BRUCE L. WHITED ____________________________________

**** ***** ****** ? Granger, IA 50109 ? 515-***-**** ?

abkhj5@r.postjobfree.com

ACADEMIC TRAINING

AUBURN UNIVERSITY, Auburn, AL, 1993-1997

BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION, August 1997

Degree in Finance

WORK EXPERIENCE

FIRST AMERICAN BANK, Clive, IA

June '10 - present

Special Assets Officer, Special Assets Management

? Actively manage a portfolio of adversely graded commercial credits

? Evaluate risk and loss potential in assigned portfolio reporting

results directly to the board of directors

? Develop action plans and updates to problem loan reports on managed

credits

? Work closely with attorneys on lawsuits and bankruptcies

? Responsible for OREO and recovery efforts on charged off loans

LIBERTY BANK, Clive, IA

April '07 - May '10

Vice President, Loan Review Officer

? Provide objective appraisal to management of commercial and ag loans

and market credit administration

? Identify potential problem loans

? Recommend risk-rating changes upon review of financial history,

performance and credit administration

? Ensure commercial and ag loans are compliant with established loan

policies and federal regulations

? Prepare quarterly CRE / loan concentration reports and CRE stress

testing reports

Assistant Vice President, Commercial Credit Analyst / Consumer

Underwriting June '04 - April '07

? Underwrote and approved commercial equipment leases

? Analyzed commercial operating, commercial real estate, construction

and ag requests

? Evaluated consumer loan requests including 1st and 2nd real estate

mortgage requests

? Ensured credit quality was maintained and decisions were in

compliance with bank policies

? Reviewed and maintained list of approved appraisers

COMMERCIAL FEDERAL BANK, West Des Moines, IA

July '01 - June '04

Indirect Lending Underwriter II - Dealer Services

? Responsible for the evaluation and recommendation of consumer credit

applications

? Provided dealers with prompt decisions and superior customer service

? Maintained loan portfolio in excess of $73 million

? Contributed to net loan volume growth of $99 million in 2002

TRADESMEN COMMUNITY CREDIT UNION, Des Moines, IA

Feb. '00 - July '01

Loan Officer, Collections

? Promptly processed all member loan requests

? Serviced loans from application to closing

? Monitored and maintained Tradesmen Mastercard accounts

MERCANTILE BANK MIDWEST, Waterloo, IA

Jan. '99 - Feb. '00

Consumer Loan Collector

? Collected on delinquent consumer loans

? Charged off severely delinquent accounts

? Kept delinquency under half of a percent of total loan portfolio

ADVANCE AUTO STORES, Opelika, AL

May. '94 - Dec. '98

General Manager, Assistant Manager, Assistant Manager In Training

? Responsible for hiring and maintaining quality retail staff and

resolved customer complaints

? Scheduled 15 employees to maintain customer coverage within budgeted

payroll

? Performed commercial sales calls to obtain sales goals driving

acceptable customer sales averages

FINANCIAL/ SALES SKILLS

? Tracked watch and classified assets to insure appropriate level of

loan loss reserve allocations

? Performed advanced financial trend analysis and made appropriate

risk rating recommendations

? Routinely performed sales calls to develop and maintain dealer

relationships

? Increased monthly loan volume from targeted inactive dealers

? Consistently managed delinquent accounts minimizing charge offs

PROFESSIONAL ORGANIZATIONS / CONTINUING EDUCATION

? Granger Economic Development Association

? Junior Leadership Committee - Liberty Bank

? Loan Review Certification Courses I & II, BAI

Sept. '08- Dec.'08

? Accounting Principles for Financial Professionals, BAI

March '04

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