Robert Sloane Email and Phone Number

• Manage the workflow and daily activities of 7 full time employees in all operational and portfolio analytics aspects of Commercial Lending, Residential Lending and Consumer Lending. Includes: Team development, mentoring staff, cross training, efficiency and personal achievement. • Liaised for the review, coordination and facilitation of all Loan Compliance Regulations and Annual External / Internal Reviews, including three OCC Exams, four Federal Home Loan Bank of New York Exams and multiple Audit and Compliance Exams. Most notably during the 2013 CRA Review a “High Satisfactory” Rating for Lending and Services Tests of the Exam. • Developed and implemented procedures, workflows and efficiencies within the Loan Administration Division pertaining to; Insurance Tracking, Documentation, pre- and post-closing review(s), payment processing, shadow accounting, account ticklers, data integrity and miscellaneous ad-hoc reporting. • Implemented monthly Stress Testing on the Bank’s Commercial Real Estate (CRE) Loan Portfolio which included a Management Summary presented to the Loan Committee and Board of Directors. The module stresses the entire portfolio as well as individual segments by stressing the Loan-To-Value and Debt Service Coverage Ratio. • Responsible for the creation of the quarterly ALLL calculation, loan related Call Reporting Schedules, 10-Q & 10-K reporting and loan related Press Release information. • System Administrator and liaison across multiple lines of business for the accounting system (Fiserv) and third party service providers. Includes ensuring that the Bank is utilizing full functionality of these software packages, reducing operational risk and adhering to Bank policy and procedures. • Member of the Compliance Committee, CRA Committee, Loan Committee, Loan & Discount Committee, Information Technology Committee and Product Development Committee and two time President’s Award Winner.

• Managed the day to day workflow and activities of 7 full time employees in all operational aspects of Commercial Lending, Small Business Lending, Residential Lending and Consumer Lending. • Implemented new policies, procedures, workflows and automated reports to improve the accuracy of the data as it is reported to the Board of Directors on a monthly, quarterly and annual basis. • Assisted and facilitated the annual exam performed by the FDIC, the Federal Home Loan Bank of NY and the external Loan Review Firm and Audits.• Coordinated a new Insurance Tracking Program which monitored all Hazard, Flood, and Automobile Insurance policies, which reduced expenses and lowered the overall collateral risk. • Member of the Compliance Committee, CRA Committee, BSA/AML Committee, Information Technology Committee and Product Development Committee.

• Managed the workflow of the Consumer Lending, Small Business Lending, Portfolio Management and Documentation Administration Departments with 12 employees.• Responsible for the budgeting and analysis of the $189 million Consumer and Small Business Lending Portfolios. Originated $82 million in new commitments or an 18% growth in the portfolios. • Drafted and implemented new lending policies and procedures to incorporate detailed methodology for loan approvals, credit reviews and servicing activities to strengthen approval and funding percentages while addressing issues raised under a Formal Agreement with the OCC. • Created the data management warehouses for all divisions within the Credit Administration Department. These warehouses assisted in creating the mandated regulatory Board Reports, account monitoring, attrition, utilization, collections and recovery activates as requested by the OCC.• Developed new Home Equity Loan and Line of Credit strategies which improved the department’s underwriting and approval process from three weeks to less than 48 hours. • Implemented a new loan documentation system which enabled closing documents to be sent by electronic mail and provided an increased in fee income by $2.5 million over the next five years. • Member of the Credit Administration Committee, Compliance Committee, CRA Committee, BSA/AML Committee and the Cost Reduction Committee.

• Managed the workflow of the Retail Lending Division staff by planning, organizing and directing the departmental functions. Division consisted of 17 employees within the Direct Lending, Indirect Lending and the Administration Support Group.• Responsible for the management, budget and analysis of the $1.08 billion Consumer Loan Portfolio. Successful audit reviews and improved efficiencies noted.• Identified model customers and prospects to develop pre-screen credit criteria for Home Equity direct mail and telemarketing credit campaigns.• System Administrator for the Bank’s Application Processing System. Liaison between Metavante and the banks business units to execute and maintain informational property and system management.• Board appointed BSA, HMDA and Departmental Compliance Officer. Ensured Bank adhered to regulatory obligations under the Bank Secrecy Act and the USA PATRIOT Act.• Conducted reviews to ensure the Retail Lending Division was compliant with all federal, state, local laws and regulations. Also, supervised and managed the overall compliance with the Home Mortgage Disclosure Act.

• Maintained profitability and acceptable risk levels for the consumer loan portfolios which included real estate, automobile, personal loans and revolving unsecured lines.• Implemented a proactive automated portfolio monitoring process using strategy trees to determine if the risk level of the portfolio was increasing and implemented appropriate actions.• Developed and managed an Indirect Automobile Dealership Report Card to assist the indirect lending staff in loan decisions, dealership sales calls and communications.• Created and analyzed performance reports for fifteen departments which were then presented to the Credit Loan Policy Committee.• Assisted in the development of product strategies for promotions, attrition, stimulation and automatic line increases.• Participated as a member on the Loan Application System Advisory Group; provided status updates and recommendations to the Executive Vice President of the Retail Loan Division.