Nathan Cichon Email and Phone Number

• Managed large portfolio comprising non-strategic commercial real estate assets located throughout the mid-Atlantic markets. Entrusted with some of the most sophisticated and sensitive clients in the market portfolio • Negotiated terms with clients that yielded favorable results while also mitigating reputational risk• Formulated and thoroughly underwrote action plans whereby criticized credits were rehabilitated or liquidated through means that mitigated risks and optimized recoveries • Presented action plans and structural modifications to Executive Loan Committee• Performed accurate and timely risk ratings and proactively applying the appropriate accounting designation to loans as this is critical to a strong risk management process• Conducted Commercial Real Estate Risk Rating and Project Underwriting Template training for the Commercial Group

• Assisted Senior Risk Management with the oversight of approximately a $2B Commercial Real Estate and For-Sale Residential portfolio including recommended transactions and strategies for appropriate delegated Risk approval• Assess the credit worthiness of commercial obligors through review of various internal and external documents that address the business scope and performance of the borrower, including completion of detailed written reviews • Review financial statements, analyze and compare various performance metrics of a borrower against regulatory and internal risk rating guidelines, as well as assess the risk and credit management by the lender, along with the development of well organized and detailed analysis of the pertinent risk issues • Participate in special projects and/or committees, such as hotel concentration limit review, risk rating system conversion, and provide regular guidance along with coordinating periodic Real Estate Market Forums to ensure risk rating accuracy & consistency

• Generated & managed over 25 relationships ranging from $620M single exposures to over $40MM multiple exposures • Directed a portfolio with over $120MM in commercial real estate commitments and over $25MM in deposit balances• Developed, negotiated, underwrote, structured, and managed high quality portfolios by identifying opportunities of cross-sale within own portfolio and effectively leveraged relationships to source and close new revenue opportunities• Collaborated with operational support teams to create efficient and effective tools in order to provide customized solutions to meet clients needs, included providing treasury management and capital markets services

• Analyzed and underwrote credit transactions, including acquisition, development, construction, mezzanine, revolving lines of credits, and nationally syndicated borrowing base facilities up to $150MM• Partnered with LPO/Chicago Area Manager to reach LPO and office production goals of $150MM and $300M respectively• Pro-actively monitored portfolio and worked closely with risk management to advise of any potential risks or weaknesses; resulted in credits appropriately rated and management informed• Completed detailed market/economic reports quarterly, encompassing Chicago MSA, Minneapolis-St. Paul MSA, & Indianapolis MSA, to be incorporated in loan package presentations as well as presented to senior management to aid in planning and portfolio management