Management Director

CLINT E. WILLIAMS

**** ******* ***** . *****, ** 84403

801-***-**** abls6y@r.postjobfree.com

PROFESSIONAL BACKGROUND

Executive with deep turnaround experience with severely underperforming

businesses, driving financial and operating initiatives and leading

institutions at the Senior Management level

I am a seasoned executive with in-depth experience managing severely

underperforming operations and, as turnaround agent and leader. I have

motivated teams of professionals to deliver superior results under extreme

competition and difficult economic conditions. I have an exceptional track

record innovating, designing and driving operating initiatives to increase

revenues while concurrently managing fixed and variable expenses. I have

been a champion of talent with a passionate commitment to developing and

motivating teams under stressful operating conditions. I have a strategic

mindset and a proven ability to implement technological systems and

strategic solutions to improve operating performance, efficiencies of scale

and productivity; ultimately contributing to bottom line results and

improving shareholder value.

CAREER ACCOMPLISHMENTS

CENTENNIAL BANK, Ogden, UT 2003 - 2010

As CEO, reported to the Board and managed all affairs of this Utah-based

commercial Bank; closed by FDIC in 2010

President and Chief Executive Officer; Board Director

. Hired by the Board as turnaround agent for failing Utah-based bank;

took over leadership role while bank was under regulatory cease and

desist order

. During tenure, achieved growth in assets of 133% to $205MM; ranked top

20 for highest ROA for banks under $250MM

. Under economic stress in Real Estate markets, bank was unable to

sustain required capital levels to meet Regulatory standards

. Provided leadership oversight for bank post-regulatory (FDIC) closure

. Direct reports: 5 Number of employees: 55

TRANSPORTATION ALLIANCE BANK, Ogden, UT 1999 - 2003

Responsible for the operations and day-to-day management for this FDIC

insured Industrial Loan Company, reporting directly to the Board;

Transportation Alliance Bank is wholly- owned by Flying J., Inc.

President and Chief Operating Officer, Board Director

. Established new Industrial Loan Company startup for Flying J, Inc.,

parent company of Transportation Alliance

. Successfully grew bank assets to $110MM in under 4 years; realized

profitability within 17 months of tenure, representing 19-months ahead

of forecasted profitability

. Opened loan production office and established leasing and small

business lending divisions to generate incremental revenue

. Direct reports: 4 Number of employees: 130

FIRST COMMERCE BANK, Logan, UT 1993 - 1998

As CEO, responsible for the operations and day-to-day management for this

Utah-based commercial bank; reported directly to the Board of Directors

President and Chief Executive Officer, Board Director

. Successfully advanced growth in assets by 286% during 5-year tenure;

increased earnings from ROA of .32% to a 3-year average of 1.85%

. Led the opening of 2 new offices and new mortgage lending business;

combined initiatives generated 25% of total revenues within 12 months

of operations; ranked top 20 for highest ROA for banks under $250MM

. Increased bank stock value from $9.60 to $23.04 during 5-year tenure

prior to the Bank being sold for a multiple of book to Bank of Utah

(1998)

. Direct reports: 4 Number of employees: 30

CLINT E. WILLIAMS abls6y@r.postjobfree.com

page 2

WASATCH BANK, Orem, UT 1988 - 1993

As CEO, responsible for the operations and day-to-day management for this

Utah-based commercial bank; reported directly to the Board of Directors;

sold for a multiple of book to Zions First National Bank (1993)

Chief Executive Officer

. Turnaround agent for failing bank; provided leadership oversight

resulting in growth in bank assets by 206% during 5-year tenure

resulting in bringing organization to one of the highest performing

banks in the nation

. Opened new subsidiary operation introducing insurance and annuity

business, resulting in successful operation generating 40% of total

revenues within 7 months of operation

. Successfully turned around return on assets from -.72% to +2.32% and

improved shareholder return on equity from -9.43% to +28.49% during 5-

year tenure as CEO

. Paid strict attention to operating productivity, with significant

emphasis placed on reducing overhead; efficiency ratio realized a

dramatic decline from 102.64% to 55.95% during tenure

. Direct reports: 4 Number of employees: 51

Other Positions Include:

Central Bank & Trust, progressed from internal auditor to operating and

leadership positions including Senior Vice President and Chief Operating

Officer

Zions First National Bank, hired initially as operations supervisor and

progressed to regional leadership position in an operating capacity

KEY SKILLS AND ATTRIBUTES

Complex Problem Solving Turnaround Agent

Monitoring

Motivating Under Stress Risk Management

Developing Talent

Strategic Mindset Operating Efficiency

Well-organized

Establishing Business Plans Motivating/Mentoring People

Active Listener

Coordination Critical Thinking

Negotiating

EDUCATION

UNIVERSITY OF WISCONSIN SCHOOL OF BANKING, Madison, WI 1985

Three Year Professional Certification in Operations Management; organized

under Bank Administration Institute (BAI)

BRIGHAM YOUNG UNIVERSITY, Provo, UT

Matriculated with intended major in English with intent to obtain pre-law

undergraduate degree; Bachelor's Degree not completed.

LEADERSHIP/COMMUNITY

Board Positions: Junior Achievement of Utah (Director and member)

Utah Bankers Association (Director and member; Legislative

Committee, Convention Committee, Security Committee member)

Bank Administration Institute, Central Utah Chapter (President, Board

member and general member)

Utah Valley Community College (Advisory Board member,

President's Business Advisory Board)

Bankers' Bank of the West, Denver, CO (Director and

member)

Community: Two-time guest lecturer, Brigham Young University Marriott

School of Business (2006 - 2007)

Served numerous times as principal representative to

industry associations, government agencies and business

associations

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