David Crittendon Email & Phone Number

Kansas City, Mo, Us

I have the pleasure to work with 30 plus Private Bankers throughout the 8 state UMB footprint to deliver a concierge Private Bank experience to our valued clients. • Earned UMB Leadership Award, 2020 “Think and Act like an Owner.” One of 130 leaders to earn said award in the last 16 years. • Strategically reduced Private Bank FTE by 22% from 2019 to 2022 while increasing revenues by 107% improving efficiency ratio before allocations from 35% to 15%.• Develop incentive compensation plan that produced $8.00 of new recurring revenue to the division Introduced entity lending across all Private Bank products to compete with larger institutions and meet client needs• Implemented Private Bank and Retail Bank mentorship program which led to many new internal relationships and business opportunities• Grew Private Bank average deposits from $1.2B to $1.9B from 2019 to 2022• Grew Private Bank average outstanding loan balances from $825MM to $2.1B from 2019 to 2022 • Revitalized, refreshed and made UMB Private Bank relevant within UMB providing 10% of annual bank profit and 5% of top line revenues

Kansas City, Mo, Us

Lead a disciplined, professional, relationship based and client centric Private Wealth Management acquisition teams in both Colorado and Arizona for UMB Bank. • Grew Colorado Private Bank loan portfolio by 20% in just 9months• Established and ran Private Banker Advisory Council which generated many positive ideas that were successfully implemented at the Division level• Revamped Private Banker incentive compensation plan and goals to better align Private Banker success with the financial success of the Division. Produced $8.00 of new recurring revenue for every $1.00 of one time incentive compensation 2020 and 2021. • Pioneered the concept of Mortgage Loan Officers processing Private Bank portfolio mortgages in order to free up and leverage Private Bankers’ time.• Introduced and influenced the adoption of tiered mortgage pricing, competitive mortgage pricing model and mortgage pricing in the 1/100th, thus enabling the Division to compete with other larger lenders and earn more in competitive situations• Represented The Private Bank in numerous policy, product, partnership and pricing decisions that enhanced the internal and external brand of UMB Private Bank

Minneapolis, Mn, Us

Responsible for managing banking revenue growth and operations of the US Bank Wealth Management Group for Colorado. Focusing on High Net Worth Individuals and Professional Corporations.• • Transformed a team of Private Bankers and Associates into a highly competent and successful Private Banking operation within 6 months• Increased Banking Team’s revenue by 73% from 2014 to 2017• Grew loan portfolio by 106% from 2014 to 2017• Scored 100% in “manager effectiveness” in 2014, 2015 and 2016 on employee feedback survey• Developed and provided numerous sales programs and data gathering techniques adopted by Western Region including Bukers data mining project• Earned Reserve Elite status 2 of 3 years which recognizes the top 10% of Managing Directors nationwide amongst each Wealth Management discipline. Ranked #3 of 54 both years.• Asked to present on numerous Regional and National sales calls as a subject matter expert in interest rate SWAPS and the “Colorado” mortgage process and coalition that was formed• Created a sales development and partnering culture within the entire Wealth Management Team that resulted in a year over year increase in loan outstandings by 28.8% and deposits by 39.5% in 2014. Increased loan outstandings by another 41.78% in 2015 ranked # 3 out of 21 nationwide markets• Gained efficiencies through segmenting clients thus enabling the Private Banking Team to focus up market in its business development and client discovery efforts• Earned the trust and confidence of the Credit Administration Group by being ultra-prepared for credit presentations. As a result, the Colorado Banking Team closed several unique and highly profitable transactions• Developed, implemented and managed nationwide Private Wealth Management mentoring program• Played a key role in obtaining the single largest investment client in Private Wealth Management

San Francisco, California, Us

• Led a team of commercial real estate centric Private Bankers in 4 Hub locations within Central California • Fostered partnerships within Wealth Management, 4 Commercial Banking Offices, Community Banking and Business Banking • Participated on The National Regional Private Banking Manager Advisory Council and shared in focus groups and work streams related to credit and other Private Banking processes• Managed Private Banking team’s 2011 results that included growing loan balances, above plan in SWAP revenue and was 130% above plan in new credit sales • Doubled average loan production per banker from 2010 to 2011• Led Central Valley Region to #1 ranking within Wealth Management in the entire country in SWAP revenue per banker• Co-Led Central California’s $875mm credit portfolio and $1.35b deposit base. Grew PTPP by 16% from 2012 to 2013

San Francisco, California, Us

• Sourced, underwrote and funded over $200mm of new loan originations during 11 year tenure • Utilized credit analysis skills to make appropriate credit, structuring and pricing decisions • Generated new business loans through a variety of marketing techniques including referral networks both inside and outside of Wells Fargo • Earned “Top Gun” status for being one of the top 20 Commercial Loan Officers in California (out of approximately 120) for 7 consecutive years • Recruited and mentored numerous loan officers and managers hired into Business Banking

Charlotte, Nc, Us

• Developed a comprehensive marketing program targeted at small business within Central California • Responsible for the acquisition of new business relationships within target market • Earned numerous awards for sales results including Top Producer in the State (4th Quarter 1998), “Rookie of the Year” (1998), Top Performer in the State (November 1998) and Top Ten Club (4th Quarter 1998)

Charlotte, Nc, Us

• Managed a $50mm portfolio of the bank’s most valuable clients • Earned both Series 6 and 63 securities licenses • Retained and deepened existing client relationships with a financial consulting approach • Earned numerous awards for sales results – Gold Club 3rd and 4th Quarter 1997, FRM Annual Gold Circle 1997 • Top 10% of statewide sales force

Charlotte, Nc, Us

• Selected as a member of innovative sales team during company-wide restructuring • Developed and managed marketing strategies and acquisition of real estate loans for multiple branches • Increased loan production by 51% during third and fourth quarters of 1994 • Coordinated all aspects of loan processing and funding ($17.2mm in loan acquisitions)

Charlotte, Nc, Us

• Annual loan production exceeded $7mm, achieving 138% of plan • Earned “EVP” club membership for being among top 20 producers (out of total 250) in the region • Developed substantial new business within the agricultural sector (increased by 30%) • Central California representative for promotional video linking the success of Bank of America employees and customers • Directed and trained Financial Services Representatives

Charlotte, Nc, Us

• Recommended without reservation by superiors for management training program after only three years • Completed “Professional Selling Skills” by Learning International and additional banking courses

Master Of Business Administration (Mba), Emphasis In Management

Bachelor Of Science Degree In Business Administration