Professional Resume

Alan W. Rau

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

Westminster, CO 80031

(H) 303-***-****

(C) 303-***-****

Career Highlights: Over 35 years in the lending industry with in-depth

experience in Direct and Indirect Consumer lending, Mortgage Banking and

Commercial Banking. A successful career in multiple management capacities

including: Consumer Finance Branch Management and District Supervision;

Mortgage Banking as Secondary Marketing Executive with direct endorsement

underwriting background for FHA, VA and Conventional Mortgages; Indirect

Dealer Retail Financing and Wholesale Floor Plan Management; Lender

Consulting; Commercial and Consumer Loan Collections; Workouts and Asset

Management.

Educational Background: Attended Utah State University and the University

of Oregon. Completed continuing education courses throughout career

including those related to marketing, futures and hedging strategies (for

secondary marketing), financial statement analysis, compliance, collection

law, mechanics liens, and effective negotiating.

Employment History:

Summary for past ten years: Special Assets Management including expertise

in legal remedies, restructuring and note sales.

Community Banks of Colorado, a Division of NBH Bank, N.A.; 2011 to present:

Vice President, Special Assets Officer. My current portfolio is $40MM

with 105 accounts. All accounts are managed to payoff, settlement, note

sale or rehabilitation/upgrade.

Custer Bancorp; 2009 to 2011: Vice President, Senior Portfolio Manager.

On contract with Bank of Choice as a Loan Workout Specialist. I had a

working portfolio of between $15MM and $20MM in loans. In 2011 handled all

Special Assets for First State Bank of Colorado (owned by Custer Bancorp).

Supervisor: Buford Thompson, President.

FirsTier Bank; 2008 to 2009: Vice President, Special Assets Manager.

Duties: In addition to the similar responsibilities performed at Heritage

Bank I was also responsible for the Central Loan Operations Department

including document preparation and systems.

Heritage Bank; 2004 to 2007: Manager, Special Assets. Duties:

Responsible for collection of all 60 day-plus past due commercial and

consumer accounts and workout of problem credits. Worked successfully with

all lenders and Operations Managers to train and coach on collection of

past due accounts. Performed loan reviews and recommended grade changes

when appropriate. Responsible for managing all serious problem accounts and

assignment/follow-up for legal action, foreclosure, repossession,

liquidation of collateral, and assignment and tracking of post charge- off

collections. Significantly minimized losses to the bank through prompt

follow-up and effective negotiations in the sale of assets. Supervisor:

Robert L. Davis, Jr., Executive Vice President.

Banking Consultant; 2003 to 2004: Consulting business with contract work

for North Valley Bank and Heritage Bank in problem loan collections, work

outs, and post charge off collection assignments. Contacts: Blake Feik,

North Valley Bank; Robert L. Davis, Jr., Heritage Bank.

North Valley Bank; 2001 to 2002: Assistant Vice President-Loan Officer.

Managed a $15 million portfolio consisting primarily of consumer loans.

Developed Direct and Indirect consumer loan business. Supervisor: Blake

Feik, Executive Vice President.

Rauco-Western Company; 1990 to 2001: Owner, self-employed. Diversified

company involved in Bank Consulting, retail vending operations, special

financing (sub-prime) with auto dealership, sales in the auto and RV

industries.

Western Mortgage Loan Corp/United Savings; 1987 to 1990: Regional Manager.

I supervised 6 mortgage loan production offices in three states. On my

recommendations, this Utah based company withdrew and closed its operations

in Colorado and New Mexico because they chose not to take pricing market

risk in order to be competitive. I was offered a position at their Utah

headquarters but chose to remain in Colorado. Supervisor: Mary Ann

Garner, Vice President.

Great Western Financial Services/Aristar Mortgage Corp/Blazer Financial

Services, Divisions of Aristar, Inc. and Great Western; 1974 through 1978

and1980 through 1987: Vice President-Marketing, Mortgage Operations,

Consumer Finance Division, Aristar, Inc. I began my career as a field

representative with Blazer Financial Services and completed the Manager

training program in 1976. My first management assignment was in

Westminster, Colorado in June, 1976. I was promoted to management of the

largest branch in Colorado in January, 1977. After returning to Blazer in

1980 after working for Citicorp (shown below) I moved to Florida to be part

of a stand-alone mortgage lending division. After several promotions, I

became the Vice-President, Secondary Marketing and provided marketing

support and sales training for ten successful branch offices in Colorado,

Oklahoma, and Florida. After Great Western acquired Aristar, Inc. in 1983,

I moved back into the Consumer Finance Division as Vice President, Mortgage

Lending to support over 450 branches in developing portfolio mortgage

loans. This was a highly successful endeavor that included a formal

incentive program, newsletter, and on-site training of field personnel.

Citicorp Person-to-Person; 1978 to 1980: Account Manager-Indirect.

Starting as an Account Executive (personal lender) I was promoted to

Account Manager-Indirect. I was responsible for developing and managing

indirect business from RV, Marine, and Land-Mobile Home dealers in two

states. I left my employment with Citicorp to return to a great

opportunity with Aristar, Inc. in Florida.

References:

Chuck Johnston, President/CEO, North Valley Bank. 303-***-****

Doug Brown, Attorney at Law: Brown, Berardini & Dunning. 303-***-****

Marlene Wade, SVP, Operations, Solera Bank. 303-***-****

Additional references are available on request.

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