gary wilkins **** Britlyn Court

Glen Allen, Virginia 23060

abjg1j@r.postjobfree.com 804-***-****

Objective: Opportunity to utilize my Entrepreneurial Spirit and Leadership

Skills to enhance a Company's Finance or Operations Department.

Summary: Over Twenty years experience in Business Financial & Operational

Management.

Proven Business Start-Up, Entrepreneurial and Leadership skills.

Improved Sales, Margins, Profitability while reducing and

controlling Expenses.

Directed high performing Sr. Management and maximized employee

productivity.

Managed Budgets and maintained organization's financial stability.

Experience: GTAT ENTERPRISES, INC., Richmond, VA 2009 -

Present

Owner

Responsibilities:

Currently consulting with the CFO at Marine Credit Union in

Wisconsin.

Assist and mentor Entrepreneurs trying to start or acquire an

existing business. This includes working with various Business

Brokers.

Consult with Small Business Owners in preparing their Business,

Strategic, Financial and Operational Plans.

EVB (EASTERN VIRGINIA BANKSHARES), Tappahannock, VA 2003 - 2008

VP & Risk Manager (6/2006 - 11/2008)

SOUTHSIDE BANK: EVB is the Holding Company for the Bank

VP & CFO/Bank Operations Manager (2/2003 - 6/2006)

Responsibilities:

Senior Management position responsible for strategic growth,

locations and managing the Accounting, Risk and Bank Operations

(Deposit and Lending) divisions of a $1B Community Bank.

Provided advice and guidance to President/CEO and Board of Directors

on financial aspects, operational issues, security, regulatory and

compliance.

Implemented and Tested Policies and Internal Controls (SOX 404) for

various entities within the bank, focusing on Cash, Deposits,

Accounting and Risk.

Prepared, reviewed and reported monthly financials statements and

branch profitability to Sr. Management and Board of Directors.

Prepared Public Funds, SEC Reporting, Franchise Tax, FDIC

assessment, FR2900 and any other bank related documents for outside

regulatory institutions.

Developed all financial plans for Holding Company and its

Subsidiaries, including annual operating and capital budgets, cash

forecasting and setting of deposit rates.

Oversaw the Investment portfolio, Asset Liability Management (ALM)

function and Insurance Policies and Lease Agreements.

Prepared financial analysis for potential Mergers & Acquisitions and

Bank Divestitures.

Coordinated internal & external audits with regulators, examiners

and auditors.

Chairman for the Profitability Committee and a member of the ALCO

Committee, Audit Committee, IT Technology Committee and M&A

Committee

Achievements:

Created Vendor Management program. Reviewed all vendor contracts

which resulted in a reduction in expenses by $60K annually.

Increased credit card portfolio by double digits from 2004 to 2008

by successfully preparing a program geared toward Small Business

Owners.

Successfully created and managed a high performing Bank Operations

Department which supported the bank's Retail Division, Commercial

Lending and Branch Distribution.

Developed complete budget process, including all work papers and

spreadsheets. This allowed Sr. Management to set goals and the

payout of bonuses for all employees.

Created a Branch Profitability report to show whether a branch was

profitable as a stand alone entity and with the allocation of all

backroom operation expenses and revenue.

Successfully worked on consolidating 3 separate chartered banks into

one bank under the Holding Company.

Co-Chaired Sarbanes-Oxley Act (SOX 404) Committee.

GIBMAR, INC., Richmond, VA 1997 - 2003

SVP & CFO/Operations Manager (1997 to 2000)

Responsibilities:

Start-Up of a $14M Holding Company with Entities in the Multi-Unit

Retail/Specialty Shops, Service Establishments, Wholesale Outlets

and Regional DSD Snack Foods Distribution Center.

Raised and maintained Working Capital (Both Debt and Equity).

Mergers & Acquisitions: Find Potential Deals, Deal Negotiations and

Due Diligence.

Oversaw the Financial and the Day to Day Operations of the Holding

Company.

Managed a Leveraged Balance Sheet and Income Statement.

Controlled and reduced expenses while increasing sales, margins and

profitability.

Analyzed and approved budgets and capital expenditures.

Evaluated channel development of new products.

Recruited, hired and implemented Development Action Plan for Sr.

Management team.

Achievements:

Located and evaluated businesses for potential mergers and

acquisition. Acquired and sold several businesses in a six-year

period, achieving a positive rate of return.

Complete start-up experience, including business and strategic

planning, organizing of the operational structure and raising

capital.

Oversee facilities and build out of retail and service

establishments.

Restructured under performing DSD wholesale and distributorship.

Sales increased from 1.2M to 3.3M and other operating expenses were

reduced 22% within a 20 month period.

Prepared and reported strategic, operational, financial and business

valuation reports for President, Investors, Bank and Sr. Management.

Implemented Policy & Procedures to ensure Operational & Financial

stability.

Reengineered routes to maximize sales and profitability in addition

to reducing fuel and truck maintenance cost by 15%.

Developed bonus and incentive programs for all employees. This

helped to reduce attrition, increase sales and maintain a family

atmosphere and a sense of pride and appreciation.

FIDELITY FEDERAL SAVINGS BANK, Richmond, VA 1988 - 1997

Accounting Officer

Responsibilities:

Hired, mentored and managed an efficient Accounting Department.

Managed the Bank's Investment portfolio.

Prepared Budget, 10Q, 10K, Annual Report and other SEC regulatory

reports.

Implemented profit and cost center reporting.

Reviewed and reported monthly TFR and financial statements to CFO

and President.

Assisted State and Federal Auditors & Examiners with Audits &

Examinations.

Member of Cost Reduction Committee and 401-K Committee.

Achievements:

Automated GL, AP and FA computer systems.

Created a 401(k) committee and selected Investment portfolio and

company.

Implemented Profitability Software to help identify profitable

products and customers.

GARY WILKINS page 2

Education: Strayer University, Glen Allen, VA

Bachelors of Science - Accounting

I have taken the Becker courses and I am preparing to take the CPA

Exam.

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