MICHAEL W. BARNETT

*** **** ********** *****, **********, FL 33414 T: 561-***-**** E:

acfvkj@r.postjobfree.com

Commercial Loan Portfolio Manager / Senior Credit & Risk Officer

Senior level portfolio management professional with middle market

collateralized lending experience in a broad variety of industries. Focus

on compliance and process improvement to optimize resources and mitigate

risk.

Professional strengths include:

Portfolio Administration Credit Product Risk Management Business

Development Strategic Planning

Credit Management Implementation Team Leadership & Development Special

Asset & Workout Management

Training Credit & Risk Policies & Procedures Negotiations

Communication

PROFESSIONAL EXPERIENCE

GRAND BANK & TRUST of FLORIDA, West Palm Beach, FL

07/2012 - 05/2014

Vice President - Commercial Relationship & Portfolio Officer

Managed a $100 million portfolio of commercial loans consisting of

Commercial Real Estate, C & I, and Lines of Credit secured by Accounts

Receivable and Inventory.

. Reviewed borrowing base reports to determine availability.

. Developed analysis formats and structure for loan proposals and

presentations.

. Created strategies to standardize portfolio management.

. Prepared annual reviews on all Watch List Loans and loans in excess of

regulatory maximum guidelines.

. Built on relationships with existing customers insuring customer

satisfaction and expansion through offering of new products as they

become available.

TD BANK, West Palm Beach, FL

04/2011 - 06/2012

Vice President - Senior Relationship Officer- Commercial Banking

. Managed a commercial loan portfolio for conforming and non-conforming

credits under the guidelines established by Sr. Management.

. Provided leadership to a group of commercial lenders operating within

a specific market area.

. Assisted members in lead development and underwrote loan requests.

. Implemented strategic planning initiatives to support corporate goals.

FIRST CITIZENS BANK & TRUST COMPANY / SUN AMERICAN BANK, Boca Raton, FL

02/2009 - 04/2011

Sun American was a small community bank that failed and was taken over by

First Citizens.

Sr. Vice President - Senior Commercial Resolution / Special Assets / ORE

Officer

Managed portfolios of commercial loans, including commercial real estate, C

& I, construction, vacant land, income producing properties and middle

market business customers. Also, managed special asset portfolios.

At Sun American Bank, assisted commercial lenders and special asset

officers with the development of loan structure, pricing, client

development and credit analyst guidance for underwriting purposes.

. Oversaw significant loan portfolio of TDR's (troubled debt restructures).

Provided viable solutions including forbearance agreements, loan

restructures and foreclosure processes.

. Lead Manager responsible for accurate reporting and accountability in

handling the F.D.I.C., FITS Audit for the portfolio purchased through the

Loss/Share Agreement from failed Sun American Bank.

. Managed disposal of all OREO properties throughout Florida and the

management of a portfolio of performing and non-performing "participation"

loans.

. Developed various policy guidelines for Credit Administration

encompassing a Duel Risk Grading System as well as developed a loan review

format and guidelines conducting annual review processes.

FIRST GROWTH CAPITAL CORPORATION, West Palm Beach, FL

2008

Credit and Portfolio Manager

. Established policy guidelines for international trade payables;

developed solutions for non-performing accounts and introduced a cross-

training program.

COLONIAL BANK/Fifth Third, West Palm Beach, FL

2006 - 2008

Portfolio Manager

. Optimized results for a $118M portfolio with 1,250 small business

accounts.

FIFTH THIRD, West Palm Beach, FL

2005 - 2006

Portfolio Manager

. Designed an analysis package that promoted accurate accounting and

compliance across five business units in FTB's South Florida market.

. Reviewed all proposals for compliance and led analysts, specialists

and support personnel for new business and account administration

processing.

. Hired, trained and developed four credit analysts and was fully

responsible for the review of credit offerings and analysis prior to

submission to executive committee.

1ST UNITED BANK, Boca Raton, FL

2004 - 2005

Vice President, Credit Administration & Operations

. Devised policies, processes and systems to minimize financial risk,

promote efficiency and provide quality technical and administrative

support to business producers.

. Set up a credit department, then after achieving compliance Bank

eliminated the position.

. Led Credit, Risk Management, Strategic Planning, Loan Administration,

Financial Accounting and IT functions and created, implemented and tracked

strategic business plan performance.

. Implemented policy and procedures supporting Credit Administration,

handled all staffing and training of associate analysts.

RBC CENTURA BANK / ADMIRALTY BANK, Boca Raton, FL

2001 - 2004

Admiralty Bank was sold to RBC. RBC moved its back office to Orlando

Vice President, Credit Administration & Operations

. Significantly saved costs and improved productivity by centralizing the

underwriting process for RBC Centura's South Florida region.

. Created and implemented a network based software system.

PREVIOUS EXPERIENCE

REPUBLIC SECURITY BANK / FIRST NEW ENGLAND FINANCIAL

South East Regional Manager

FIRST PERFORMANCE CORPORATION Vice

President, Credit Operations

THE FUTURE NOW, INC., Cincinnati, OH

Corporate Credit Manager

INGRAM MICRO, INC., Williamsville, NY

Senior Credit Manager

EMPIRE of AMERICA, F.S.B., Williamsville, NY

Compliance / Credit Review Officer

CHRYSLER FIRST DIVERSIFIED CREDIT CORPORATION, Buffalo, NY

Regional Credit Manager

EDUCATION & PROFESSIONAL DEVELOPMENT

Bachelor of Science Degree, Major: Business Administration, Minor:

Mathematics & Economics - 1983

The University of Maine, Augusta Campus

Member of National Association of Credit Management

Member of South Florida Chapter of RMA, Instructor in RMA's School of

Commercial Lending - (Loan Structure)

Professional Training: Advanced seminars in Credit Analysis, Financial

Management, Commercial Law, Motivation, HR Management, Collection Practices

and Procedures.

Commercial and Consumer Credit Training Program - Empire of America FSB

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