E. Edward Brucker, III **** Old Farm Drive

St. Louis, MO 63146

314-***-****

acn2yc@r.postjobfree.com

WORK EXPERIENCE

Frontenac Bank, April 2013 – December 2014

• Analyzed financial statements and prepared loan requests for approval.

• Completed systematic review of Bank’s entire portfolio, examining cash flows, collateral

values, and adherence to documentation requirements. Identified previously unrecognized potential

problem credits. Determined over 15% of the portfolio was eligible for upgrade, providing $180M

cushion in managing the loan loss reserve.

• Monitored all lines of credit for adherence to ongoing reporting requirements and prepared

quarterly reports on those credits.

• Prepared quarterly Watch List reporting and collateral impairment calculations.

• Managed the accumulation of financial information to implement a Bank wide stress testing

program and developed an internal reduced scale program for the Bank.

Robert Half, October 2012 – February 2013

• HUD reviewer for Wells Fargo, responsible for reviewing HUD statements for accuracy for

refinancing loan requests, including completing HARP calculations.

AXA Advisors, LLC, September 2004 – September 2012

• Developed individual financial services practice.

• Served as 3 years as client relations manager, providing superior customer service for clients

who no longer had a current agent.

• Provided detailed analysis of the clients’ current financial situation, including risk tolerance

versus actual asset allocation, long term cash flow needs versus expected distribution sources and

life insurance needs versus current coverage amounts.

• Aided clients in meeting their financial needs with sales of life insurance, annuities and

brokerage products.

Bank of America, January 2003 – September 2004, Private Banking Group

• Analyzed financial statements and prepared loan requests from $500M-$10MM for

approval.

• Worked with the loan officers to determine the structure, collateral and pricing acceptable to

the Bank and secured loan approval for high net worth clients.

July 1998 – December 2002, Special Assets Group

• Managed a portfolio of $20MM in problem commercial loans, working with the borrowers

to help them refinance the debt to another lender, rehabilitate their finances to allow the loan to be

retained by the bank or to liquidate the collateral to collect the debt.

• Exceeded the bank’s goals for collections every year, based on collecting 90% of beginning

balances and new loans assigned with a target of 90%/60%/10% in each third of the year.

• Handled all aspects of the workout process including full review and analysis of the loan and

collateral documents, meeting with the borrower and counsel, negotiating forbearance terms,

insuring proper documentation of agreed changes to the loan and collateral.

• Prepared all internal reports to management on the progress of the portfolio collection

activities, including charge-off or write down recommendations.

First Financial Bank of St. Louis, January 1997 – July 1998

• Within the first 5 months, resolved or recovered sufficient problem loans to suspend

the monthly charge to loan loss reserves ($140M savings).

• Responsible for all aspects of credit administration including loan review, commercial

loan workout and recovery, management of the OREO portfolio, calculation and reporting of

allowance for loan losses.

• Hired, managed and supervised personnel for a program to collect previously charged-

off consumer loans.

Magna Bank of St. Louis, February 1992 – January 1997

• Collected an ongoing portfolio of $3MM of problem loans. Responsible for review of

collateral file and loan documents, recreating contractual balances due from bank’s book systems,

writing acceleration letters and handling all aspects of the foreclosure process, including

determining big ranges and calling sales.

• Managed the bank’s residential loan collectors, and handling the acceleration and

foreclosure on those loans where an agreement could not be reached.

EDUCATION

Masters of Business Administration, Washington University

Bachelors of Science- Economics, Southern Methodist University

Bachelors of Business Administration, Southern Methodist University

LICENCES

Missouri Life and Health Insurance License

COMPUTER SKILLS

Excel, Word, Outlook, Fiserv

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