  Disciplines: finance, marketing, personnel administration. Appointed Executive with full responsibility for Region in the absence of General Manager Credited as first Regional Manager to offer corporate “Priority Culture” change for VIP’s resulting in 69% increase in credit, 100% increase in deposits, 22% increase in net profits and 200% in client base Developed and introduced the only management training program to implement “Priority Culture” changes Downsized annual costs by 12% by initiating new work-flow processes, reduction in staff Achieved 200% growth in revenue through phenomenal growth of incremental account base Pioneered the computerization of a product resulting in decreasing staff by 50%   JUNCTION BANK LTD., KARACHI, PAKISTAN (Continued)   Vice President / Regional Head Priority Banking 2000 – 2002 (Continued) Introduced PC’s to this entire Region and trained staff in use of same Designed a new video training program to demonstrate needed improvements Introduced employee incentive programs to strengthen productivity  Assistant Vice President / Chief Manager Meara (corporate) Main Branch – 1998 – 2000   Corporate Branch with 42 personnel, revenues of $1 million, P&L responsibility. Boosted letter of credit and guaranty business by 300%, increased deposits by 20%, profits increase of 50%, and 35% increase in credit (advances) Involved in landing a new account increasing share from $50,000 to $6 million Slashed human resource costs by 11% by adding key staff, improving overall work-flow Invited to participate in brainstorming sessions every 2 weeks with Bank Senior Executives Achieved turn-around of this branch within 4 months by computerization, staffing initiatives, customer service Assistant Vice President / Chief Manager Direa Center Star Branch 1995 – 1998   Supervised general banking, credit and foreign exchange departments, 12 personnel. Finance, marketing disciplines. Increased revenues by 250% and deposit base by 200% through dynamic marketing efforts Handled P&L responsibilities for this entire operation Managed operating and capital budgets and reduced human resources costs 20% Introduced PC based reporting methods that resulted in acceptance by management Reengineered this branch and grew to Star Branch status within 2 years Officer Grade I / Sub-Manager Meara Branch 1/1994 – 1995 Officer Grade I / Assistant Manager Credit and Marketing 1992 – 12/1993 Officer Grade I / Management Training Officer 1992 Treasury Manager COMMERCIAL BANK, Karachi, Pakistan 1991 - 1992 Financial Representative LOS ANGELES SAVINGS LTD., Los Angeles, California USA 1990 - 1991   ENTREPRENEURIAL BACKGROUND   Vice President / Working Partner   USA BANK LIMITED – Dallas, Texas USA 2002 – Present   Start-Up Car Sales and Rental company (2 years old) , with annual revenues of $800,000, 6 employees, 2 locations in Texas.  Report directly to shareholders.  Supervise 3 Company Officers. Initiated company diversification and led company through accelerated growth of 7% Spearheaded the computerization of the company invoicing process resulting in significant time savings   Resolved major money problems by negotiating the initial bank credit line of $300,000 Increased company sales by 20% in one location with start-up of a new program Trimmed annual budgets by 30% by cutting labor and operations costs  EDUCATION   MBA – Southern New Hampshire University, Manchester, New Hampshire USA 1990 (Concentration in Advanced Financial Management, Production and Operational Management, Fiscal and Monetary Policy and Marketing Strategies) Bachelor of Science - University of Punjab, Lahore, Pakistan 1986 Statistics and Mathematics Bachelor of Commerce – Karachi University, Karachi, Pakistan 1987 Business Administration