Josh Maitlen Email & Phone Number

* Prepares complex financial analysis; performs secondary, specialized analysis of the largest and most complex credits/loans, involves sensitive or critical customer accounts which substantially effect lending profits for division; completes independent analysis and risk assessments for both significant prospects and key existing relationships; Makes recommendations to Account Officers regarding appropriate loan products and loan structure based upon findings. Provides Loan Pricing Analysis including pricing recommendations.* Independently prepares commitment reports for all of the multi-state markets supported by the Small Business Lending Center; participates in credit discussions with Account Officers, Market Managers and senior management; influences credit decisions of senior management via the findings and recommendations contained in the Commitment Reports and Officers’ Credit Memorandums prepared by the Senior Credit Specialist.*Participates in the initial and final structuring of credits; makes recommendations to Account Officers regarding loan products, credit structure, pricing strategies, policy compliance and credit/industry risk.*Provides ongoing training to new and entry level Credit Specialists and serves as an accomplished resource to Account Officers with respect to loan underwriting, credit and underwriting guidelines. Often provides underwriting, risk management and credit policy training/guidance to less-tenured Account Officers.*Conducts formal industry analysis; assists in development of new credit business via interaction with existing or prospective customers to gather key information for credit analysis.

Greater Denver Area

- Analyze loans for credit quality, sound underwriting standards, and compliance with Heartland Financial loan policies- Identify policy exceptions, structure errors, underwriting issues, and problem loans.- Ensure loans are booked with approved terms and conditions.- Assess risks within credit facilities and borrower relationship to determine accuracy of loan grades.- Communicate clearly with bankers and senior management regarding issues, policy exceptions and credit quality.- Perform due diligence on acquisition targets to ensure credit quality and culture match Heartland Financial’s standards.- Prepare monthly Problem Loan Board Reports for member banks.- Assist in the preparation of miscellaneous reports or projects as required by the Loan Review Director.

Greater Denver Area

• Analyze loans for credit quality, sound underwriting standards, and compliance with CoBiz Financial loan policy.• Identify policy exceptions, structure and underwriting issues, and problem loans.• Ensure loans are booked with approved terms and conditions. • Assess risks within loan facilities and borrower relationship to determine accuracy of loan grades.• Thoroughly analyze CoBiz TruPS portfolio and prepare formal report to document findings and portfolio quality.• Prepare the scope and determine sample size of Horizontal and Vertical loan reviews. • Communicate clearly with bankers and senior management regarding issues and credit quality.• Write formal reports on Loan Review findings and evaluate bank’s performance in loan grading, underwriting/analysis, administration, compliance, problem loan management, and credit quality.• Determine the scope and perform correct action verifications as necessary to evaluate actions taken to improve unacceptable conditions.• Prepare quarterly macro-economic report and commercial real estate trends report.• Assist in the preparation of miscellaneous reports as required by the Loan Review Director.• Train new Loan Review employees on processes and procedures.

Lakewood, Colorado

- Review and underwrite various commercial and consumer loans of differing loan structures, loan products and collateral types to assess risk.- Analyze tax returns and financial statements for businesses and individuals, including evaluating historical financial information and projecting future cash flows.- Assign Loan Grades to credit that accurately describe the credit's risk.- Prepare workpapers for each loan that documents the trends of the borrowers, anticipated cash flows, a risk assessment, and findings.- Review large commercial real estate appraisals.- Thoroughly analyze complex FirstBank investment securities for cash flow adequacy.- Manage monthly exams and prepared reports for FirstBank's Audit Committee- Assist in the preparation of the monthly Allowance for Loan and Lease Losses transfer.- Maintain the quarterly Concentrations of Credit workbook and the Summary of Assets Reviewed workbook.-Prepare the quarterly Economic Conditions memo and the quarterly Real Estate Report for the Board of Directors. - Assist market loan officers with questions regarding FirstBank's loan policy and government regulations.- Contribute to a Loan Review department that received a "Best Practices" recognition from the Federal Reserve.

Fort Collins, Colorado

- Achieved corporate profitability objectives through the origination of commercial and consumer credits, increasing branch deposits, and generating customer relationships.- Underwrote and originated consumer and commercial credits of varying dollar amount and structures.- Analyzed the cash flow and financial documentation of prospective and current clients.- Presented large and complex loan requests to FirstBank's Loan Committee, which included executives, senior management, and Directors.- Oversaw monthly draw requests for originated construction loans.- Managed operations and personnel among three branches.- Marketed FirstBank products and services to prospective customers, realtors, and brokers.- Collaborated and communicated with various bank departments and third parties while responding to and resolving customer inquiries.

- Supervised the campus weight room and its members- Oversaw the proper use of approximate $130,000 worth of equipment- Provided detailed instructions to new weight room members

Sioux Center, Iowa

- Assisted customers in the transaction process and exchanging currency- Developed strong communication skills while providing excellent customer service- Worked 20 to 25 hours per week, while maintaining a 3.54 GPA- Further developed time management skills

- Gained experience with the daily operations in each major division of a financial institution- Constructed financial reports for Valley Bank, including their first major profitability report- Created a database for Health Savings Account prospects and health insurance agencies- Performed multiple data entry projects for separate divisions within Valley Bank- Provided assistance to licensed broker at Wealth Management Financial Services, LLC - Gained experience in stock and bond markets, equity research, new account process, designing advertising campaigns, compliance and licensing regulation, and retirement plans