Michael Henry Email & Phone Number

Raleigh-Durham-Chapel Hill Area

-Ongoing credit risk management associated with a $1.3B assigned loan portfolio -Over $3B in new money requests underwritten over a multi-state coverage area-Primary responsibilities included financial and credit analysis, loan structuring, loan documentation, and overall portfolio risk management all in conjunction with new loan requests, renewals, and annual reviews-Reallocated and restructured timing of annual reviews to improve Municipal team portfolio reporting performance-Member of the commercial loan closing task force focused upon closing process improvements-Member of the Council for Credit Risk Continuous Improvement -Mentoring of Analysts in the Municipal sector in credit risk management and underwriting

Raleigh-Durham-Chapel Hill Area

-Primary responsibilities of risk oversight and single signoff approval of commercial client exposures of up to $10MM with a coverage area of the North Carolina, South Carolina, and Virginia markets -Approval of new and renewal exposures in various banking sectors including the Commercial & Industrial, NFP, Commercial Real Estate, Municipal, Healthcare, Education, and Middle Market disciplines.-Loan approval associated with over $1.2B in commercial loan closings-Created NFP as well as Municipal underwriting templates and guidance to be utilized throughout the footprint-Task force contributor associated with the rollout of the nCino loan approval platform including structuring of the loan underwriting package to be used throughout the commercial bank-Assisted in the guidance of the Line of Business from a structuring, underwriting, and target market perspective-Client calls in partnership with the Line of Business in conjunction with the assessment of potential credit opportunities

Raleigh-Durham-Chapel Hill Area

●Primary responsibilities of risk oversight and credit approval for client exposures across the bank footprint with a focus upon the Municipal and NFP specialties with single signoff authority of up to $10MM for new money and up to $200MM for annual reviews● Approval of new, renewal, and annual review credit exposures across a $5B portfolio●Part of an overall team responsible for over $1B in loan closings during the year● Assisted in the guidance of the line of business from a structuring, underwriting, and targetmarket perspective● Integral involvement in the revamp of the overall Government / Municipality sector annualreview process and alignment● Developed specific industry underwriting matrices for use in the airport and port authorityunderwriting sectors● Trainer for new portfolio managers and analysts during initial onboarding as well as ongoingrefresher sessions● Prepared credit and underwriting guidance for all impacted sectors related to accounting changeimplementations● Ongoing monitoring and assessment of overall portfolio concentrations related to markets,structure, and term considerations

●New money single signoff approval up to $2.5MM and annual review / renewal single signoff approval up to $10MM over a six state coverage area●Former Manager of a six person portfolio management team with a last position of Senior Portfolio Manager with responsibility of ongoing risk management in the commercial loan portfolio with a coverage area of NC, SC, and VA● Primary responsibilities included financial and credit analysis, loan structuring, loandocumentation, and overall portfolio risk management all in conjunction with new commercialloan requests, renewals, and annual reviews● Additional duties of overall portfolio and risk management including ongoing risk ratingassessment, covenant monitoring, and identification of potential problem credits● Significant experience with a varied client base including commercial and industrial, not-for-profit, dealer, municipal, middle market, as well as commercial real estate and commercial realestate development segments with a primary focus of larger and more complex creditrelationships● Experienced with various deal structures including new market tax credit financing, municipalstructures, private placement bond financing, VRDBs backed by letters of credits, ESOPs, portauthority financing, and leveraged buyouts● Performance of portfolio and / or lending center audits as needed as related to underwriting,documentation, and approval standards.● Five-time Peak Performer quarterly award winner

-Review of commercial loan relationships over $2.5MM in exposure for credit quality and risk management-Financial and credit analysis of commercial entities with a revenue range up to $250MM-Oversaw a team of up to 4 analysts responsible for a commercial loan portfolio of $2B-Provided other team members with direction and focus in regards to bank and department strategic initiatives-Orientation and training of new analysts-Worked closely with department manager in development and implementation of departmental strategic objectives, polices, and structure-Worked with commercial loan officers in determining current standing of commercial loan relationships-Selection of scope, completion, compilation, and review of team reviews on specific commercial loan portfolios for presentation to Senior Management

• Review of commercial loan relationships over $500M in exposure for credit quality and risk management• Financial, credit, and trend analysis of commercial customers with a revenue range up to $150MM• Assisted in the training of new analysts• Coordinator and facilitator of structured training sessions in accounting and financial analysis for other analysts• Spreading of historical financial statements as well as financial modeling for new and existing customers• Monitoring and review of commercial loan reviews received from several Regions Bank affiliates