Brett Ayers Email & Phone Number

Us

• Manage/direct Commercial and Consumer/Retail team. The team is made up of four members. • Our responsibilities include underwriting all commercial credit opportunities that are brought to the bank. This includes making sure we have all of the information needed to underwrite and make a decision regarding the credit worthiness of the proposed borrower(s). Our team also engages in approving consumer loans such as HELOC’s, Car Loans and debt for other purposes. • Our team starting in 2023 began the process of migrating all of the commercial underwriting from Wolters Kluwer to nCino. • Execute all of the annual reviews on loan relationships over $1MM as well as designated percentages for loans between$500K and $1MM and loans under $500K. This process is designed to satisfy two things- Internal and External audit as well as produce an updated Risk Rating to gauge where our portfolio is trending from a credit quality perspective. • Engage with the relationship managers when asked to help out with a potential borrower and or in discussing aspects of commercial credit with current borrowers to provide a more complete experience for our current and potential borrowers.

Oak Ridge, Nc, Us

Stepped into the role of Chief Credit Officer after the bank had been looking for nearly a year for a CCO. Manage the credit underwriting and risk analysis team as well as perform the CRA officer duties for the bank. Partner with the loan officers at the bank in visits to prospective and current clients as requested. Achievements: • Engaged in continuing efforts streamlining the loan approval process through credit quest as a larger part of the Finastra suite of commercial loan products.• Partnered with the CEO to put on a range of alternative investments, primarily regional bank sub debt issuances with a dollar weighted rate of over 5%. • Board approved an increase in CCO lending approval limit to $4 Million within the first two months of my tenure. • Perform the duties of the banks Chief workout Officer as well as establishing a monthly CRA committee meeting.

Oak Ridge, Nc, Us

Chief Credit Officer and Chief Commercial Lending Officer- Lincoln 1st Bank was placed on consent order from the FDIC from an audit that took place four months before my arrival. Bank was engaged in monthly meetings with the FDIC as well as other regulatory bodies in the state of New Jersey. The bank had not effectively been lending commercially since January of 2020. In my first nine months executed on a brand-new commercial loan policy as well as designed a completely revamped risk rating model, policy, combined with an ROE pricing model. Documentation for underwriting was updated and improved upon. An annual review process was put in place via the new commercial loan policy as well as a standardization of required documents for a completed credit package. Tracking for all aspects of credit, annual review and new business was put in place. The FDIC returned in June 2021 for its larger annual review and our CAMELS rating improved in the two key areas needed to move our score up high enough to numerically take us off of the consent order. Asset Quality improved one whole level as did Management. If these upgrades had not occurred it was highly likely the bank would have ceased being a going concern. In July of 2021 the board of directors allowed my group to begin developing a commercial loan pipeline. Spearheading this new initiative, within five months we were able to build up a pipeline of nearly $15MM in new loans.

Cupertino, California, Us

LENDonate is a new nonprofit financial ecosystem, the next generation of impact investing. Our marketplace lending platform is a unique network where individuals, foundations, impact investors, banks, and nonprofits leverage their collective power for the greater good. Nonprofit borrowers can showcase their programs on LENDonate and efficiently receive needed capital to reach their next milestone.Lenders can personalize their financial support dynamically to complement their evolving investment and philanthropic goals. LENDonate provides key metrics at your fingertips to help you make informed decisions.

Chicago, Il, Us

Developed financial, cash flow, and data comparison analytics. Created two major group reports and client financial budget analysis. Worked with controller for quarterly reporting. Achievements:Prepared accurate reports for risk analysis and security for $115 million real estate portfolio. Assembled five data sources for imbedded excel formulas analysis. Developed end-to-end space matrix tool for property analysis. Utilized tool for 75 properties to determine potential savings for downsizing or subleasing vacated space to save client cost. Created centralized dashboard to track individual properties and portfolios. Developed Microsoft Power BI program linked to three data depositories to create dashboards capable of analyzing six to eight critical data points.

Fuquay-Varina, Nc, Us

Performed monthly credit reviews for 90 to 120 loans. Analyzed credit soundness, collateral and documentation. Vetted third party vendors quarterly.Chaired monthly credit risk meeting with CEO/CCO, regional heads and one sitting board member. Achievements:Reduced monthly report processing time from three to five days to one. Worked with software vendors to streamline report operations into an automated process. Launched credit review of non-performing and Trouble Debt Restructured loans on regulator’s recommendation. Reviewed 40 loans to TDR status discovering 30 of 120 loans designated as non-performing were paid or written off and were incorrectly recorded on the general ledger system.

Pittsburgh, Pennsylvania, Us

Prepared quarterly reviews of large corporate loans. Designed targeted reviews to analyze risk. Provided independent oversight of the lending portfolio to ensure compliance with financial laws and regulations. Reviewed bank’s policies and procedures for lines of business including CRE, IRE, C&I, Leveraged Lending, Equity Sponsorship, Tax Based Lending, Business Banking and specialized lending. Achievements:Reviewed Commercial and Industrial portfolios for internal policy compliance and risk. Targeted 30 borrowers for review based on international exposure and developed metrics to determine the level of EBITDA derived from outside North America. Found 24 0f 30 borrowers with total exposure of $1 billion lacked proper international exposure risk assessment. Developed recommendations to qualify and mitigate risk. Researched Venture Capital firm loans as part of the Credit Risk Review team. Examined risk mitigation and quantification for underwriting of continuous pro-forma and adjusted financials. Reviewed migration of loans to special assets. Discovered large number of loans not repaying principal over the first three to five years of the loan or booked to special assets group in under 12 months.Analyzed major loans tied to municipalities and states experiencing declining populations with large public union pensions and medical obligations. Applied actuarial accounting to assets and obligations and determined a $1.2 trillion shortfall.

Cincinnati, Ohio, Us

Served as field underwriter and portfolio manager with lending authority up to $1 million. Worked with five business banking loan-officers producing revenues $500,000 to over $20 million annually. Achievements:Developed new loans within the greater Raleigh area expanding loan book from $2 million to $15 million within nine months.

Southern Pines, Nc, Us

Served on approval team underwriting $1 million plus exposure relationships. Performed annual reviews and worked with loan officers and regional directors to structure large loans. Provided monthly interest rate shock analysis for the loan portfolio and compiled county-by-county financial condition and movement reports and risk assessments. Achievements:Developed in-house database query tool to determine county-to-county analysis. Allowed risk assessment based on the general economic conditions of counties.Experience continued…Researched Troubled Debt Restructures by studying general ledger system and pulling loans with fixed payments, floating rates and amortizations over seven years. Discovered $350 million out of $1.9 billion in total loans fell into the category. Assembled data on excel spreadsheet providing renewal and risk information for executive leadership. Analyzed credit worthiness of complex commercial, mortgage and investment loans by compiling financial information global cash flows and relationship summaries. Developed list of client relationships over $1 million for external-auditor credit portfolio review.

New York, Ny, Us

Bachelor Of Arts, Double Major-Economics & History

Certificate Of Completion, Banking, Finance And Capital Preservation