Manager Management

STEPHEN H. WILEY

*** ** **** ***., ********, OR *7213 Phone: 503-***-**** Cell 971-***-**** **************@*****.***

RELATIONSHIP MANAGER, CREDIT ANALYST, CREDIT EXAMINER, LOAN WORKOUT SPECIALIST

Professional Summary: Over twenty years of increasingly progressive management responsibility in the areas of asset management and credit administration within the financial services industry. Extensive exposure to commercial lending, underwriting, credit review and specialized approaches used in workouts and liquidations. Refined skills and abilities include planning and organization; effective communication with staff at all levels; problem loan analysis/resolution; business development/loan production.

General skills: Strong analytical abilities, case writing and technical writing skills. Advanced level experience with Microsoft Word, Excel and desktop publishing software, Moody’s Financial Analyst, Buker’s TaxAnalysis and BizMark small business lending software, HP 12-C and other office calculators and machines. Able to work well in teams or independently. Strong organizational skills, ability to multi-task and deliver work product under tight turnaround requirements.

Professional Experience:

Consultant to Small Businesses, Entrepreneurs and Financial Institutions

WILEY CONSULTING, INC. - PORTLAND, OR

June 2005 to present

Duties and accomplishments:

• Create realistic and practical business plans including detailed cash flow spreadsheets in order to effectively run a business, borrow money, attract investment capital and communicate with a management team.

• Work with the owners to implement and monitor the business plan periodically to insure the plan is properly executed.

• Perform A/R audits to verify and improve integrity of receivable portfolio.

• Evaluate and improve underwriting procedures and standards to improve credit quality and systematic efficiencies.

• Bring all missing key service providers into the management team to complete and strengthen it.

• Perform detailed “pre-flight” credit analysis for clients to identify financial strengths and weaknesses and to assess how well they currently meet basic underwriting requirements before an application is submitted.

• Package and present loan applications that are complete and which expedite the underwriting process when the time comes to acquire credit support.

• Prepare clients for annual credit reviews in advance so that their lines of credit remain open and can be increased as needed.

• Negotiate workout and re-structure scenarios with lenders when relations are stressed.

• Assist entrepreneurs with business plan construction, organizational needs and to secure equity capital or debt funding.

Relationship Manager, Government Guaranteed Lending Group

WEST COAST BANK - VANCOUVER, WA

November 2011 to April 2012

Duties and accomplishments:

• Received and evaluated application packages for small business loans under the SBA 7(a) and 504 loan programs and effectively managed work flow.

• Worked directly with applicants and branch officers to obtain complete sets of documents required.

• Performed all aspects of financial evaluation using a variety of commercial analysis tools and wrote detailed credit memorandums when approval was recommended.

• Ordered title reports, appraisals, Phase I, consumer and commercial credit reports and property inspections.

• Ordered loan documents appropriate to the transaction.

• Closed loans and disbursed loan proceeds.

• Periodically tested for compliance with loan covenants.

• Accepted and resolved customer’s requests and needs as completely as possible.

• Provided weekly reports to management on progress of transactions in the pipeline and anticipated closing dates.

Small Business Lending Manager and Loan Officer

FIRST INDEPENDENT BANK OF VANCOUVER - VANCOUVER, WA

August 2010 to May 2011

Duties and accomplishments:

• Managed the bank’s small business lending pipeline to insure that all applications were processed in a timely and accurate manner and turnaround time expectations were met in compliance with bank policies and regulatory requirements.

• Responsible for making the final decision to approve or decline applications for credit under aggregate exposure level of $350,000.

• Supervised and mentored lending staff, including hiring and performance review.

• Restructuring non-performing loans and oversaw the collection of those loans.

• Completed and submitted end of month and quarterly summary reports to upper level management.

• Evaluated the work flow of the department and implemented changes to improve systemic efficiencies.

• Assisted subordinate underwriters with data entry and creation of credit memorandums during periods of high volume.

• Received and evaluated application packages for small business loans as needed as loan officer.

• Performed all aspects of financial analysis, using various analysis tools, wrote detailed credit memorandum.

• Ordered loan documents appropriate to the transaction and managed work flow.

• Closed loans and disbursed loan proceeds.

• Periodically tested for compliance with loan covenants.

• Accepted customer’s calls and swiftly resolved issues.

Relationship Manager, Special Credits Officer and Special Assets Dept. Manager

MBANK - GRESHAM, OR

December 2005 to December 2009

Duties and accomplishments:

As Loan Officer:

• Originated commercial loans, predominantly C & I and CRE, SBA 504 and 7(a) government guaranteed loans.

• Analyzed construction budgets and administer disbursements during the construction phase.

• Participated in formulation and execution of targeted marketing programs to elevate credit quality and minimize risk in the loan portfolios.

• Completed credit analysis on all credits, authored credit memorandums of all types and made presentations to loan committee.

• Approved credit requests within delegated authority and closed all loans.

• Produced an average of $1.5MM in new business per month.

• Acquired working knowledge of Tax Increment Financing, LIHTC and URA projects.

• Periodically reviewed assets to insure that risk rating assigned were accurate and adjustments made in timely manner.

• Collected past due loans when necessary and re-structured credits as needed.

• Participated at the officer level with various business groups and civic organizations to network and create positive PR for the bank.

As Special Credits Officer:

• Created and managed the bank’s Special Assets Department.

• Collected, restructured or liquidated all Substandard assets assigned within acceptable timeframes.

• Acted as Litigation, Foreclosure and Bankruptcy Specialist and liaison to attorneys representing the bank in litigation and mediation.

• Responsible for compiling and submitting all monthly board reports from Credit Administration.

• Assisted with the formulation of changes and additions to bank policy and procedures.

• Performed property inspections, ordered all appraisals, managed the foreclosure pipeline and performed appraisal review.

• Assisted real estate brokers with the marketing and sale of ORE properties by negotiating the release of tax, nuisance and second trust deed liens.

Credit Risk Assessor

US BANCORP EQUIPMENT FINANCE - PORTLAND, OR

March 2003 to July 2005

Duties and accomplishments:

• Managed a large portfolio of commercial lease relationships with aggregate exposure levels in excess of $2MM each under strict review timelines.

• Performed periodic credit review to recognize changes in credit quality of assigned assets and recommended changes in risk ratings when justified.

• Wrote and submitted detailed Annual, Semi-Annual and Quarterly credit reviews in accordance with aggregate exposure levels.

• Spread all types of financial statements from federal tax returns to CPA prepared and audited financial statements, using Moody’s Financial Analyst software and compared the results to industry benchmarks.

• Constructed M-Capex & Add-backs adjustments for irregular and discretionary expenses to cash flow models to normalize cash flow.

• Worked closely with executives in the regional field offices to facilitate and maintain high credit quality in the portfolios and expedite renewals and increased limits of existing credit facilities.

Credit Examiner II and Officer

WASHINGTON MUTUAL BANK - BEAVERTON, OR

June 2000 to February 2003

Duties and accomplishments:

• Reviewed commercial loan portfolios of assigned branches in the Portland Metro area quarterly or semi-annually based on aggregate exposure levels and risk rating.

• Compared performance statistics to RMA benchmarks as well as evaluated such factors as strength of management, strength of guarantors, collateral coverage industry risk and trends.

• Wrote detailed credit memorandum in support of risk rating changes.

• Traveled extensively throughout the Pacific Northwest with examination teams to Business Banking Centers to perform periodic credit reviews of their assets and to assess branch operations performance.

• Managed teams of examiners, as Examiner-In-Charge (EIC) on many of the BBC exams.

• Wrote branch performance reviews. Conducted exit interviews with branch managers and regional credit officers. Submitted finalized reports to senior management for review and concurrence.

• Acted as EIC on the credit examination of Washington Mutual’s Residential Builders Services Group with assets of over $950MM.

Special Assets Department Manager, Loan Workout Specialist, Senior Credit Analyst

WILSHIRE CREDIT CORPORATION - PORTLAND, OR

June 1991 to November 1999

Duties and accomplishments:

• Traveled extensively as team lead on due diligence acquisition teams to evaluate credit quality of loan portfolios to be auctioned primarily by the FDIC and RTC

• Wrote detailed credit evaluations, portfolio reviews and bid recommendations prior to auctions.

• After acquisition, managed pipeline operations to insure that investor liquidation models for the pools of loans purchased met or exceeded projected expectations

• Served as Wilshire’s chief workout specialist and negotiator in litigation

• Managed the Special Assets Department, supervised more than a dozen employees while working assigned portfolio of loans.

• Simultaneously collected or restructured an on-going problem loan portfolio which averaged 40 assets in addition to managing the Special Assets Department.

• Marketed and sold collateral after judgment, attachment, repossession and foreclosure.

• Motivated and mentored subordinates, set goals, reviewed them regularly with each person in the group and wrote performance review.

• Conducted training seminars on a variety of subjects ranging from the Art of Negotiation to financial statement analysis.

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Financial Analyst and Underwriter

INDUSTRIAL LEASING CORPORATION - PORTLAND, OR

August 1989 to June1991

Duties and accomplishments:

• Performed complete financial analysis of companies applying for lease financing.

• Maintained strict production timelines for processing requests to insure best possible turnaround time.

• If credit standards were met, wrote detailed credit memorandums recommending approval.

• Worked closely with company’s region sales force to expedite approvals and achieve highest credit quality possible.

• Restructured distressed assets.

EDUCATION:

BA, Political Science and History

Hampden-Sydney College, Hampden-Sydney, Virginia

Basic, Standard and Advanced Certificates

American Institute of Banking, Washington D. C. and Portland, Oregon Chapters

AFFILIATIONS: Commercial Workout Professionals Group & Credit Risk Professionals Group, Member Burnside East Business Association, Oregon Association of Minority Entrepreneurs. Honored Member of Covington Who’s Who.

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