Real Estate Vice President

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

Greenwood Vlg,

CO, *****

952-***-**** (C)

303-***-**** (O)

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

James K. Simons

Profile

Entrepreneurial credit/risk professional who has

successfully lead the risk function, in a variety

of environments/situations, including problem bank

turnarounds, as well as, integrated and

consolidated six banks credit

organizations/cultures, the result of multiple

Experience acquisitions. Also, assisted with the

formation/development of new lines of business and

joint ventures to grow an organization while

maintaining prudent risk standards.

Additionally, my career includes many situations of

direct and managed workout experience, conducting

acquisition due diligences, significant and

successful interaction with the primary bank

regulatory agencies, directorates, and investors,

as well as, the assessment and hiring of numerous

lending and credit personnel while building

credit/risk functions and lending platforms.

2007 - Present Guaranty Bancorp

Denver, CO

Executive Vice President-Chief Credit Officer and

Director

Developed a credit risk function and culture for a

$2.5 billion bank created through acquisitions and

taken public in 2005

Developed and staffed a credit admin

group/function, which did not exist, and now

includes a 7 person special asset group, a credit

approval group, internal loan review function,

portfolio reporting, as well as, centralized the

consumer underwriting and collections process

Lead/coordinate workout efforts/disposition

strategies for $160 million special assets

portfolio, which included a $65 million portfolio

sale

Conduct periodic investor presentations, quarterly

board presentations and act as primary regulatory

liaison.

Member of executive committee who lead efforts in a

$60 million private equity offering and performed

due diligence on merger target

1995-2007 U.S. Bancorp

Minneapolis, MN

2000-2007

Executive/Sr. Vice President-Senior Credit Officer

Senior credit and policy executive for the Bank's

$25 billion Commercial Real Estate line of business

and related capital market activities (includes

credit management for two specialized real estate

lending subsidiaries with $4 billion in loans which

provided structured finance and residential

construction/ development lending located on the

West coast).

Formed/developed the structured finance subsidiary

with CCO and assisted with the

development/formation of conduit joint venture with

Vice Chair.

Oversight for portfolio monitoring, risk grading,

problem loan management, evaluation of risk and

appropriate deal structures, and loan review

facilitation.

Developed credit policy, underwriting

standards/procedures and risk grading methodology

used on a national basis for line of business.

Managed four business line or group credit officers

and manager of appraisal review group.

Director and investment committee member for $2

billion CMBS joint venture

Presenter/member of executive committee for credit

and member of RMA Large Bank Real Estate Board

1997-2000

Vice President -Senior Credit Officer

Primary risk and policy officer for $3 billion

regional middle market commercial business line, $2

billion private financial service business, $1

billion dealer finance group, $1 billion asset

based lending division and $9 billion retail

business products portfolio. (Corporate Card,

Merchant Processing & Small Business lending

Lead or participated in five due-diligence projects

for acquisitions and coordinated integration for

credit of acquired banks and/or business lines

1995-1997

Vice President - Credit Risk Manger

Responsible for assessment and monitoring of

commercial real estate and regional middle market

portfolios. Also, conducted or lead credit

component of due diligence for acquisitions.

1992 - 1995 Midway National Bank

St. Paul, MN

Vice President- Credit Risk Officer

Hired by Bank's independent counsel to develop and

manage the credit risk function of a $400 million

independent bank operating under an enforcement

action.

Created, staffed and managed Bank's Special Asset

Division charged with the management and

disposition of the Bank's $100 million portfolio of

problem loans and other real estate and property

owned.

Through my efforts and interaction with the OCC the

Bank was removed from the order in less than three

years.

1990-1992 Resolution Trust

Corporation Eagan, MN

Oversight Manager/Asset Specialist

Performed duties of senior management and

directorate for $600 and $2,800 million thrifts,

including mortgage banking and leasing

subsidiaries.

Managed special assets division with $140 million

in non-performing loans, REO and REJ, supervising

five disposition managers

Established goals, policies, procedures and budgets

for departments within institutions and

subsidiaries.

1988-1990 Stearns Financial Services, Inc. St.

Cloud, MN

Executive Vice Pres./Sr. Lending Officer

A holding company which operated four community

banks with total assets of $500 million.

1988-1990 Stearns County National Bank Albany, MN

Chief Operating Officer/Exec. Vice President

Managed daily operations of lead bank and served on

board and committee positions of the four unit

banks.

Participated in major decisions affecting each

bank's profitability, along with profit and loss of

the holding company.

Initiated and implemented strategic planning

processes.

Directed managerial oversight of three bank

presidents and senior officers of lead bank.

Responsible for all lending activities and credit

administration for all unit banks and $40 million

leasing division.

1982-1988 Bremer Financial

Services, Inc. St. Paul, MN

Assistant Vice President - Credit Officer

Oversaw all commercial lending activities of a 25

bank, $1.6 billion holding company.

Underwrote, monitored and serviced all overlines:

$380 million overline portfolio; member of overline

committee.

Worked with member banks to underwrite credits and

develop new lending relationships (up to $20+

million).

Managed problem banks within system. Developed and

implemented (with concurrence banks' regulators)

bank workout plans to improve asset quality,

financial condition and performance; assessed

management and recommended staffing/organizational

changes.

Created of "good bank/bad bank" concept which

included the management and disposition of $75

million of problem assets.

Designed, established and taught a commercial loan

training program.

1979-1982 Comptroller of the Currency/U.S.

Treasury Department

Associate National Bank Examiner

Conducted the examination of National Banks.

1978-1979 Marquette National

Bank Minneapolis, MN

Management Trainee

Participated in Management Development Program.

Education 1985 College of St. Thomas St. Paul, MN

Master of Business Administration

1978 St. John's

University Collegeville, MN

Bachelor of Arts in Accounting

References Professional and personal references furnished upon

request.

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