16 Direct ReportsDevelop sound lending/credit risk management practices/policies that are in compliance with regulatory directives and maintain analytical models and reports for asset quality, delinquency, loan and lease loss reserves. Manage the credit approval/management process to ensure quality portfolio. Train and develop relationship managers/branch managers to acquire and maintain quality and profitable loan relationships. Oversee the management of special assets, credit underwriting and note departments. Review, analyze and address impaired or potentially impaired credits in compliance with FASB Statement 114. Oversee the administration and disposition of non-performing and criticized assets and assist in negotiating the restructure or liquidation of problem credits. Develop and maintain the bank's ALLL reserve to adequate levels. Successful in eliminating all NPA's for the bank, and removing them from credit Consent Order.

6 Direct ReportsDevelop sound lending/credit risk management practices/policies that are in compliance with regulatory directives and maintain analytical models and reports for asset quality, delinquency, loan and lease loss reserves. Manage the credit approval/management process to ensure quality portfolio. Train and develop relationship managers/lending officers to acquire and maintain quality and profitable loan relationships. Oversee the manaagement of special assets, credit underwriting and note departments. Review, analyze and address impaired or potentially impaired credits in compliance with FASB Statement 114. Oversee the administration and disposition of non-performing and criticized assets and assist in negotiating the restructure or liquidation of problem credits.

8 Direct ReportsExecutive Officer selected to improve the banks credit functions and to comply with the banks consent order. Primary duties are to oversee credit quality of portfolio and manage the note department staff. In charge of assessing and improving the integrity the banks' credit underwriting and administration processes. Duties are to ensure proper loan grading and adequate problem loan monitoring. Analyze adversely classified loans for sufficiency of reserves, and assessing adequacy of ALLL under FAS 5 & FAS 114 rules.

10 Direct Reports (Consolidated to cut costs)Executive Officer selected to establish and control ALLL, Problem Loans, and OREO management. Primary duties are to oversee credit quality of portfolio and manage the note department staff. Also in charge of business development for SBA, International, Trade Finance, Commercial and Real Estate lending teams, and coordinating new lending procedures to streamline loan approval process.

President and Chief Executive Officer/ Director18 Direct Reports (Approved by FDIC but unable to raise capital to open)High profile executive hired and given full autonomy over establishing a Denovo Bank, which included establishing credit structures, loan and audit policies and procedures, overseeing computer IT, branch bank security systems, and all items necessary to open a new bank.

5 Direct Reports (Closed by FDIC)Essential Executive charged with daily activities that included credit quality of loan portfolio, loan and deposit growth, appointing and mentoring of all staff, and overall profitability of division. Approved credits within authority, and presented credits for approval to Senior Loan Committee. • Achieved loan and deposit growth by $50M in first year.

President/Chief Credit Officer/Director30 Direct Reports (Left to start Denovo Bank)Chief Executive selected to control credit quality, ALLL and OREO management, asset/liability management in conjunction with coordinating new lending procedures and streamlined loan approval process.  Established new credit policy, credit memorandum, and OREO policy for the bank.  Updated ALLL policy and established adequate Loan Loss reserves for the Bank Elected as member of the Board of Directors and Chairman of the bank’s Credit Committee.

20 Direct Reports (Consolidated function to St. Louis)Senior Executive recruited to execute all aspects of International Trade Services to include assimilation of all Trade Services generated from bank acquisitions. Received 4 outstanding credit quality awards for loan portfolio quality.Championed distinct business development campaigns that amplified loan portfolio from $20M to $200M in four years, which yielded boost in fee income by $1M annually.

50 Direct Reports (Acquired by City National Bank)As Vice President, accountable for growth and quality control of middle market credits centered around domestic, trade finance, real estate, SBA, term loans, and Asset Based Lending.Drove unique marketing and business development campaigns that catapulted portfolio from $30M to $350M in four years.Facilitated expansion of five new offices and lucrative acquisition and integration of Sterling Bank. Honored with selection as Member of Bank's Management Committee. Sustained credit approval authority of $2M for Southern California region judicially approving credits within limit and shepherded credits above limits through loan committee.