Michael D. Prather
3321 Cotten Road
 Raleigh, NC 27603
(  [Send email to request phone number] 96.9869
( 

Woodforest National Bank RALEIGH, NORTH CAROLINA
 BRANCH MANAGER 2007-present
 * All aspects of branch performance and growth, including profit and loss
management
 * Responsible for hiring, training and developing an effective branch team
 * Assure adherence to federally mandated regulations
 * Provide direction and motivation with regard to branch sales, service and
operational goals
 * Formulate, evaluate and implement plans and programs applicable to retail
sales and operations
 * Develop and cultivate strategic relationships with business partners
 * Policies, procedures and bank regulations pertaining to branch operations
 * Analyze customer's needs and assist in the selection of appropriate products
and services 

MAGNET INVESTMENT GROUP, LLC 2003-2007
 MANAGING PARTNER 
 * Purchase single-family homes for rental income
 * Arrange financing for real estate purchases

 * Oversee rehabilitation and maintenance of rental properties

MBNA AMERICA WILMINGTON, DELAWARE
INFORMATION ANALYST II 2000 - 2003
 * Oversee setup of Associate Banks to ensure correct compensation to associate
groups
 * Make changes to Associate Banks
 * Create and modify Source Codes that impact marketing campaigns

SENIOR CREDIT LINE INCREASE ANALYST 1999 - 2000
 * Analyze customer credit applications for potential credit line increases
 * Take adverse action on accounts deemed risky

SENIOR FINANCE ANALYST-CONSUMER FINANCE DIVISION 1998 - 1999
 * Analyzed credit applications for Gateway computers and other products
financed by MBNA
 * Determined credit worthiness of customers seeking unsecured loans to pay off
existing debt

CREDIT ANALYST-CREDIT CARD DIVISION 1997 - 1998
 * Analyzed credit applications for credit card loans 
 * Monitor customer accounts for potential risk

COLLECTIONS AND BANKRUPTCY PREVENTION 1995-1996
 * Make calls to delinquent customers for the purpose of debt collection
 * Arrange payment options and programs designed to help customers become
current
 * Negotiate options with customers who are considering bankruptcy

SPORTS & RECREATION GREENSBORO, NC, ET AL
 ASSISTANT MANAGER 1991-1995
 * All daily operations, including opening and closing, cash maintenance and
customer relations
 * Oversight of employee hiring, training and conflict resolution

LEARNING CREDENTIALS

BACHELOR OF SCIENCE - BUSINESS MANAGEMENT 
WILMINGTON UNIVERSITY WILMINGTON, DELAWARE