Vice President High School

Susie M. Rose

* **** ***** **.

Blairsville, GA, 30512

Phone 706-***-**** Mobile 706-***-****

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

Objective

My objective is to obtain a position within a financial institution where cultivation of long term

client relationships can provide mutually beneficial return to both its customers and shareholders.

PROFESSIONAL EXPERIENCE

Nantahala Bank & Trust Company Blairsville, GA 30512

City Executive, Vice President

March 2008 - August 2010

Oversee day to day branch operations of LPO. Recruit high performing personnel. Grow assets

of branch to $23MM. Manage and cultivate commercial loan relationships in conjunction with

alternate funding sources. Assist loan review for the bank. Assist in loan workout situations.

• Personally develop and manage $23MM loan portfolio.

• Assess non performing credits to determine most prudent structure of line to

mitigate losses to include forbearance, TDR’s, Note A/B structures.

• Assisted clients through process of MHLA modifications with multiple mortgage

companies.

• Maintain past dues of 0% in excess of 12 months with most recent quarter end

past dues of 2.1% for branch.

• Maintain Charge offs of less than .75% as a result of defaults

• Cultivate and originate commercial loans in partnership with alternate funding

sources to include TVA, USDA, and SBA

Bank Of Blairsville Blairsville, GA 30512

Commercial Lender, Vice President

April 2005 - March 2008

Develop and cultivate commercial relationships through both loan and deposit product growth.

Train and oversee credit underwriting area. Assist in decision process of credit committee

relationship debts in excess of $1MM. Assist in credit administration with participation of loans

and development of asset quality tracking. Oversee and approve credit decisions at local branch

of four lenders.

• Personally developed and managed $95MM loan portfolio.

• Developed underwriting guidelines for commercial credits.

• Trained credit department to properly underwrite and review commercial credits.

• Maintain 0% Charge offs in personal portfolio.

• Maintain past due percentage of less than 1.25%.

United Community Bank Blairsville, GA 30512

Commercial Lender, Banking Officer

June 1997 - April 2005

Established extensive experience in several key area of the bank to include teller area, loan

operations, commercial loan documentation, loan review analyst, credit analyst, consumer and

commercial lending with emphasis on commercial including SBA lender for the branch.

• Developed and managed personal loan personal loan portfolio of $15MM

• Maintained SBA credit files to include those sold on secondary market.

• Gained extensive experience in regulatory guidelines through loan review of multi

market branches.

• Trained operational loan staff on conversion of loan operations resulting from

mergers and acquisitions.

• Assisted in training loan personnel on key regulatory guidelines.

• Maintain 0% Charge offs in personal portfolio.

• Maintain past due percentage of less than 1%.

Education

Graduate Union County High School 1992

Attended GA College Milledgeville GA

Graduate UGA Terry College of Business Banking School 2007

Graduate of Leadership Union,Union County 2007

Graduate of The Georgia Academy 2009

NAGLE Training completion of SBA Lending

AIB course completion to include Economics, Principals of Banking, Law in Banking, Marketing,

Consumer Lending etc

CBA Consumer Lending School

CBA Commercial Loan Management, Risk Management, Credit Administration etc

Community Involvement

Kiwanis Club Office held currently Vice President, President upcoming October 2010

Chamber of Commerce past board member 2007-2009

NEGA Chapter of the American Red Cross Board Member offices held

Secretary and Vice-chair, currently Chair of Nominating Committee 9 years to present

American Red Cross Union County Committee member 10 years to present

Georgia Mountain Research and Development Center Chair of Community Council 2009-2010

Union County Hazard Mitigation Chair of Critical Facilities and Infrastructure 2009-2010

Blairsville Scottish Festival and Highland Games committee 2005 to present

Union County Middle School Parent Advisory Board 2007-2010

Professional References

See Letters of Recommendation

Additional references

Joseph D. Cooley III Attorney Hulsey Oliver & Mahar 770-***-****

Jeffrey Patterson CCO Nantahala Bank & Trust 828-***-****

Contact this candidate