Peter J. Musha

*** ****** **** #*, ********* WI *3094

414-***-****

abh3ov@r.postjobfree.com

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OBJECTIVE

Seek opportunities in private or public finance, utilizing a strong

relationship banking background, credit expertise, while at the same

time drawing off of progressive successes and proven results utilizing

a broad base of financial services. Demonstrated expertise in the

following areas: generating fee income, loan production,

implementation of business plans in an advisory role, maintaining a 50-

125 million dollar portfolio, business development with emphasis in

C&I and CRE, and Moody's credit analysis.

PROFESSIONAL EXPERIENCE

U.S. Bancorp, Milwaukee WI

District Sales Manager VP/Business Banking Officer/AVP

November, 2004-November 2010

. Contributed to the profitability and growth of Business Banking by

building, developing, and managing new and expanded client

relationships with business customers, defined as companies with

annual revenues of up to $50 million.

. In 2009, growth equated to $1.2MM of revenue generation, which

encumbers new deposit generation, fee income: specifically treasury

management, and merchant services. All based off of SIEBEL revenue

tracking, which equated to #3 in the region. YTD 2010, growth is

currently at $950,000 of revenue generation, which equates to #4 in

the region. Total balance sheet growth in 2009 was $22 million, based

off of new money closings of $48 million, as a total percentage; #2 in

the region.

. Had lowest attrition rate based on size in the region at 2.5%. Had

lowest non accrual status at 3.8% in the company.

. In 2009, was asked to take over Madison region which was at the bottom

5% in the company in revenue and balance sheet growth. After 3 full

quarters team was producing in the top 20% of company, which is

roughly $300,000 of revenue generation. At present have more than

half of team producing at Pinnacle status (top 15 %) in the company.

Team produced more in 3 quarters than the previous 2 years.

. Also, in 2009 was responsible for Client Managers whose primary role

was to manage C&I Credits and bring in new C&I or owner occupied

facilities. These facilities ranged from 1.5 million to 7 million.

Current portfolio under management is $125 million. The new money

portion of this number in 2009-2010 is 75 million.

. Annual Pinnacle winner for 2007, #4 producing Sales Manager out of 40

in the company. Had 9 of 12 BBOs on team achieve pinnacle status in

2007.

. 2008-2009 Completed Leadership advantage training, OMEGA Credit

training, CFA training, Sales, Performance, and Coaching Workshop and

Accredited IMPAX Sales training.

. Pinnacled as a Sales Manager, #7 Producing Sales Manager in company

based on incentive earned in quarter 3 of 2006.

. Pinnacle winner in quarter 1 of 2006, and became a recognized leader

by regional manager and peers leading to promotion in 2006.

. As a sales manager responsible with full accountability for execution,

management, and evaluation of marketing and sales strategies.

Currently, developing and supervising a five-member sales team, which

are actively involved with 18 branches in the Milwaukee, Ozaukee,

Waukesha, and Racine areas.

. Leading incentive earner in District for quarter 2 and 3 in 2005, and

was a pinnacle winner 3 out of 4 quarters in 2005 as a Commercial

lender.

. As a lender was responsible for meeting or exceeding assigned sales

goals through Outside Sales, Incidental Activity to Outside Sales, and

Other Activities.

. Contributed to the profitability and growth of Business Banking by

building, developing, and managing new and expanded client

relationships with business customers, defined as companies with

annual revenues of up to $50 million.

. Consulted with customers and prospects about their financial goals and

needs and identify and promote bank products and services to best meet

those needs.

. Also, actively cross-sold appropriate banking products to new and

existing customers and refer clients to other bank areas for

additional needs.

. Contributed to the growth of a profitable loan portfolio by

originating applications for all types of business loans. Gathered,

analyzed and discussed credit and financial information for

determination of credit quality and appropriateness of bank products

and services at the customer's place of business.

. Partnered with branch employees developing, communicating, and

implementing the sales strategy in order to meet/exceed business

objectives, and exchange leads/referrals. Conduct joint outside sales

calls with branch employees at the prospect's place of business.

. Responsible for overseeing and ensuring accurate and timely

documentation preparation. Oversee loan closing and servicing

activities.

Park Bank, Brookfield, WI

Senior Credit Analyst/Small Business Lender January, 2003-

November 2004

. Research the bank's customer, loan and deposit systems for

balance, terms, and performance history. Using this

information to calculate debt service, leverage, and loan to

collateral value ratios.

. Compare projections to historical, financial statements and

industry data and prepare written comments or graphic

illustrations on trends and observations.

. Input financial information and generate spreads, relationship

and risk grading, and profitability forms.

. Request and review appraisals, receivable agings, invoices,

assessments, or other evidence of collateral value and determine

adequacy of collateral.

. Prepare risk assessment using analysis and central underwriting

guidelines. This presentation to officers of the bank includes

both facts and opinions concerning creditworthiness of customer.

. Pro-actively interface with market team members to plan,

prioritize, and establish agreed upon timeframes for completion

of loan presentations.

. Meet with external customers when appropriate; traveling to

customer sites when needed, and completing field reviews when

warranted.

. Central point of contact between lenders and customers.

Bank One, Menomonee Falls, WI

2000-2003

Collections Specialist III/Team Lead/Loss Mitigation

. Manage a portfolio of 400-500 accounts and analyze and

apply advanced collection techniques with accounts both in

bankruptcy and in foreclosure.

. Assess and resolve issues through both debtor and attorneys

to ease flow of foreclosure process and ensure

asset/collateral recovery.

. Analyze and make recommendations relating to existing loan

documentation to determine lien perfection, collateral

value, and final initiation of liquidation of collateral

are key components of this job.

. Strong working knowledge of accounting applications/systems

such as CMS, SBS, CPI, & Fortracs.

. Complete evaluations and recommendations to support

purchase bids on Real Estate and supporting assets.

. Understand and utilize legal regulations in all fifty

states to support recapture, limit exposure, and negotiate

to reduce asset loss.

US Bancorp, (formerly Firstar), Milwaukee, WI

1998- 2000

Transfer Agent Accountant

. Evaluated and determined daily fund value for assigned funds,

providing general ledger accounting for assigned funds in

compliance with SEC regulations, calculating net asset value,

income accruals and capital gains/losses, and preparing financial

statements for various internal and external departments.

. Strong working knowledge of financial service systems such as Par

Systems, Fiserv, & Hogan.

McDonald's Corp., Franklin, WI

1993 - 1998

Swing Manager

. Managed production during shifts, directed crew to achieve high

service standards, completed daily cash/labor reports, and

developed weekly schedules for all staff.

EDUCATION

Concordia University, Mequon, WI

. MBA

. Dual emphasis on Finance and Risk Management

. December 2001

Concordia University, Mequon, WI

. Masters' Program Physical Therapy (MPT completed)

Concordia University, Mequon, WI

. Bachelor of Science - Sports Medicine

. Minor: Biology, Physiology

. May 1998

Certifications

CFA certification completed 2005.

IMPAX Sales Training completed 2008.

OMEGA Credit Training certification completed 2008.

Leadership Advantage training-2007-2008

Certified Trainer at US Bank for Commercial Lending and Credit

Analysis.

COMMUNITY/VOLUNTEER INVOLVEMENT

VA Hospital, Milwaukee, WI 1994 - 1999

Badger State Games Summer 1999, 2000

Briggs and Stratton run/walk 1997 - 2001

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