Timothy Meeks Email and Phone Number

• Managed staff members with daily assignments to service an SBA Commercial Portfolio using PCFS Loan Manager. • Collected tracking items from borrowers including insurance, proof of paid property taxes and annual financial statements required in the loan authorization. • Handled service action requests from borrowers regarding substitution of collateral or guarantors, release of collateral, assignments of life insurance, and quotes for payoffs.• Reviewed and approved Monthly 1502’s, 1502D’s & 172’s produced by PCFS Loan Manager. • Managed post purchased review (PPR’s) submissions and wrap-up & charge-off submission to the SBA on two portfolios. • Produced and submitted litigation budget requests to the SBA for approval including form 1979 liquidation plans.• Ordered or performed site inspections per the SBA’s SOP for workouts, service requests, annual reviews or post damage repairs from insurance claims. • Reviewed and analyzed annual financial submissions by borrowers including credit reports. • Conducted all monetary collection calls on two portfolios. • Worked with attorneys on bankruptcies, proof of claims, evictions when required, adequate protection payments & short sales when prudent. • Performed all workouts, loan modifications, foreclosures and liquidations for two portfolios. • Reported to management daily and weekly regarding portfolio performance.• Set Loan Loss Reserve (Impairments) on problem assets quarterly including loan grading.

• Collected tracking items from borrower including insurance, proof of paid property taxes and annual financial statements required in the loan authorization. • Handled service action requests from borrowers regarding substitution of collateral or guarantors, release of collateral, assignments of life insurance, and quotes for payoffs.• Managed post purchased review (PPR’s) submissions and wrap-up & charge-off submission to the SBA • Conducted all monetary collection calls. • Performed all workouts, loan modifications, foreclosures and liquidations. • Worked with attorneys on bankruptcies, proof of claims, evictions when required, adequate protection payments & short sales when prudent.• Reported to the bank’s board monthly and senior staff weekly regarding bank’s portfolio and problem assets.• Calculated the bank’s Loan Loss Reserves.• Managed all REO properties including negotiating sales. • Met with FDIC and bank auditors on a regular basis.

• Handled collections for payments, proof of paid property taxes and life insurance.• Took incoming calls for two portfolios for customer service issues and questions.• Conducted inspections and field visits when necessary to check on collateral, discussed problems with borrowers and provided photos for funding of insurance proceeds. • Referred loans to work out and liquidation. • Placed loans on non-accrual status when necessary. • Processed payoff quotes with title companies and attorneys. • Ran reports from PCFS Loan Manager to discuss delinquencies with management. • Met with borrowers to provide assistance and workouts when plausible.