▪ Train, educate, inspire and lead a team to create sustainable infrastructure for operational procedures with a zero defection result ▪ Plan, develop and implement staff training and annual compliance requirements with consistently achieving total staff completion ahead of deadline ▪ Mitigated risk factors through careful analysis of financial and statistical data▪ Effectively anticipated and managed change effectively in rapidly evolving global business environments ▪ Designed a risk mitigation strategy to partner with various internal and external groups to ensure all closing documentation and guidelines are satisfied prior to deal closing▪ Analyze, review and maintain credit agreements, audit confirmations, loan disbursements, and reconciliations▪ Increased the Salt Lake Office volunteer participation by 20% while heading various projects as head committee member of the Corporate Service Responsibility ▪ Extensive experience with Loan IQ, TLM, MTI, and Swift Alliance applications▪ Heavy customer contact; both internal (Finance, Front Office, Conduit Ops, Treasury) and external (borrower)

▪Developed and implemented strategic analytical plans to increase loan profitability while working to minimize client defection and maintain budgeted operating allowances▪Working knowledge of cash flow analysis & balance sheet review▪Experience with SBA 7(a) and SBA 504 term loans▪Determined and coordinated appropriate action for non-compliance related inquiries and transactions in order to mitigate risk and minimize loss for bank clientele▪Close collaboration with internal business partners to provide support and analysis resolution▪Analyzed, initiated, processed, and controlled complex and sophisticated non-routine money movement transactions

▪Decreased branch technical exception errors to lowest percentage since 2009▪Managed, strengthened, and expanded client relationships representing up to $250k in deposit balances ▪Developed and implemented strategic analytical plans to increase loan profitability while working to minimize client defection and budgeted operating allowances ▪Performed daily assessment of high net-worth individuals and business clients with regards to risk exposure for investment-related portfolio returns in tax applicable transactions ▪Researched and corrected balance break exceptions with the inclusion of loss mitigation ▪Determined and coordinated appropriate action for non-compliance related inquiries and transactions in order to mitigate risk and minimize loss for bank clientele ▪Maintained active customer service interactions to increase assets under management while providing banking, lending, and credit services to bank clientele ▪Close collaboration with internal business partners to provide support and analysis resolution