1. CHRISTINE M. GUMULAK
www.linkin.com/christinegumulak
gum.christine@gmail.com 716-480-6802
PROFESSIONAL SUMMARY
Banking professional with 25 years of progressive commercial and accounting experience in developing,
implementing and directing policies and systems that drives improvement in organizational culture, employee
performance and operating results.
PROFESSIONAL EXPERIENCE
ARBOR COMMERCIAL MORTGAGE, Depew, New York 2015-Present
A national direct lender specializing in the origination of debt financing and servicing for multifamily and other diverse
commercial real estate assets. ACM is a Top 10 Fannie Mae DUS Multifamily Lender and named Fannie Mae’s Top
Loan Lender in 2015
Structured Analyst-Investor Reporting and Accounting
 Reconciliation Project Hired on as a Temporary Employee in April 2015 to assist with a project to balance
checking accounts after system conversion in November 2014
 Hired from Temporary Employee to permanent employee in May 2015 to current position
 Arbor closed most loans in history ofcompany in 2015, 200 over 2014
 Service a portfolio ofadjustable rate commercial mortgages consisting of Fannie Mae, Freddie Mac and
Structured Portfolio of 250 loans including remitting reports and funds to investors, set up of new loans
and participation loans including document review, oversee and implement monthly LIBOR interest rate
changes to system, servicing functions including monthly invoicing, payment application, system review,
reconciliation of checking accounts
FIRST NIAGARA BANK (Lockport Savings Bank), Buffalo, New York 1999-2014
Top 25 bank with 410 branchesin 5 statesand 38 billion in assetsand 28 billion in deposits
Commercial Loan Servicing GroupLeader-Loan Reconciliation (2004-2014)
Managed a team of individuals specializing in the reconciliation of the commercial loan system to the general
ledger of the bank and its financial statements.
 Provided guidance and leadership to a team in the coordinating of all accounting functions within the
Commercial Division for 40,000 loans and 4,000 general ledger accounts across two commercial banking
systems
 Served on project teams for 7 merger/acquisitions of other banking institutions
 Participated on project team to implement new commercial loan system, involving initial review, design,
procedures and converting of bank’s commercial loans
 Developed and implemented conversion of general ledger accounts to new auto-reconcile system

2. Christine M. Gumulak Page 2
 Implemented Sarbanes-Oxley (SOX) development and procedures in accordance with regulations in
conjunction with the bank’s financial statements
PROFESSIONAL EXPERIENCE (Continued)
 Coordinated Other RealEstate (ORE) processing for commercial portfolio
 Established reporting directives for charged off loans and loan loss allowances
 Received recognition and monetary award for successfully establishing REIT subsidiary to allow the bank
to take part in tax incentives
Administrative Assistant-Commercial Lending (1999-2004)
Provide assistance to the Senior Vice President and Department Manager of Commercial Lending as well as
assisting a staff of 50+ employees
 Established and coordinated Non-Sufficient Funds (NSF) and Automated Clearing House (ACH) review
on a daily basis with Relationship Managers
 Maintained expense budget for office supplies within department
 Completion and distribution of monthly Board of Directors package
 Set up and maintained a Credit File system
 Initiated the funding process for tax credit transactions
KEYBANK NATIONAL ASSOCIATION, Buffalo, New York 1990-1999
Top banking institution headquartered in Cleveland,Ohio with 89.8 billion in assets
Administrative Assistant-Commercial Lending (1992-1999)
Provide assistance to the District Manager of the Western Region Commercial Lending Department as well as
assisting a staff of 5 employees
 Completing and submitting payroll
 Maintained expense budget for office supplies within department
 Set up and maintained a Credit File system
 Coordinated Non-Sufficient Funds (NSF) and Automated Clearing House (ACH) review on a daily basis
with Relationship Managers
 Completion and distribution of Committee Approval package
 Initiated the funding process for tax credit transactions
Senior Check Encoding Specialist, Item Processing (1990-1992)
 Distribution of workload
 Encoding information on items to ensure timely distribution to accounts
 Participated in competition and won monetary award and trip to Salt Lake City, Utah

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EDUCATION
Center for Training (American Institute of Banking), Buffalo, New York
Erie Community College, Buffalo, New York
Villa Maria Academy, Buffalo, New York
COMPUTER/BANKING SYSTEMS
Windows Office Products Miser/Zeus Bank System
Microsoft Office Products AFS Bank System
Advanced Commercial Banking System (ACBS)
Midland Enterprise Servicing System