Ryan Varga Email & Phone Number

• Manage a $675.3MM complex loan portfolio consisting primarily of Middle Market C&I Clients ($50MM+ Annual Sales) and Higher Education. Credits include bank held, syndicated, tax-exempt, and bond debts. • Management of this includes; underwriting for new loan requests, ensuring timely renewal of maturing loans, completing RFPs, annual and/or quarterly loan review, covenant monitoring, and other responsibilities that come along with credit management.• Very strong understanding of credit and risk appetite of the bank which allows me to create underwriting packages that are clear and concise for quick approval from the credit officer.• Effectively communicate with lenders and credit officers to ensure timely submissions and approval of all new credit requests while ensuring all maturing loans are renewed on time. • Work directly with clients during the credit review process to ensure full understanding of the financial picture and credit request. Also work directly with attorneys and clients during loan document preparation to ensure accuracy and understanding of requirements.• Experience in underwriting a wide range of loans include C&I, Higher Education, Not-For-Profit, Hospitals, and CRE.• Capable of handling large loan volumes. 2022 underwrites totaled $621MM, which was inclusive of existing clients along with various prospects and RFPs.

South Carolina, United States

• Worked more directly with bank credit officers in reviewing packages prior to submission for an assigned team of lenders (3-4 lenders). This included verifying the accuracy of memos, risk grade worksheets, and financial spreads.• Prepared annual loan reviews for assigned lender portfolio to be submitted and reviewed by credit officers. Would provide all underwriting required for these packages which included covenant compliance, risk grading, and credit memo.• Managed weekly meetings with the Client Support Unit (including Lender and Assistant) to ensure timely submission of all new and renewed loan requests. • Acted as a sounding board for all lenders to ensure adherence to bank policy and risk appetite which ensured all submitted loans followed these guidelines. • Completed various regulatory projects as required.

South Carolina, United States

• Service a commercial loan portfolio of ~$10,000m. Duties include processing new loan requests, renewals, preparing management loan review packages and problem asset management.• Analyze Financial Information to create financial spreads for multiple senior lenders.• Duties in the Special Assets Department include helping write Criticized Asset Reports on non-performing loans and generating documentation for legal review.• Helped create and structure Treasury Service products.• Manage branch staff to effectively service client needs while increasing deposits and related bank services.• Member of the banks Funding Committee which set deposit rates throughout the bank and maintained watch over bank liquidity.• As a member of a small financial institution I am exposed to many other facets of banking including OCC Evaluations/Reporting, external Audits, Operations, and IT.

South Carolina, United States

• Work directly with business clients to provide lending services and advice. I will review personal/business financial data and tax returns in order to provide this to the client.• Act as the clients Relationship Manager in order to help grow the client relationship through other products and services including Cash Management, Depository, Insurance, and Personal Products.• Actively manage a portfolio around $3.2MM•Continued to perform the responsibilities associated with the Business Deposit Specialist role (outlined below).

South Carolina, United States

• Product expert for all Depository and Cash Management needs for both internal employees and external clients.• Perform financial modeling for current and prospective business clients (of varying sizes), which allows me to illustrate the benefits of banking with BB&T.• Work directly with clients on formal or informal RFP’s to create a package of products and services which will help them save time and money, including both Deposit and Cash Management (Treasury Service) products.• Support team members with any Business Deposit clients or questions they may have• Keep up to date on industry trends and product offerings

South Carolina, United States

• Proactively seek out new customers• Primary Contact for all current and potential client customer service needs• Profile all clients to seek out new opportunity while providing excellent customer service• Support the BB&T team by recognizing client needs and referring the to appropriate team members