Scott Suits, Crc Email & Phone Number

Tampa, Florida, United States

Tampa, Florida

201 South Orange Ave., Suite 200, Orlando, Fl

Orlando

Led a team of 21 responsible for credit underwriting of all existing and new money credit requests, along with portfolio management functions for $360 million commercial and commercial real estate portfolio. Responsible for maintaining all credit quality and credit administration metrics for the portfolio. Team included 3 experienced commercial credit managers, each leading a team, one based in Orlando, one in Tampa and one in Melbourne. Key Achievements• Established Central Florida Credit Management structure• Supported planned growth in C&I and CRE portfolios. Improved credit quality and credit admin. metrics.• Coached and developed credit managers, credit analysts and lenders with varying degrees of experience.

Fully responsible for credit underwriting and portfolio management functions for a $1.1 billion commercial and commercial real estate loan portfolio. Also responsible for risk selection with $2 million secured and $250,000 unsecured approval authorities and first-line responsibility for deals above those authorities. Established service standards, approval procedures and workflow within the credit function. Key Achievements• Created visibility into loan portfolio through development and implementation of monitoring reports, resulted in proactive accurate risk grading. Only one loan relationship downgraded in recent regulatory exam. • Contained overhead costs while maintaining credit support of $250 million in annual underwriting volume and increasing workflow related to servicing existing $1.1 billion commercial and commercial real estate portfolio. • Developed / implemented consistent approval documentation process used statewide across all bank charters.• Trained and developed young talent through formal training activities and one-on-one coaching.

Senior corporate officer responsible for credit underwriting and portfolio management function for public company holding $2.1 billion net lease and $400 million loan portfolios. Responsible for risk selection within a $10 million credit approval authority and served as a voting member of Investment Committee. Actively participated in the post-acquisition integration of credit and enterprise risk management functions from Trustreet into GE.Key Achievements• Contained overhead costs while maintaining credit support of $350 million in annual volume and increasing workflow related to servicing existing net lease and mortgage loan portfolios.• Managed credit diligence and integration of $900 million acquisition of public real estate investment trust.• Developed / implemented Credit Policy governing gas and convenience store investments.• Served as primary liaison to corporate warehouse lenders with facilities totaling $320 million.• Communicated directly with bondholders, rating agencies and other third-party stake holders regarding securitized asset reporting and risk mitigation strategies. • Managed collateral preparation for issuance of two corporate asset-backed bond issues, totaling $550 million.• Presented quarterly asset quality reports to the Board of Directors.

Responsible for new business development, referrals to other lines of business and servicing an existing portfolio. Key Achievements• During 2002, grew existing commercial banking portfolio to 80 customer relationships (10% growth), $13 million in loan outstandings (44% growth) and $20 million in deposits. • Maintained zero 30 day (or longer) past due and less than 4% criticized loans. Credit Manager - Supervised a staff of 20 – 25 employees with three direct reports, including two supervisors. Directly responsible for the quality and accuracy of the credit and financial analysis support provided, by the department, to the bank’s commercial and corporate lending units. Developed and implemented written guidelines for the standard format of reports to the bank’s loan committees. Served on the bank’s loan documentation review committee. Comm. Associate Program Coordinator (CAP) Coordinator: Participated in associate recruitment, developed and implemented credit training curriculum, and served as the primary trainer. Served on multi-state task force for continuing education of commercial and corporate lenders.Loan Review Officer - Analyzed and reviewed corporate, commercial, mortgage and consumer loan products for risk management purposes. Managed and prepared reviews of lending units throughout the region, participated in due diligence reviews of potential acquisition candidates and assisted in the training of entry level Loan Review Officers.

Supervised and trained staff examiners. Lead regulatory safety and soundness examinations of commercial banks and savings and loans ranging in asset size from $20 million to $10 billion. Oversaw training and troubleshooting for personal computer hardware and software conversion. Coordinated special projects involving multiple agencies. Investigated and responded to consumer complaints.