Business Development, Relationship Development, Marketing

Instituted new commercial, agricultural and consumer loan policies, developed and implemented new loan risk rating model with focus away from collateral based matrix to a matrix utilizing liquidity, cash flow/debt service, leverage ratios. Revised Classified Loan Report (CLR) by including benchmarks with target dates for improvement including monthly updates (site visits) to the CLR by servicing officer. Credit Union placed under a Conservatorship under, the NCUA within two months of hire date. The NCUA’s Regional In-Charge approved the above accomplishments

Broomfield, CO - Senior Portfolio Manager: Improved technical exceptions from last to first within holding company peer group.Improved response time of credit decision by 30% through reviewing all new and renewal credits for financial and policy compliance prior to presentation of request.VP Commercial Relationship Manager:Developed & implemented sales strategy for Commercial & Industrial leads and prospects. Resulted in peer rank of second in net new loan growth. Boulder/Golden, CO - VP Commercial Relationship Manager: Grew Boulder market with net new loan growth in excess of $10M and increase core deposit base by 35% with more than $4M in new deposits.Golden market was acquired with $28M in C&I credits and CRE credits. Serious documentation deficiencies were corrected thus reducing future risk for legal action

Senior Vice President Commercial Loan Manager/Sales for Central Arkansas marketImplemented Key Performance Indicator’s (KPI) for the sales and portfolio management performance (structured timely calling objectives) and standards. Developed and implemented goal oriented performance evaluation. The evaluations were directly correlated with the RM’s goals and objectives, thus reducing subjectivity. Fiscal year 2009 team (7 commercial RM’s & 3 private client RM’s) performance; Net New Loan growth sales exceeded goal by 150% ($71 million)New Deposit Account Sales exceeded goal by 295% ($28 million)Loan Origination Fees growth exceeded goal by 381% ($210 million)Rolling annual average Past Due exceeded goal by 130% less than goal

Designed and implemented a structured goal-oriented RM incentive program. Instituted a formal loan origination fee matrix. Standardized the RM’S performance evaluations utilizing measurable KPI’s based on individual goals and bank goals. During my time with OB&T, I originated more than $24 million in new loan relationships. These relationships generated approximately $1.5 million in loan origination fees.

Original responsibilities were in seeking out and presenting new Commercial & Industrial leads and prospects. During this time, (approximately four years) I was asked to be Market President for Saline County, Arkansas. The Bank had two existing branches and added a third when I took this position. I was responsible for the three branches with approximately 12 direct reports, which included branch staff. My last two years with the Bank I requested to move into the Commercial Real Estate Group. This area focused solely on investment commercial real estate, commercial and residential development projects and owner occupied properties. During this time frame I self-originated more than $200MM in new credits along with more than $1.6 million in loan origination fees. In 2005 I was awarded the Doyle Rogers (Bank Owner) Sales person of the year.