Vice President Manager

Jeff Patterson

P.O. Box **** ~ Blairsville, GA **514 ~ 706-***-****

****.*********@*****.***

Objective_____________________________________________________________

Equipped with over 20 years of management leadership experience in the

banking industry, I seek an executive level position whereby a customer

focused attitude and the following skills could assist your company:

Proven track record in retail banking

Budget preparation & implementation towards excellence

Finance, credit administration, and operational background

Experience in multi market location management

Experience_____________________________________________________________

Nantahala Bank & Trust, Franklin NC

June 2008 until present

Senior VP and Chief Credit / Chief Operating Officer Responsibilities

include general oversight of credit risk and operational risk. Interest

rate and liquidity risks impacted through membership of Asset / Liability

Committee. Currently performing chief credit officer duties centered around

all aspects of managing a $170 million portfolio interfacing with lenders

and customers. Responsible for FDIC and State regulatory audit compliance

and communications to the Board of Directors. Also, designed and launched

Other Real Estate Owned procedures and special asset department. My span of

control includes secondary market mortgage lending. All operations

personnel report to me with two direct reports and includes eleven team

members. Responsible for implementation of internal controls and managing

audits of same. I have also assisted in efficiency and best practice

operational studies to increase profitability. Manage all vendor contracts

in my area.

Bank of Hiawassee, Hiawassee Ga.

March 2005 to March 2008

President of the company with overall day to day

responsibilities associated with operating a $450 million

asset sized bank. Managed all aspects of a retail oriented

community bank with over 65 employees. Significant accomplishments include

growing the balance sheet over $160 million and increasing

net income 104% to $5.3 million after taxes. Earnings per

share rose from $3.96 to $6.98. Book value increased from $30.81 to

$45.50. A new banking office was opened in Blue Ridge, Ga. and

the company raised $5 million in new capital. Implemented

customer focused cultural change.

United Community Bank, Blairsville Ga.

January 2000 to March 2005

Executive Vice President / Credit Administration. Promoted to

EVP November 2004. Senior Credit officer with

credit administration responsibilities for the quality of $330

million loan portfolio reporting budget variances to the Board. Manage

eight lenders and support team of seventeen people.

Personally manage $75 million portfolio with over 300

relationships. Was awarded "Officer of the Year" by my peers for

outstanding leadership. Responsible for vendor

management.

United Community Bank Executive Vice President continued

Significant accomplishments include the decline of charged off

loans by 57% since 2000. Past due loans were maintained at

or below 1%, The last FDIC examination saw less critical

remarks concerning the entire loan process and best CAMELS rating in bank's

history.

United Community Bank, Blairsville Ga.

February 1999 to Jan 2000

Holding Company Vice President Retail Banking

Responsible for all themes concerning Non-Interest Income and

the growth of each component. Launched two new

products company wide and stream-lined product

offerings. Delivered all marketing concepts and organized all presentations

and training to staff concerning new products. Analyzed

all service charges and fee income accounts. Oversight

included the Trust Department and staff.

Significant improvements were made to the bottom line

amounting to an increase of $1.75 million over the

previous year or 11.5% (excluding mortgage operations).

Other Experience_______________________________________________________

Habersham Bank, Cornelia Ga. Senior Vice President / Corporate

Secretary

Senior Credit Officer with loan authority in all markets and

direct responsibility for loan committee. Credit

administration responsibilities for the quality of entire loan portfolio

with authority for implementing loan review process and

interfacing with various regulatory agencies. Managed

ten lenders in four markets. Member Asset Liability Committee,

Marketing Committee, and Budget Committee.

First National Bank of Atlanta, Gainesville Ga. Officer and

Branch Manager

Responsible for origination of consumer and commercial loans

including documentation preparation and closing of same.

Develop business through calling efforts. Branch Manager

duties with responsibility for day to day operations. Manage six tellers

and two support staff.

Education_____________________________________________________________

Brenau University Gainesville, Ga MBA 1997

North Georgia College Dahlonega, Ga BBA 1982

Other

Education________________________________________________________

Young Harris College Young Harris, Ga Graduate

American Bankers Association Graduate

Commercial lending Diploma

LSU Graduate School of Banking of the South

Baton Rouge, Louisiana

Graduate

Community Activities__________________________________________________

Chamber of Commerce - Chairman of the Board, Vice President, Chair of

Finance and Treasurer.

United Way - Board Member, Treasurer, Fund raising Committee, Allocation

Committee.

American Heart Association - President, Campaign Chair, Volunteer of the

Year.

Leadership Habersham Graduate, Nominee for Leadership Georgia

Rotary - member since 1988 with perfect attendance, Lt. Governor, Board

member, Treasurer, Will Watt Fellow, Multiple Paul Harris Fellow, Charter

Member Georgia Rotary Student Program Endowment Trustee, past District 6910

Conference Chairman, President 1993-94 during which the club received many

district awards including Presidential Citation, Best Community Service

Award, Significant Achievement Award, and the prestigious Club of the Year.

Young Harris College Foundation Board

North Georgia Technical College Board Chairman

Previous Little League Board Member

Deacon, Nominating Committee Chair, R.A. Leader, Youth Committee

Hospital Authority and Board Member

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