Michael Mosher Email & Phone Number

Peoria, Il

• Responsible for 12 multi-unit retail locations in the assigned district and will work in tandem with the District Manager to strategically manage district operations. • Reports to the District Manager and regularly communicates with them to ensure the company client experience standard is being achieved.• Ensures all assigned locations meet company standards including but not limited to: office set up, buildouts and breakdown, technology set up, telecommunications, office supplies and facilities maintenance. Maintains relationships with property managers and landlords, works with District Manager on necessary corrective actions. • Monitors GL & P&L performance and holds/voids/rejects, discount reports and productivity reports for assigned store group. Also responsible for meeting all assigned district goals including, but not limited to revenue, cash control and tax return count in assigned area.

Washington, Illinois

• Prepare and present Commercial Real Estate packages for clients to be reviewed by financial institutions and investors for debt and equity investment. This includes financial analysis and collateral reviews along with executive summary preparation. Most recent project resulted in the successful Loan Approval in the amount of $10 million for the construction of a Senior Assisted Living Facility in Central Illinois.

Peoria, Illinois Area

• Responsible for managing the Competitive Financial Benchmarking and Governance, Competitive Financial Reporting and Total Shareholder Return for the Energy and Transportation segment and business units. Coordinate with team members to understand and analyze the strategic actions of competitors as it relates to Caterpillar. • Monitors the strategic actions and performs financial analysis on 30 Energy and Transportation competitors. Interpretation of result requires an understanding of competitors’ business models, practices and impact of the performance of different businesses and regional characteristics.• Benchmarked metrics include Return on Sales, Return on Net Assets, Cash Conversion Cycle, R&D and CAPEX. Reports with the metrics are released to Business Resource Managers, Group CFOs, the Executive Office and the Board of Directors.

East Peoria, Il.

• Conduct price/cost and analysis to determine profitability potential on both an individual part and overall client relationship basis.• Create reporting mechanisms to identify areas of price/cost efficiencies.• Report daily to Senior Management resulting in reinforced procedures and significant cost savings on a weekly basis.• Assist in the shipping and receiving department to insure accurate and logistic distribution of parts in addition to customer service inquiries.

Plainfield/Washington, Il.

• Provide written in-depth credit analysis to meet regulatory requirements and internal audits with emphasis on financial counterparty analysis. • The ability to step in to fill a financial institution’s short-term staffing gaps relating to investment/credit analysis needs.• Conduct on-site fundamental credit analysis training to further the knowledge of current staff in place.• Assess current credit policies and procedures, focusing on current exposure limits, identifying areas of potential weaknesses, and providing recommendations for enhancements.• Review sample of current credit files for compliance and recommend any enhanced procedures for maintenance of credit files.• Assist management in preparation for regulatory examinations and external audits. • Offer ongoing training of Board of Director and Senior Management team on relevant investment and credit related topics

River Forest, Illinois

• Coordinate and implement an effective Ways to Work loan program by administering the loan program process.• Teach Financial Education Classes to improve literacy and lay groundwork for self sufficiency and goal setting.• Prepare Applicants for the process and facilitating the accomplishment of the lending decision and if approved, of the borrower loan.• Manage a loan portfolio and ensure the collection, analysis, and management of operational data.• Perform and execute case management and collections with borrowers to ensure loan repayment and program completion.

Warrenville, Il.

• Provide fundamental research and make relative value investment recommendations on companies and issuers in the fixed income markets with a focus on corporate, foreign financial institutions and asset-backed securities to be included in $10.0 billion investment portfolio.• Perform credit analyses and monitor credit ratings and other market information for securities held in the corporate’s investment portfolio and make recommendations to senior management relating to the potential divestiture (or inclusion on the Watchlist) of any securities for credit reasons. This includes the timely written pre- and post-purchase assessment to fully support the credit decisions made. • Analyze the complete financial statements of counterparties (e.g. other corporate credit unions, banks, broker/dealers, non-bank providers of financial services, and trusts that issue structured securities) as well as the permissibility of tri-party collateral.• Prepare up-to-date and accurate meeting materials and reports for Members United’s Senior Management Team, ALCO and Board (monthly), and Credit Committee (quarterly), if applicable. • Maintain a current, accurate, and comprehensive Credit Risk Policy and Procedures Manual. • Ensure compliance with credit-related aspects of federal and state statutes, and regulations and Member United’s policies and procedures.

Chicago, Il.

• Conduct fundamental analysis of companies’ financial statements to determine absolute and relative creditworthiness in short-term and long term bond markets. • Analyze industry and issuer risks and communicates conclusion of these analyses and analyst recommendations to portfolio managers.• Develops and maintains industry expertise which requires a thorough knowledge of larger competitors in assigned industries together with a current appreciation of relevant risk factors.• Communicate conclusions with firm recommendations to the appropriate portfolio managers in a timely and effective fashion. Sector coverage includes Insurance, Municipals and Telecom.

Warrenville, Il.

• Provided fundamental research and made relative value investment recommendations on companies and issuers in the fixed income markets with a focus on corporate, foreign financial institutions and asset-backed securities to be included in $2.0 billion investment portfolio.• Responsibilities included directing and overseeing the objectives of Credit and Market Risk Analysis Department. Monitor the overall credit risk of Mid-States to ensure the asset quality of the company’s investment portfolios. Manage production of risk reporting on market, liquidity, and credit risk. • Performed financial modeling and interaction with Wall Street analysts and rating agencies.

Chicago, Il

• Responsible for credit rating assignment and fixed income research on captive auto and retail finance companies. • Coverage includes General Motors Acceptance Corp., Ford Motor Credit Co., Chrysler Financial Corp. and Household International. • Initiate and develop of rating criteria for the growing mutual fund industry to increase client participation in this arena. • Monitor the overall relationship to include rating meetings, press releases, financing reports and account billings. Contribute fixed income credit research to weekly and quarterly publications.• New business development and cross selling of research products.

Chicago, Il.

• Provide credit analysis on companies and issuers in the medium term and long-term fixed income markets. • Provide research support for Sales, Trading and Fixed Income Portfolio Managers. • Provide in-depth analysis for specific corporate issues to be sold and developed expertise for coverage of specific industrial sectors (i.e. Media and Telecommunications, Finance, Banks and REITs).• Analyze relationships between types of securities and maturities to identify general investment opportunities. Developed relationships with investor credit decision-maker to facilitate account penetration with investor customers.

Chicago, Il.

• Responsible for the ongoing supervision of a portfolio of banks. • Prepared time budgets and projections to coordinate resources to ensure supervisory objectives are met.• Conduct compliance examination programs and procedures involving technical and complex issues.• Interacted with OCC personnel and participated in discussions with bank management and Board of Directors. Assist in the supervision and training of other OCC personnel.