Andrew S. Montgomery

INDIAN WELLS, CA ***** 760-***-**** ( abhpmp@r.postjobfree.com

( Banking / Financial Executive (

Astute leader and strategist with an impressive record in building and

aligning companies to achieve rapid market acceptance and outperform

competitors in both asset and deposit growth. Unique and extensive startup

success. Over last 13 years, founded and held triple roles as President,

CEO, and Chief Credit Officer of Frontier Bank (1998), El Paseo Bank

Division (2000), and Western Community Bancshares holding company (2002),

with $350M in assets. Dynamic career began at Xerox and Wells Fargo Bank.

Industry expert, speaker, and columnist for American Banker, US Banker,

Desert Sun, and Public Record.

AREAS OF EXPERTISE

Strategic/Tactical Planning Budget/P&L/Forecasting Cost

Control/Reduction

Business Development Sales Cycle Management Change

Management

Team Leadership Marketing/Advertising Branding

PR/Community Awareness HR/Staffing/Training & Development

Employee/Labor Relations

Presentations/Public Speaking Policy/Procedure Development

Project Management

IT Automation and Security Contract Negotiation

Financial Statements

Client Relationship Management Reporting/Regulatory Compliance

Portfolio Management

Mortgage/Comm'l. Loan Underwriting Asset Quality Review

Due Diligence/IPO

SELECTED ACHIEVEMENTS

. Led banks to achieve rankings comparatively high to its peers in earnings

and growth YOY, while maintaining an extremely low cost of funds.

. Developed and revised original business plan and forecasting model for

banks in Utah and California.

. Hired, trained, and managed hundreds of employees; empowered 8 direct

reports in 5 branches.

. Awarded 2 CLEOs for ad campaigns; created marketing materials, including

TV and radio commercials.

. Presented at key conferences such as World Economic Forum (France) and

American Bankers Association (Chicago). Debated the Honorable Ambassador

to France from the Bahrain on the differences between Sharia banking and

community banking in the US.

. Runner-up for Inland Empire Entrepreneur of the Year.

PROFESSIONAL EXPERIENCE

Western Community Bancshares, Inc. / Frontier Bank FSB /

1998 - Present

El Paseo Bank Division, Palm Desert, CA / Park City, UT

Western Community Bancshares is the financial holding company for its

primary subsidiary, Frontier Bank, FSB.

President, Chief Executive Officer, and Chief Credit Officer

(PRESIDENT 2000-2011)(CEO 2003 - 2011)(CCO 2010-2011)

Founded and direct operations of community bank, holding company, and

subsidiaries with $350M in assets, 5 branches (2 states), and 8 direct

reports. Manage budget, P&L, reporting, and regulatory process. Plan,

develop, and execute strategies for marketing, public relations, and

community involvement. Oversee credit administration, loan origination,

underwriting, and servicing. Primary contact for regulators and independent

auditors; interpret and ensure adherence to bank regulations and financial

accounting standards.

. Built a successful premium brand in 2 distinct markets: Palm Desert, CA

and Park City, UT.

. Achieved profitability in first 6 months, with return on average equity

of >20% prior to the financial crisis.

. Created a service culture, enabling bank to attract and maintain an

extremely low cost of deposits.

. Established strong local brand equity through non-profit and civic

boards, writing regular newspaper columns, and appearing on local radio

program (weekly), television ads, and newspaper interviews.

. Launched mortgage lending subsidiary; developed policies/procedures for

loan and underwriting criteria.

. Consistently outperformed the competition, achieving:

. Compound annual asset growth rate: 27.85% vs. peer rate of 14.61%.

. Compound annual deposit growth rate: 26.49% vs. peer rate of

12.45%.

Andrew S. Montgomery 760-***-****

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Western Community Bancshares, Inc. / Frontier Bank FSB /

El Paseo Bank Division, Palm Desert, CA / Park City, UT (continued)

President, El Paseo Bank (2000 - 2006)

Founded and managed community bank division of Frontier Bank, El Paseo

Bank, with 50 employees. Directed all aspects of business operations,

including finances, staffing, marketing, advertising, and client relations.

Oversaw regulatory, audit, and compliance activities.

. Differentiated bank from its competitors and positioned it as a leader in

the community.

. Launched new division that quickly gained market acceptance.

. Outpaced older and more established competitors by attaining $225M+ in

deposits.

. Branded bank as high service, high touch; trained and coached personnel

on service delivery and loan underwriting standards.

. Opened 3 more branches, each achieving profitability in very short

timeframes.

Senior Vice President of Marketing, Frontier Bank (1998 - 2000)

Founding member of a de-novo institution, Frontier Bank, from inception to

launch, then assumed control of marketing division. Wrote most of the

bank's marketing, advertising, collateral, print, and PR materials.

. Established a safe, secure, and operational FDIC insured institution.

. Created original business plan, raised capital, and worked on initial

offering. Acquired regulatory approval, location, and personnel;

developed all relevant policies and procedures.

. Instituted a retail delivery system designed to differentiate bank from

its competitors.

. Positioned bank as a community leader with a reputation as locally owned,

locally operated, and committed to customer service and old-fashioned

values.

. Awarded CLEOs for 2 advertising campaigns.

PRIOR EXPERIENCE

Imperial Bank, Vice President and Commercial Loan Officer

Wells Fargo Bank, Vice President and Business Loan Officer

Xerox, Sales, Finance, and Management Training Programs; Xerox Star Award

Winner

AFFILIATIONS

American Banking Association ... Consumer Banking Association ... Desert

Lyceum ... Children's Discovery Museum ... Variety Club ...Community Blood

Bank ... Coachella Valley Economic Development Committee

TECHNOLOGY

MS Office Suite (Word, Powerpoint, Excel)

EDUCATION

Bachelor of Arts, Political Science, University of Southern California

RMA Cash Flow Analysis Training

Wells Fargo Credit Management and Underwriting Training

Contact this candidate