** **** ****** ******

Red Hook, NY *****

845-***-**** (h)

845-***-**** (c)

PHILLIP A. KUDLA ablbes@r.postjobfree.com

QUALIFICATIONS

Skilled credit professional with significant breadth and depth of

experience. Strong communication skills, both written and spoken. Proven

leader in promoting excellence in bank credit cultures. Highly effective

motivator of people in a team setting. Unique capacity to view financial

risk in out-of-the-box ways in order to identify weaknesses in risk

management practices and develop new approaches to those risks. Very

proactive and thorough in staying informed on developments in markets and

the broader economy. Enjoys hard work out of interest in the companies,

industries and people involved.

EXPERIENCE

BANK OF TOKYO-MITSUBISHI UFJ, New York, NY 9/05 - 7/10

Vice President and Senior Examiner, Credit Examination Office for the

Americas

o One of six Senior Examiners acting as Examiners-In-Charge for Credit

Exams in North America.

o Leading problem solver within the Department. Assigned many of the most

challenging Business Unit/Product Area Examinations.

o Managed Examination teams of up to 10 people.

o Acted as primary mentor of junior staff.

o Assessed Asset Quality and the assigned Credit Ratings of examined

Business Unit portfolios.

o Evaluated Credit Risk Management practices of examined Business Units.

o Prepared final written reports on Examinations for senior management of

the Bank, covering rating changes and weaknesses in examined Business

Units' Credit Risk Management practices.

o Interfaced with management of examined Business Units to develop

satisfactory corrective actions in Credit Risk Management practices where

needed and to monitor progress executing corrective action plans

following Exams.

o Raised significant risk issues to the Credit Polity Management Team of

the Bank for consideration when appropriate.

o Exams included U.S. General Corporate Lending, Insurance and Financial

Institutions Lending, Leveraged Lending, Aviation, Shipping and Rail

Leasing, Energy, Project Finance, Japanese Corporate Lending, Canadian

Corporate Lending, Loan Syndications, Loan Trading, Credit Derivatives

and Bank Funding operations.

o Performed Continuous Risk Assessment (ongoing throughout the year) of

assigned business units including Insurance and Financial Institutions,

Loan Syndications and Secondary Loan Trading, Credit Portfolio Management

operations (consisting of CDS activities, CLO investment portfolio and

proprietary trading desk) and the Global Markets Division (including bank

funding and bank liquidity management, Asset Liability Management and

derivatives marketing and trading).

o Authored portions of Bank's General Credit Policy as part of an

enhancement of Credit Risk Management practices at the Bank.

o Developed and taught unique Logic for Bankers training that taught

logical and critical thinking as key components of credit analysis.

THE BANK OF NEW YORK, New York, NY 11/02 - 12/04

Vice President, Financial Services Credit:

o Responsible for analysis of new credit exposure and monitoring of

existing credit exposure to investment fund customers of BNY Investment

Management Banking Division.

o Intensive monitoring and workout responsibility with some troubled mutual

fund and hedge fund customers.

o Special project review of Division credit agreements to assess strengths

and weaknesses.

o Loan types included Committed Revolving Credit Facilities, Advised Credit

Lines and Guidance Lines.

o Transactions included General Corporate Use Facilities to investment fund

managers, Short-Term Liquidity Facilities to specific investment funds

and various custody, trading, FX and interest rate protection

arrangements with associated credit risk.

TOKAI BANK, New York, NY 11/99 - 9/01

Vice President, Credit Review of the Americas:

o Responsible for the evaluation and credit ratings of loans in portfolio.

o Monitored condition of loan portfolio and flagged deterioration in credit

quality of individual loans where appropriate.

o Reviewed quality of loan monitoring by lending officers and credit

analysts and recommended action steps to improve loan monitoring where

appropriate.

o Identified weaknesses in loan structures and communicated steps needed to

strengthen Bank's position to lending officers.

o Reviewed several hundred Bank transactions with both U.S. multinational

and Japanese companies.

o Loan types included Lines of Credit, Revolving Credit Facilities, Term

Loans, Letters of Credit, Leveraged Leases and several Asset Backed

Security Investments.

o Transactions included various funding purposes in a wide variety of

industries.

KEYBANK, Newburgh, NY 11/97 - 3/99

Vice President, Senior Credit Analyst:

o Responsible for the evaluation of corporate lending opportunities.

o Determined appropriate loan structures.

o Met with customer's senior management to review customer credit and

collateral characteristics.

o Researched industry and reviewed customer competitive strategy.

o Assessed lending risks and mitigants.

o Prepared formal presentations for Bank's credit committees

o Completed analysis of 24 transactions for middle market customers during

tenure at KeyBank.

o Loan types included recapitalizations, specific equipment financings,

ESOP's, acquisitions, bond enhancements, line renewals and line

increases.

o Industries included manufacturing, retail, wholesale, distribution,

trucking, bussing, financial services, barter, printing, laundering,

health care and not-for-profit.

THE CIT GROUP, New York, NY 4/96 - 10/97

Assistant Vice President, Underwriting Manager: 1/97 - 10/97

o Responsible for managing a staff of two Junior and two Senior Credit

Analysts.

o Oversaw the evaluation of corporate lending opportunities being analyzed

by this staff.

o Facilitated the timely analysis of issues.

o Monitored the quality of written documents presented to the Regional and

National Credit Committees.

o Responsible for on-the-job training of Junior Credit Analysts.

o Completed training seminars in employee management techniques and

employee performance evaluation.

o Participated in the credit approval process as a member of the Regional

Credit Committee.

Senior Credit Analyst: 4/96 - 12/96

o Responsibilities similar to Senior Credit Analyst at KeyBank.

o Completed analysis of 20 transactions during tenure at CIT.

o Loan types included Formula Based Revolving Credit Facilities and Senior

Secured Term Loans.

o Transaction types included recapitalizations, acquisitions and DIP

financings.

o Industries included manufacturing, retail, wholesale, distribution,

service and trading.

BANKAMERICA BUSINESS CREDIT, New York, NY 3/87 - 3/96

Senior Credit Analyst:

o Responsibilities similar to Senior Credit Analyst at KeyBank.

o Completed analysis of 45 transactions during tenure at Bank of America

including transactions with several Fortune 1000 Companies.

o Reviewed hundreds of transaction opportunities.

o Loan types included Revolving Credit Facilities, Senior Secured and

Unsecured Term Loans and Subordinated Debt (with and without warrants).

o Transaction types included LBO's, acquisitions, recapitalizations and DIP

financings.

o Industries included manufacturing, retail, wholesale and distribution.

o Completed Bank of America training seminars in credit and industry

analysis, business writing and negotiating skills.

BANKERS TRUST COMPANY, New York, NY 2/84 - 2/87

Associate, Japan Division:

o Responsible for account administration and marketing of Bank's credit and

capital markets products to U.S. subsidiaries of Japanese companies.

o Accounts included Marubeni, Nichimen, Sony and Fuji Bank.

o Products presented included FX and interest rate Swaps and Caps,

Commercial Paper Programs, Lease Financing, Bankers' Acceptances, Standby

and Trade Letters of Credit.

o Particular interest in Japanese U.S. direct investment led to

participation in development of Bank's M&A business with Japanese

companies.

o Completed Bank's 6-month formal credit training program.

o Three month pre-credit training assignment in Foreign Currency Management

Services.

EDUCATION

COLUMBIA BUSINESS SCHOOL, MBA, Finance

o Strong emphasis on corporate finance, advanced accounting, money and

financial markets.

o Dean's list in second semester.

HAMPSHIRE COLLEGE, BA, Philosophy

COMPUTER SKILLS

Strong knowledge of Microsoft Word, Excel and Access. Have worked

extensively with various financial analysis models.

PERSONAL

Married with two daughters. Enjoy running.

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