K. Dwight Willoughby, CPA, CGMA

Email: acdp7i@r.postjobfree.com

Mobile 336-***-**** 1723 Tredegar Road

Home 336-***-**** Kernersville, NC 27284

SUMMARY OF QUALIFICATIONS

. Strategy-oriented Financial Services Executive - demonstrated ability to

advise senior management on critical issues.

. Analytical and detail-oriented, able to break down complex operations

and identify essential functions; leading to improved financial

performance, increased accuracy, and enhanced internal controls.

. More than 20 years of management experience in diverse financial

services institutions, with a proven record of productivity, quality,

and integrity.

. An energetic team builder and leader, able to communicate effectively

with people of all ages and backgrounds, to work collaboratively to

resolve problems, and to motivate team members to achieve personal and

organizational objectives.

. Strong SEC expertise and background in mergers and acquisitions;

knowledgeable of Sarbanes-Oxley requirements. Currently holding security

clearance as an FDIC contractor.

PROFESSIONAL EXPERIENCE

Experis Finance, Charlotte, NC September 2013 - December 2013

Consultant

. Executed Phase II SoX documentation for financial services company's

business processes.

. Utilizing standard internal control walkthroughs, created narratives of

in-scope transaction cycles.

. Executed internal control testing utilizing proper audit procedures and

techniques such as model validation for financial services company's key

reports such as 10-Q/10-K and regulatory reports.

Bazilio Cobb Associates, PC, Washington, DC May 2009 - Present

Compliance Management, Assurance Services

March 2011 - Present

. As a member of the Oversight and Compliance Review Team (OCRT) for the

Federal Deposit Insurance Corporation (FDIC) contract involving

compliance and monitoring of Loss Share Agreements (LSA), performed loan

reviews related to the Loss Share Agreement (LSA) between the FDIC and

the Assuming Institution (AI) of a failed financial institution. The

OCRT is responsible for the review of the AI's policies and procedures

regarding the servicing of the acquired loan portfolio and its efforts

to modify or workout a defaulted loan prior to pursuing foreclosure and

the subsequent write-off of the remaining loan balance.

. Perform on-site compliance reviews of State Small Business Credit

Initiative (SSBCI) lending programs created by the September 2010 Small

Business Jobs Act on behalf of the US Treasury OIG. Determine the

State's compliance with minimum leverage requirements, borrower

assurances of permissible use of funds, business size and type

guidelines for Capital Access Programs (CAPs), Other Collateral Support

Programs (OCSPs), and Loan Guarantee Programs.

K. Dwight Willoughby, CPA, CGMA Page 2

Bazilio Cobb Associates, PC, Washington, DC (cont'd) May 2009 - Present

Director of Accounting, Financial Institution Services

May 2009 - February 2011

. Overall responsibility for selecting, training, and managing personnel

utilized in the proforma accounting processes of failed bank closings.

Managed accounting teams in the closings of banks with assets totaling

more than $34.5 billion. Responsible for the overall financial

management of the Financial Institution Services practice, including the

oversight of the expense reimbursement process for employees.

. At the closing of a failed financial institution, served as a Pro Forma

Team Leader (PFTL). The PFTL was responsible for managing the workflow,

motivating and guiding a diverse team of accounting professionals to

accomplish the FDIC goal of providing support and verification for the

failed financial institution's balance sheet accounts within an

aggressive timeframe and in a challenging work environment. The PFTL

typically supervises a team of up to twelve pro forma accounting

professionals; and reviews, critiques and approves all work papers prior

to submission to the FDIC Financial Manager assigned to the failed

financial institution closing.

CommunityOne Bank, Asheboro, NC August 2007 - August 2008

Senior Vice President, Chief Accounting Officer, and Controller

Overall responsibility for general accounting, internal and external

reporting, accounting policy, financial systems, corporate tax, and other

financial projects for the holding company, the bank, and subsidiaries.

. Managed the regulatory financial reporting, including the SEC reporting,

and ensured that the company remained current and compliant with US

GAAP, SEC, and regulatory reporting requirements.

. Documentation of new accounting policies and significant/nonroutine

accounting transactions. Updated procedural documentation to ensure

compliance with Sarbanes-Oxley.

. Partnered with CFO in obtaining a $15 million subordinated loan and a

$10 million revolving credit facility, which was utilized to supplement

the capital adequacy of the bank.

. Evaluate the accounting division structure and team, plan for continual

improvement of the efficiency and effectiveness of the group; provide

individuals with professional and personal growth opportunities.

. Provide support to CFO and CEO on accounting and strategic matters;

coordinate activities with external accountants and SEC counsel.

NewBridge Bancorp, Greensboro, NC February 2003 - July 2007

(fka FNB Financial Services Corporation)

Senior Vice President, Chief Accounting Officer, and Controller

Overall responsibility for general accounting, internal and external

reporting, accounting policy, financial systems, fixed assets, financial

analysis, corporate tax, and other financial projects.

. Led the Finance Transition Team in preparation for the merger of two $1

billion banks. Responsible for developing the procedures to integrate

the Finance Departments of two banks into one combined group.

. Documentation of new accounting policies and significant/nonroutine

accounting transactions; ensure reporting is in accordance with US GAAP;

coordinate activities with external accountants and SEC counsel. Updated

procedural documentation to ensure compliance with Sarbanes-Oxley.

. Member of Asset/Liability Committee; assisted with development of the

bank's asset/liability policies and interest rate risk model; assisted

the CFO in management oversight of investment portfolio, retail deposit

rates and wholesale funding.

. Partnered with CFO in obtaining $25 million in trust-preferred

securities, which was utilized to supplement the capital adequacy of the

bank; managed the associated debt compliance reporting.

K. Dwight Willoughby, CPA, CGMA Page 3

Republic Mortgage Insurance Company, Winston-Salem, NC 1999 - 2003

Independent Accounting/Financial Consultant 1998 - 1999

Independence Bank, Kernersville, NC 1997 - 1998

City of Greensboro, Greensboro, NC 1995 - 1997

Southern National Bank, Winston-Salem, NC 1984 - 1995

EDUCATION

BS, Business Administration, Double-major in Accounting and Management

University of North Carolina at Pembroke, Pembroke, NC

PROFESSIONAL AFFILIATIONS

Member, American Institute of Certified Public Accountants

Candidate - Certified in Financial Forensics (CFF),

Forensic and Valuation Services section

Past member - Business and Industry Executive Committee

Past member - Professional Ethics Executive Committee Task

Force

North Carolina Association of Certified Public Accountants - 1996-2012

2002-2003 Outstanding Member in Business and Industry

Previous service in leadership roles on various committees

and chapters

Member, Association of Certified Fraud Examiners

Candidate - Certified Fraud Examiner (CFE)

Member, Financial Executives Networking Group (FENG)

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