Randall R. Kennedy has over 30 years of experience in financial services and banking, including roles in branch management, commercial lending, and loan workout. He currently serves as Senior Vice President of the Managed Assets Department at Oneida Savings Bank, where he manages collections, workouts, and liquidations. Previously, he held positions including Vice President of Mortgage Lending and Branch Administration, where he exceeded goals for loan originations and deposits. He has a Bachelor's degree in Business Administration from SUNY Institute of Technology at Utica/Rome and has attended numerous lending seminars.

1. Randall R. Kennedy
1357 Middle Rd Oneida, N.Y. 13421
Rkennedy003@gmail.com
315-264-0942
Summary of Qualifications
More than 30 years of diverse financial and banking experience including branch management
and administration; consumer, mortgage and commercial lending. Exceptional ability to analyze
financial statements and business conditions. Positions included Compliance and CRA Officer
while functioning as the Branch Administrator and Head of the Managed Asset Department for
loan workout, foreclosures and bankruptcies. Demonstrated talent for effectively working with
customers in difficult situations resulting in minimal loss to the bank.
Professional Experience
Oneida Savings Bank
Senior Vice President, Managed Assets Department
September 1996 – Present
 Manage the collections and workout process, including loss mitigation and liquidation efforts,
for commercial, mortgage and consumer loans.
 Cultivate strong relationships with business partners, including lenders and others, to
minimize delinquencies and charge offs.
 Percentage of delinquencies and charge offs were consistently well below peer group averages
the last ten years.
 Primary contact and lead person for commercial loans that were criticized and/or determining
workouts. This includes analyzing financial statements, tax returns and other loan documents.
 Administrate bankruptcies and foreclosures finding the most effective and viable solution.
 Served as Security Officer developing and maintaining strong relationships with several law
enforcement agencies on fraud and other investigations.
 Lead Account Officer on several commercial and business banking relationships.
 Continuously reviewing federal and state regulations and staying updated on secondary market
requirements as they pertain to the department’s responsibilities.
 Analyze loan loss reserve, trend analysis, and criticized loans, and present reports monthly to the
Board of Directors.
Oneida Savings Bank
Vice President & Senior Mortgage Officer
January 1993 – September 1996
 Performed duties as Head of the Mortgage and Consumer Lending Departments including all
originations, underwriting, processing and approvals.
 Worked with commercial customers on their lending and deposit requirements.
 Exceeded established goals of the department each year.
 Established efficiencies throughout the department to improve customer service and productivity.

2. Randall R. Kennedy
Oneida Savings Bank
Vice President & Branch Administrator
July 1988 – January 1993
 Oversaw the administration of all branches.
 Promoted bank products and services.
 Originated, underwrote and approved consumer, mortgage and commercial loans.
 Served as the Compliance and CRA Officer.
Oneida Savings Bank
Assistant Vice President & Branch Manager
June 1983-July 1988
 Managed all operations at the Cazenovia Office and performed lending functions including
applications, processing and approvals.
 Actively engaged in promoting bank products and services.
 Increased loan portfolio over 400% and deposits by 100%.
Education
Bachelors of Science Degree in Business Administration Summa Cum Laude
SUNY Institute of Technology at Utica/Rome 2000
Attended several commercial and consumer lending schools and seminars.
References
Michael R. Kallet: Chairman & CEO, Oneida Savings Bank
Eric E. Stickels: President, Oneida Savings Bank
John E. Madden: President, John Madden Sales, Inc.
Amanda C. Shaw, Esquire: President, Riehlman, Shafer and Shaw, LLC
Honorable Donald F. Cerio: Acting Supreme Court Justice