Mark Martinez Email & Phone Number

8501 No. Scottsdale Road

Lake Havasu City, Az

Duties include oversight of all lending related functions of this $550 million bank, overseeing a $280 million loan portfolio. I am responsible for the credit administration functions including risk management; policy enactment and enforcement; front-end guidance and underwriting; management of allowance for loan and lease losses; credit portfolio stress testing; and all special assets. I oversee the commercial lending and leasing functions including conventional and credit enhanced lending (SBA and USDA) and consumer lending; credit analytical; and loan documentation and operations functions of the bank. I serve as chairman of the Bank Loan Committee and participate in all meetings of the Board of Directors, Asset Liability Committee; Pricing Committee and Technology Committee.

Western United States

I was engaged by an independent community bank in Arizona under contract as its Executive Vice President and Chief Credit Officer. I had also provided consulting and contract support to financial institutions and private equity investor groups looking to acquire performing and non-performing assets from failed or under-performing financial institutions looking to recapitalize. My services included due diligence support, asset intake and administration as well as special assets related work.

Executive Vice President / Regional PresidentChief Lending OfficerI was responsible for the commercial and retail lending processes. I had direct oversight of the administrative management of the operations of the bank. I was responsible for business development and sales management for the bank. I was also responsible for all special assets related activities. I was instrumental in growing the bank to $140 million in assets in just over three years. I built a loan portfolio of $65 million in commitments and personally managed a portfolio of $25 million in loan commitments. I was instrumental in building a deposit base of $114 million while personally managing a depository portfolio of $21 million.Solera National Bancorp (In Organization): President & CEO, DirectorI was involved in the organization of the first newly chartered national bank in Colorado in over seven years. I was involved in forming the group of organizing investors as well as the initial board of directors. I was intimately involved in dealing with the OCC, the Federal Reserve, the FDIC and the SEC through the regulatory processes of chartering and opening the bank. We raised $25.6 million in initial capital through over 750 shareholders via initial public offering. This level of capital represented a 28% oversubscription of our minimum $20 million offering. This offering was placed directly by our management team without the benefit of an underwriting investment banker. I personally brought 130 shareholders to the project, raising $3.5 million in capital.

I held market president level responsibility having established and grown Ironstone Bank’s presence in the state of Colorado. Ironstone Bank was a full service commercial bank that was a wholly owned subsidiary of First Citizens Bank out of Raleigh, N.C. that specialized in delivering financial solutions to the healthcare industry. Its operations included retail, private banking, small business and commercial lines of business. I opened their first bank location in the Cherry Creek Market and followed that with a new location in the Lone Tree area. When I left the organization I had begun construction of a third bank location in the Fitzsimmons area.

Business Banking DivisionI was responsible for delivering a full range of credit, cash management, investment, insurance and e-commerce products to Colorado entrepreneurs through a 45 bank delivery system. I managed a staff of 39 business banking specialists throughout the state. I was a member of the District Senior Management Team charged with all aspects of sales, service and operations management for our Colorado banks.Community BankingI was responsible for the management of all Community Banking operations in Colorado. This encompassed what was, at that time, a 27 branch delivery system. I was responsible for sales, service and operations for consumer, retail private banking and small business banking divisions representing 300 of Key’s 500 Colorado employees.

Bs, Bus. Admin: Acctg./Fin.

College Preparatory Diploma