ANNA G. HIX

** ******** ******

773-***-****

Palos Heights, IL 60463

acci22@r.postjobfree.com

Financial Services . Commercial Banking . Business Development

SUMMARY

Seasoned commercial banking, operations and financial services executive

with the following attributes:

. Extensive experience in credit policy administration, credit department

management, small business banking, commercial and real estate lending,

loan review, workouts, litigation, and problem loan administration.

. Proven expertise with business development, relationship and portfolio

management, strategic planning, financial planning, forecasting,

budgeting, sales, and project management.

. Recognized for leadership, business acumen, change management, results

orientation, mentoring, problem solving, communication, and negotiation

skills.

EXPERIENCE

Bank Advisors Ltd - Chicago, Illinois

Banking Consultant

02.2013 - Present

. Senior Banking Consultant for Bank Advisors specializing in portfolio

reviews, loan workouts, REO management and disposition, regulatory

compliance issues, financial reporting and crisis management.

. Consult with Edgebrook Bank on all CDFI matters including

submission of compliance reporting and 2013 BEA Application.

. Review existing and future funding requests. Analyze financial

statements and profitability.

Edgebrook Bank - Chicago, Illinois 06.2010 -

02.2013

Senior Vice President, acting Chief Credit Officer & CRA Officer 09.2012

- 02.2013

. Managed loan portfolio, assessed portfolio risk, managed operations

department, managed regulatory reporting requirements, supervised 6

bankers and exceeded company goals by more than 50%.

. Reviewed and reapproved the loan policy, incorporated an annual review

program on existing credits, and created a comprehensive credit risk

rating matrix to rerate the portfolio.

. Negotiated and closed several Deed In Lieu and workouts totaling $10MM,

managed loan workouts and financial reporting.

Vice President, Credit & Lending and CRA Officer 06.2010 -

09.2012

. Implemented new strategies to stabilize the loan department and address

FDIC Consent Order, Compliance MOU, and regulatory reporting.

. Managed and underwrote a C&I, RE, CRE, and SBA portfolio of $45MM,

originated $10MM of new loans annually up to $1.8MM each credit, and

managed down loan delinquencies 6.36% and exceeded company goals by more

than 50%.

. Managed the lenders, analysts, loan operations and loan closing

departments.

. Managed and led the Internal Loan Review, Appraisal Review, Risk

Management (Credit) and Internal Compliance Programs with emphasis on Reg

B, Reg Z, RESPA, HMDA, CRA, Flood, UDAP, SAFE Act, Reg O, Privacy, CIP,

and OFAC.

. Negotiated and worked out problem credits. Identified and mitigated

potential capital losses of 15-20%.

. Converted the loan operations department from a "cost center" to a

"profit center." Used proper accounting, budgeting, monitoring,

management of charges, and fee collection to move from -1.5% to +2.5-3.0%

realized capital profit.

. Advised and consulted the Bank on a BEA Application in 2010 resulting in

grants of $275M and $500M. Obtained the Bank's CDFI status in 2011.

FDIC, as Receiver for Citizens Bank & Trust Company of Chicago 04.2010-

05.2010

Resolution Specialist

. Worked with FDIC to arrange for a smooth landing and transition of bank

closing and arrange for sale of bank assets to third parties.

Citizens Bank and Trust Company of Chicago 04.2007 -

04.2010

Vice President, Credit & Lending

. Served as the Senior Lender and Loan Operations Manager. Responsible for

compliance with loan policy, regulatory guidelines compliance, and credit

quality goals.

. Managed and supervised the credit analysis function and development of

credit analysts.

. Managed a C&I, RE, and CRE portfolio of $35MM. Originated $10-15MM in new

loans annually up to $1.5MM each credit and exceeded company goals by

more than 50%.

. Managed the lenders, analysts, loan operations and loan closing

departments.

. Managed daily overdrafts resulting in over $200M of non-interest income

in 365 days.

. Led the Loan Review, Compliance, Appraisal and Environmental Review

Programs. Point of contact for Bank on loan legal matters.

. Improved construction loan administration and monitoring of construction

loans.

. Negotiated and administered the workout solutions for problem loans.

. Member and Secretary to Executive Loan Committee, Management Committee,

Risk Management, and Compliance Committee.

. Ensured compliance with the BEA Program Award Agreement. Approved the

consultant's preparation of the BEA application submission.

. Represented Bank on CDFI and MBP/MDI (Minority Deposit Institution)

matters.

. Assistant Secretary to BHC, Citizens Financial Corporation. Recorded and

maintained accurate corporate records and stock register. Issued stock

certificates to new stockholders. Organized annual shareholders

meetings.

. Established setup and maintenance of Jack Henry, IBM AS400 and Laser Pro

software.

Assistant Vice President, Credit & Lending,

Sr. Credit Analyst, Loan Operations Manager 06.1999

-04.2007

. Directed the Bank's external loan review function. Responsible for

compliance with loan policy, regulatory guidelines compliance, and credit

quality goals.

. Supervised 3 commercial credit analysts and 3 loan operations personnel.

. Redesigned the loan application, loan presentation documents, and

supporting spreadsheets. Assisted in the formulation of the credit risk

rating system.

. Analyzed and spread complex financial statements for all commercial,

mortgage, and personal loans. Prepared loan presentations for

origination and renewals.

. Member of Loan Committee and Compliance Committee. Prepared the monthly

Board of Directors Loan reports. Represented Bank on CDFI and MBP/MDI

matters.

EDUCATION

. University of Wisconsin-Madison, Graduate School Of Banking, 2009,

Graduate

. University of Illinois at Chicago, BS Finance, Minor in Marketing

. Over a dozen financial classes and credit training programs sponsored by

employer banks including The Dale Carnegie Course, Effective

Communications & Human Relations Leadership Training for Managers

. Licensed Real Estate Broker, State of Illinois

COMMUNITY

. Director, Save Abandoned Babies Foundation

. Member, Who's Who among Executive and Professionals

. Secretary, 1926-28 W. Pratt Condo Association

. Member, Greek Orthodox Young Adult League

. Member, St. Andrew Greek Orthodox Church & Member, St. Spyridon Greek

Orthodox Church

LANGUAGES, Fluent in Greek

Contact this candidate