Responsible for the Bank’s GAAP and Regulatory Accounting, Risk Management (Credit, Liquidity, Asset/Liability Management), Vendor Management and Strategic Planning. Successfully: • Developed and implemented allowance for loan and lease loss policies, procedures and methodologies. Includes reporting processes to senior management and board of directors;• Developed and implemented a cash flow (sources and uses) forecasting model to more profitably utilize cash assets and manage liquidity risk;• Developed cost accounting/departmental profitability model;• Developed a comprehensive strategic plan in 2011/2012 that included revenue enhancement and cost containment strategies. Implementation of the plan resulted in record earnings in 2012 and a Five Star Bauer Bank rating;• Developed a reorganization of the bank’s personnel and processes. The logical reorganization significantly improved productivity and reduced costs;• Implemented controls and processes that resulted in proper and complete general ledger account reconciliations;• Developed and implemented accounting policies and procedures for a relatively large residential mortgage banking operation;• Developed structure, procedures and processes for enterprise risk management system. The change in "culture" played a significant role in the Bank's upgrade to satisfactory examination ratings in Consumer Compliance, Bank Secrecy, and Safety and Soundness; • Enhanced financial reporting to the Board of Directors and other interested parties.

Responsible for the Bank’s GAAP and Regulatory Accounting, Risk Management (Credit, Liquidity, Reputation, Asset/Liability Management), Vendor Management and Strategic Planning. Successfully :• Developed and implemented allowance for loan and lease loss methodologies (FAS 5 and FAS 114) that have been consistently accepted by external auditors and regulatory bodies. More recently, accepted challenge of implementing new inter-agency “workout guidelines for commercial real estate loans”.• Developed and implemented account reconciliation processes.• Developed and implemented the Bank’s accounting policies including implementation of new accounting standards. Responsible for communicating accounting policies and new standards to management, Audit Committee and Board of Directors.• Primary contact for external audits and regulatory examinations.• Primary management contact to the Bank’s Audit Committee.• Responsible for communicating financial results and other significant bank issues to the Board of Directors.• Responsible for Bank’s Forecasting, Modeling, and Budgeting.• Developed and implemented cost accounting/departmental profitability system that utilizes market driven transfer pricing methodologies.• Developed and implemented bank-wide cost containment strategies that reduced on-going annual expenses by 40%.• Developed and implemented a balance sheet restructuring that increased the bank’s net interest margin by 25%.• Merged and integrated the holding company’s Las Vegas Bank into the Michigan Bank in less than one month.• Led due diligence for equity raises and merger activities (buy side and sell side).• Extensive Mortgage Banking Accounting experience.

Responsible for managing all aspects the Bank’s operations and developing and implementing the bank’s strategic business plan.

Responsible for overseeing the Bank’s tax and financial reporting; developing and implementing asset/liability strategies and long-term business plans; directing relationships and activities with the capital markets and correspondent banks.• Developed and implemented strategies which reduced the bank’s interest rate risk exposure by one-half, and increased the spread between interest earning assets and interest-bearing liabilities by 50%.• Developed and implemented strategies which significantly improved the capital position of the bank.• Established procedures for complete account reconciliations. Identified and corrected significant “out of balance” situation.• Successfully negotiated and executed consumer loan (marine and auto) securitizations totaling $150 million.• Successfully negotiated and executed the sale of commercial lease receivables totaling $60 million.

Responsible for determining the safety and soundness of financial institutions through the analysis of management, asset quality, interest rate risk, and operations.