At CCBank, I serve as the Chief Credit Officer / Executive Vice President, and am entrusted with spearheading the credit strategy and loan production for a growth-driven community bank. In this capacity, I focus on leveraging fintech solutions and harnessing data science methodologies to optimize operations and drive business growth. My key responsibilities and accomplishments include:• Serving as the Credit Officer for Bank Fintech Partnerships, fostering collaborations that enhance lending capabilities and customer experience.• Championing the successful implementation of the Paycheck Protection Program (“PPP”), orchestrating the processing of approximately 500 loans totaling $70MM. Innovatively, I facilitated automated forgiveness through the development of an Application Programming Interface (“API”) in collaboration with a third-party vendor.• Directly interfacing with auditors and regulatory bodies such as the FDIC and Utah Division of Finance, ensuring compliance and fostering transparency.• Delivering impactful presentations to the organization’s Board of Directors and serving as the Chairman of the Loan Committee, effectively communicating strategic initiatives and driving consensus.Key Achievements:• Successfully navigated the challenges posed by the COVID-19 pandemic, proactively responding to borrower deferral requests and implementing lending programs to support the PPP under the CARES Act.• Led the revitalization efforts in the wake of staffing defections, orchestrating the reorganization and optimization of customer service, collections, and loan operations departments, while spearheading recruitment and training initiatives.• Pioneered the expansion of lending programs through strategic partnerships and joint ventures in fintech lending, leveraging insights gained from earning a Master’s Degree in Data Science (MSDS) at the Bank's request, aimed at evaluating and capitalizing on fintech opportunities at a peer-to-peer level.

As a Board Member at Security Home Mortgage, I leverage my expertise to guide the strategic direction and growth of this leading residential mortgage company. My role involves overseeing key initiatives, ensuring compliance with industry regulations, and fostering innovation to enhance customer experience and operational efficiency. I am committed to contributing to our mission of providing accessible, compliant, and affordable mortgage solutions to homeowners.

Willamette Community Bank is a community bank founded in Albany by citizens and businesspeople to preserve local decision-making and support the community. We remain true to our founding principles in all the communities we serve.

Recruited to assist the Federal Deposit Insurance Corporation (FDIC) with a Receivership for a failed bank in New Orleans, LA. Responsibilities include:• Led a team of Receivership Assistance Contractors charged with the management of the assets of a failed Insured Depository Institution (IDI) in accordance with statutory mandates. • Provided expertise in the management of Maritime assets for resolution in a fair and cost effective manner.• Advised FDIC’s Post Closing Asset Managers (PCAM’s) on complex receivership assets. • Drafted Large Assets Status Reports (LASR’s), Cases, and responses to Congressional Inquiries. Key Achievements:Subject matter expert on complex Maritime assets and workout loans. Drafted responses to Congressional Inquiries for FDIC PCAMs. Recognized for superior analytical, oral and written communication skills.

Recruited to lead and rehabilitate the credit culture at a $50MM+ community bank. Responsibilities include drafting policies and procedures, managing lending staff, developing new business prospects and leading risk management functions. Additional responsibilities included:• Analyzed commercial and consumer loan requests for viability and extension of credit. • Completed credit analysis and approved loans within assigned authority limits.• Monitored daily credit operations and mentored junior officers.• Presenting monthly to Board of Directors and subcommittees of the Board.• Interfacing with Regulators. • Drafted credit policies and created a risk governance framework.Key Achievements:Drafted loan policies and procedures. Enhanced credit processes. Improved credit quality and enhanced the balance sheet. Revised entire consumer and commercial credit administration process. Increased loan portfolio outstandings.

Provided financial expertise on credit information, loan policies, and procedures to commercial banks, credit unions, and finance companies while improving portfolio quality. Key Achievements:• Contributed to improving commercial and consumer credit administration, underwriting, commercial loan workouts, leasing management, and Other Real Estate Owned (OREO) sales efforts.

Provides day to day supervision of the Credit Administration process. Oversight includes duties such as ensuring new loans adhere to Credit Policy, ensuring credit and monitoring exceptions are kept at or below Board-approved levels, providing guidance on new lending opportunities, and assisting the Chief Credit Officer wherever needed in the managing and overseeing the proper functioning of the entire credit process. Responsibilities also include ensuring compliance with Reg O; Special Assets and OREO; and Consumer Collections.

Spearheaded efforts to develop a workout culture de-novo for a $5B+ bank holding company. Created risk-based pricing model. Participated in the development and revision of Loan Policies, Procedures, and concentration limits. Collaborated on new loan production. Assisted with ALLL and TDR policies and process. Ensured accuracy of commercial loan risk rating process. Developed operating policies/procedures and obtained Board and Regulatory approval (OCC). Established Management and Board asset quality reporting and presented results to the Boards of Directors for subsidiary Banks monthly. Created and introduced a Watch Loan Management Process (WLMP). Collaborated with lending officers to generate new business. Mentored and trained less experienced loan officers and staff.Key Achievements:• Directed commercial loan restructuring and workout activities including OREO disposition.• Played a key role in improving credit quality metrics resulting in a favorable termination of the institution’s Consent Order. • Served as a voting member of Executive Credit Committee. • Championed efforts to reduce NPAs / Capital. • Reduced Classified Assets / Capital. • Devised a coordinated, multiple path approach to problem loan/asset management designed, which monetized criticized/classified assets within reasonable risk parameters and capital positions.• Led efforts to automate problem loan and OREO reporting.• Championed implementation of an automated consumer and mortgage loan collection system.• Consistently exceeded all goals and expectations.

Played a key role in driving growth from $2.5B in 2000 to >$15B by 2008. Established the bank’s workout culture de novo including watch loan process, early warning system, and workout philosophy. Supervised and mentored 7 Commercial Loan Workout Professionals and 12 Credit Professionals. Devised plans to improve collateral position or otherwise established recourse to debtor client assets. Oversaw management, leasing, and sale of OREO portfolios. Created the Allowance for Loan and Lease Loss (ALLL), historical loss ratio, and migration analysis models. Key Achievements:• Contributed to the implementation of a dual risk rating system. • Developed Loan Policies and Procedures.• Liaised with audit (internal and external), credit, risk, loan policy, and regulatory officials. • Directed due diligence teams on acquisitions to evaluate loan portfolios of target institutions. • Introduced sub and nonperforming loan sale transactions, which improved balance sheet. • Created comprehensive Board and Executive Management level reporting.• Selected by Executive Management for The South Financial Group’s Leadership Development Program (inaugural class).

Tenure with Bank One Corporation represented a very successful career spanning almost ten (10) years in positions of ever increasing responsibility and authority. Relocated several times to accept challenging positions in a credit quality environment. Experienced in all aspects of commercial workout operations; • High volume business banking environments;• Specific, directed efforts on large $100mm+ real estate, commercial and industrial credits;• Commercial Mortgage Backed Securities (CMBS) portfolios;• Developed three (3) de novo commercial loan workout departments;• During my last three (3) years I was involved in the de novo implementation of a Portfolio Management Center located in Akron, Ohio, and ultimately staffed up to approximately 120 credit quality professionals responsible for workout activities on small business credits in an eight (8) state region.

Assistant Manager of a commercial and small business workout and recovery unit for Citicorp National Services. Participated in the consolidation of the Boston and Atlanta remote sites into the Columbus, Ohio facility. Developed a collection agency out-sourcing placement model for commercial and small business charge offs to 3rd party collection agencies; tracked performance and intitiated champion challenger scenarios with a database (dBase) I developed and maintained.

Responsible for the collection of delinquent commercial loans