John A. Guistwhite Jr.

3303 Edgmont Avenue Brookhaven, PA 19015

Phone 610 800 2870 E-mail jga74f2e@westpost.net
Executive Summary: Financial Services/ Mortgage/Professional with over 20 years
in the industry. Significant experience in Project Management, Business Process
Re-Engineering, Strategic Planning, Mergers & Acquisition Planning and Integrati
on, Management Reporting, Product, Customer and Organizational Profitability. Sp
ecific Business Line experience in Default and Loss Mitigation Management, Finan
ce, Retail, Credit Card, Commercial, Real Estate and Mortgage Banking. An excel
lent Manager/Coach, Leader, Visionary, Problem Solver, Change and Issue Manage
r, Entrepreneur and Results Orientated individual. Certified Project Manager, Si
x Sigma Black Belt.
Financial Services Professional Consulting Principal- Philadelphia, PA Jan 07
to Present
* Provide Project Management leadership and planning for major Technology and F
inancial Services Companies
* Direct and manage large scale merger & acquisition integration engagements
* Engagements included; Default Management, Sales Force Transformation for miti
gating losses and identifying and penetrating new markets for a Mortgage Origina
tion and Servicing Company of over 3000 FTE's.
* Managed and directed a national implementation of a Consumer Loan Origination
System.
* Clients included: JP Morgan Chase, BoA, PNC, Wachovia
New Century Financial VP-Enterprise Program Manager, Irvine, CA July 03 to Jan
07
* Managed and directed large scale strategic initiatives. Project teams ranged f
rom 10 to 200
* Implemented a comprehensive credit management system, a national consumer loa
n origination system (LOS) and consolidation of fulfillment and sales centers.
* Lead a Process Improvement Project for the entire loan deliver process
* New Century was a full service national Prime and Sub-Prime Mortgage Company.
Washington Mutual-First Vice President- Chatsworth, CA March 02 to April 03
Strategic Projects & Initiatives -Project Management Office (PMO)
* Managed a PMO of over 40 project management professionals.
* Directed the Project Management support to all strategic projects and initiati
ves for the Service Delivery Business Unit. Ranging from $50K to 5M
* The Unit consisted of Loan Production, Loan Servicing, and Consumer Direct Ori
ginations (Call Center/Internet).
* Developed concept proposals, business case justifications, and project plans.
* Developed issue, risk, change management, financial management and status repo
rting policies and procedures.
* Projects ranged from Accounting and Finance Reporting and Controls, Site Migra
tions, New Product Implementation, Process Re-Engineering, Mergers & Acquisition
Integration, Sales Force Transformation, Outsourcing and In Sourcing, and Syste
ms Integration and Implementation.
PricewaterhouseCoopers (PwC) -New York, New York March 97 to May 01
Director- Management Consulting, Financial Services Practice
Marketed, developed, and managed Management Consulting Services to the Financial
Services Industry: The practice consisted of over 50 consultants with yearly re
venues in excess of $10M
Mortgage Banking & Consumer Finance: Associates Dallas TX(Curently Citi Group)
* Managed a multi disciplined team of functional and industry professionals to s
upport an enterprise-wide Organization Efficiency Maximization Initiative for ov
er 5 Fortune 500 Companies.
* Directed a team of 10 PwC consultants and 15 client staff to evaluate and anal
yze the sales, product pricing, marketing, processing, delivery and servicing fo
r unsecured and secured consumer lending, prime and sub prime mortgage lending p
roducts.
* Major recommendations were made and accepted to organizational structure, busi
ness processes, product composition and alternative delivery channels.
Consumer Finance- Fleet Bank Boston MA
* Lead a large team 25-35 of cross functional professionals to identify and impl
ement process improvements and improve internal controls.
* The team identified and implemented over 20% cost reduction and 10% revenue en
hancements
E-Commerce: CIBC Toronto Canada
* Directed a team of 5 PwC consultants and 20 Client staff in the Business Desig
n Modeling for a new E-Commerce Banking Venture for CIBC.
* The venture consisted of creating a virtual banking system in the United Stat
es.
* The business passed all regulatory requirements on time and the business was s
uccessfully launched 2 months ahead of schedule.
Strategic & Business Budgeting & Planning: National Australian Bank (NAB) Melbou
rne Australia
* Directed and managed a multi-national team of over 20 PwC consultants and 15 C
lient staff in a Global Business Process and Technology Re-engineering engagemen
t for National Australian Bank (NAB)
* Global Strategic & Business Budgeting & Planning processes were re-engineered
to improve capital allocation and operating investment strategy.
* Reduced the budgeting and planning process from 7 months to 4 months saving ap
proximately over $5M.
Management Reporting-Dash Board-SOX:Quick & Reily New York New York
* Directed a team of 3 PwC consultants in a strategic and tactical review of Qu
ick&Reily's
management reporting process and methodologies.
* Validated management accounting policies including funds transfer pricing, act
ivity based costing & revenue allocations, capital allocations, A/L and loan los
s reserve.
* Reviewed the business processes and technology used to support management repo
rting and budgeting and planning.
* Major changes in allocation methodologies and system and reporting streamlinin
g opportunities were implemented.
Merger & Acquisition Strategy & Integration:Westpac-Bank of Melbourne Sydney Aus
tralia:
* Managed a large team of 15 PwC consultants and 150 Client staff in the strateg
ic and tactical execution of the acquisition and integration of Westpac and Bank
of Melbourne Australia.
* Designed and implemented a fully integrated Project Management Office (PMO)
* Developed the detailed specifications for a virtual project management capabil
ity for over 160 simultaneous projects.
* Designed and developed a Project Management Training Program
* Conducted Project Management Training for over 100 client personal
* Developed cost justification, status reporting, and issue, risk and change man
agement processes.

Merger & Acquisition Strategy & Integration: Mercantile Bank & Trust Baltimore M
aryland
* Directed a team of 5 PwC consultants and 7-10 client staff in the strategic a
nd tactical consolidation of Mercantile Bank's Holding Company's 22 affiliates
* Re-designed and implemented process flows, staffing levels, service level agre
ements and performance measurements for each function.
* Consolidated Credit Card, Mortgage Banking, Consumer Lending, Treasury, Deposi
t Operations, Purchasing, Finance, and Wire Transfer functions.
The Marquis Group- Marlton, New Jersey February 95 to March 97
CEO & Partner - Mortgage Origination Outsourcing
* Developed the Business, Operational, System, and Financial Infrastructure Plan
s and Processes
* Developed and marketed the Company's services to our target Banks
* Presented the Company's services to over 60 Bank Presidents and Board of Direc
tors
* Managed all aspects of the Company
* The Marquis Group was a start-up Mortgage Origination Outsourcing Company for
Banks and Financial Services Institutions.
* The Company provided a turnkey option for client banks to utilize the Company'
s services as an alternative or supplement to the Bank's mortgage origination bu
siness.
* Services included direct and indirect marketing, solicitation, origination, p
rocessing, underwriting, pricing, closing, and secondary marketing.
* The Company's production grew from $1M to $30M a month in 1997 and from 7 emp
loyees to 130.
Meridian Bancorp, Inc. - Reading, Pennsylvania November 92 to February 95
SVP - Management Reporting /Shareholder Value Analysis & Merger & Acquisitions
* Managed, developed and implemented the Company's management accounting reporti
ng system for organizational, product and customer profitability reporting.
* Developed and implemented all costing and revenue allocations, capital and lo
an loss provision and funds transfer pricing methodologies.
* Managed the acquisition, evaluation, pricing and bidding activities in 4 majo
r acquisitions.
Coopers & Lybrand, - Philadelphia, Pennsylvania June 88 to October 92
Manager- Management Consulting Services- Mortgage Banking & Financial Services
Management Reporting Mellon Bank Pittsburgh Pennsylvania
* Managed and conducted an Enterprise-Wide Profitability Reporting and performan
ce measurement analysis
* Validated and analyzed management accounting policies for funds transfer prici
ng, cost & revenue allocations, capital allocations and loan loss reserve.
* Analyzed and redesigned the system interfaces and functionality between the le
gacy systems, profitability system and the general ledger.
* Major improvements were achieved in improving the quality of information and t
he reduction of run time and CPU usage.
Business Process Re-engineering: Meridian Bank Reading Pennsylvania
Conducted numerous business process re-engineering and cost reduction initiative
s utilizing C&L's Break Through Business Process Re-engineering" proprietary me
thodology in a wide range of community and super regional financial services ins
titutions.
KPMG Peat Marwick - Philadelphia, Pennsylvania June 86 to May 88
Management Consultant
Business Process Re-engineering Meritor Bank Philadelphia Pennsylvania
Conducted numerous process improvement projects in the Mortgage, Retail and Comm
ercial Banking businesses.
Trained in the Firm's proprietary productivity improvement methodology "PEAT"
Education
MBA Program Finance- Rutgers University
BS Industrial Engineering- Southern Illinois University -1986