• Grew and managed a loan portfolio of $32MM+ and a deposit portfolio of $15.5MM while maintaining sound credit and compliance guidelines. • Instrumental in building the deposit base of the bank’s second branch and new Sandy Springs location to $100MM in less than three years.• Consumer and business depository relationships met established requirements and provided maximum profitability to the bank with a minimum of risk.• Performed in-depth financial analysis for businesses and consumer loans. Established and negotiated the terms under which credit would be extended, including the costs, repayment method, payment schedule, and collateral requirements. • Prepared detailed credit memorandums with recommendations for use in credit decisions.• Through a disciplined and aggressive new business regimen, developed new customer relationships through prospecting, cold calling, and cross selling. Created strong two-way referral network.• Served on various civic committees in the local community of the City of Sandy Springs, representing the bank and promoting its brand in the community. Directed bank’s community sponsorships. • Maintained extensive contact with customers, the public, and the community, conducting relationships in a manner that would enhance the overall marketing effort of the bank.

• Assisted in the efficient operation of the business services area by focusing on developing new business (lending and non-interest income generation), servicing loans, and rendering client service to small business clients. Loan portfolio of approximately $25MM and deposit portfolio of $12MM.• Aggressively called on potential and existing clients to maintain productivity and profitability in lending and non-lending relationships.• Retained and strengthened current relationships and sought to develop new business through various channels such as cross-sales and working referrals. • Worked directly with Senior Management to target growth in North Fulton market.• Maintained a presence in the community by participating in professional associations and civic meetings and networking with CPAs, attorneys, and other business professionals.

• Managed and grew a commercial loan portfolio of $20MM and deposit portfolio of $12MM.• Evaluated and extended credit up to $2.5MM in accordance with policy and lending authority.• Focused on loan production, deposit growth, and fee income generation. Consistently exceeded established goals in both loan production and deposit growth. • Focused on marketing and cross selling non-credit services such as insurance, investments, treasury services, and retail banking.

• Managed a portfolio of $5.5 MM in loans and $15.3MM in deposits.• Managed growth of assigned portfolio of customers to include identification of further sales opportunities, credit reviews, and customer profiling to suit future needs.• Supervised 6 to 10 employees to include appraisals, career and sales development, planning, and budgeting.• Selected for and participated in Wachovia’s Management Training Program.