MARGARET E. LAMBKA

SENIOR COMMERCIAL BANKER

Relationship Management / Global Accounts / Portfolio Management / Negotiations / M&A /Bridge Financing / Growth Strategies / Market Analysis / International Agreements / Turnarounds

Utilizing financial advisory and relationship management expertise, successfully managed diverse credit portfolios for Bank of America and Wells Fargo. Formulated business solutions for clients across a wide spectrum of industries, secured transactions for M&A, recapitalization and working capital growth. Key skills include:

* Establishing innovative financial solutions and

processes to increase revenues

* Consultative approach to growing middle market companies

* Negotiation of debt structure and legal documentation

* Providing staff development for complex commercial

transactions

Recognized abilities to enhance business value and enable efficient, profitable operations for employers while supporting business growth for clients. Excellent organizational skills and integrity in financial processes, winning awards for sales and leading workouts.

MBA with emphasis in Accountancy from DePaul University, one of US News & World Report’s top 10 business schools. BA in French and Economics from Purdue University. Completed studies of French at the Université de Strasbourg, Strasbourg, France.

SELECTED ACCOMPLISHMENTS

Designed financing strategy. Key Wells Fargo client needed to purchase >$6MM in equipment to expand business and meet current environmental regulations. Met with Wells Fargo Equipment Finance, quickly putting flexible line in place and taking advantage of government rebates. Identified profitable opportunity, yielding significant income for Wells Fargo and building key relationship.

Drove revenue production. Top producer of revenues on sales of credit and banking products to Wells Fargo Business Banking clients. Identified client financing needs and opportunities. Generated >210% annual loan production goals, earning top sales honors for consecutive quarters on revenues generated from loans, treasury and investment products.

Negotiated profitable agreements. Bank of America client’s leveraged buy-out was in trouble and company was hemorrhaging money. Led successful foreclosure and restructuring of company. Negotiated intercreditor agreements, sale of business units, leases and employment contracts, resulting in sale of company for $6MM over initial investment.

Turned potential losses into profits. Global manufacturer and key Bank of America client was losing money on parts produced by European subsidiary, placing firm in default of loan agreements. Negotiated with company executives, Belgian subsidiary and investors, realigning transfer payments and returning company to profitability. Bank of America earned >$500M in fees.

CAREER HISTORY

Vice President, Senior Relationship Manager, Wells Fargo Bank, 2006 to 2009. Managed portfolio of middle market relationships from $500M-$15MM. Responsible for underwriting of C&I and real estate loans, negotiation of legal documentation and regulatory compliance. Acted in financial advisory role to clients and as advocate to secure credit services and treasury products. Provided guidance and referrals to team members.

Vice President, Banking Officer. Citizens Business Bank, 1999 to 2005. Held responsibility for credit administration of asset-based loan portfolio from $500M-$5MM for businesses in diverse industries. Management and review of audit function. Supervised collateral analysis. Developed and marketed Receivable Purchase Program to 43-branch network.

Vice President, Senior Account Executive, Fremont General Corp., 1998 to 1999. Controlled asset-based credit relationships and transactions from $1MM-$10MM for $1.2B finance/insurance company. Oversaw large complex transactions, Letters of Credit, intercreditor issues, Chapter 11 and liquidation.

Vice President, Senior Account Executive, Bank of America, 1994 to 1997. Underwrote and monitored $180MM asset-based credit portfolio of privately held and public companies (NYSE/NASDAQ) with sales of $100MM-$4B. Identified and marketed corporate finance products for M&A, asset securitization and bridge financing.

Consistently promoted to positions of increasing authority with Bank of America prior to 1994.

Additional Information: Member, Pasadena Tournament of Roses. Enjoy travel, reading, art, opera, theater, movies.

z7p205@r.postjobfree.com

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