Patrick G. LeFevre

**** ****** ***** 307-***-**** Home

P.O. Box 5213 307-***-**** Work

Etna, WY 83118 307-***-**** Cell

ablztn@r.postjobfree.com

WORK EXPERIENCE

SENIOR CREDIT OFFICER

Rocky Mountain Bank, Wilson, Wyoming April 01, 2009 –

Present

Responsible for all credit administration, credit risk management, and problem loan management

in this $320 Million bank. Work directly with lenders and underwriters to analyze loan

opportunities, construct meaningful underwriting, and channel loan opportunities through the

approval process. Responsible for credit risk management: implementing enhanced internal

controls and working closely with internal audit, including enhanced portfolio monitoring

through stress tests, portfolio evaluation spot-check analysis of watch grade loans, and portfolio

scrub. Work closely with lenders and senior management to generate meaningful problem loan

analysis, action plans, and relationship management. Responsible for CRE analysis and ALLL

analysis, and perform those assignments on a quarterly basis. Direct credit approval authority of

$500,000, and signing authority of $1,000,000.

• Coordinated annual portfolio scrub, including risk assessment, financial analysis, and

coding integrity

• Implemented credit policy revision, and new procedures for credit approval process,

collateral evaluation process, and credit administration

• Developed ALLL methodology and established reserve management process

• Developed CRE methodology and established analysis procedures

• Devised portfolio monitoring and stress-testing methodology

• On-going Review of Regulation O and Regulation W. Provide ongoing, working insight

to Regulation H and Y. Work closely with affiliated entities (private equity capital) to

provide comprehensive relationship management.

REGIONAL CREDIT MANAGER

Wells Fargo Bank, Jackson, Wyoming Oct. 18, 2008 – March 13,

2009

Acquired by Wells Fargo Bank to fill a new position as the regional credit manager for the

Wyoming/Montana private banking group. Position did not materialize subsequent to Wells

Fargo’s acquisition of Wachovia. Experience with Wells Fargo was relegated to special credit

projects within the private bank arena and in conjunction with the recent acquisition.

SVP, CREDIT ADMINISTRATION

The Jackson State Bank & Trust, Jackson, Wyoming June 15, 2005 – Oct. 18, 2008

(Acquired by Wells Fargo Bank on 07/01/2008 and converted to Wells Fargo Bank on 10/18/2008)

Responsible for credit administration and loan support services at the flagship bank ($1.3Billion)

under a five-bank holding company (United Bancorporation of Wyoming, $1.8 Billion). The

portfolio was largely comprised of larger commercial real estate and acquisition/development

loans supported by affluent individuals or private equity capital investors. Strong focus on credit

quality and risk management processes through a well-defined credit policy and loan monitoring

procedures. Direct oversight and actively involved in mentoring and developing staff within the

following departments: Credit Analysis/Underwriting, Loan Processing, Documentation

Imaging, Loan Operations, and Loan Review (34 total direct reports, including 4 administrative

officers).

• Key member of Holding Company loan operations counsel.

• Developed and implemented new policies and procedures to create deeper efficiencies

and consistent practices throughout the company.

• Quarterly monitoring, preparation, and reporting of the ALLL, Problem Loan Reports,

and CRE Reports

• Developed credit training focusing on financial statement analysis, project analysis, cash

flow, and collateral analysis.

• Wrote credit analyst training manual, and implemented formal in-house credit training

• Implemented loan imaging

• Voting member of credit committee

• Managed $40Million in loan participations with non-affiliated banks

• Governed credit administration during a time when assets grew from $650 Million to

$1.3 Billion, Asset quality, earnings, and management ratings were all superior.

VP, CREDIT REVIEW MANAGER

The Jackson State Bank & Trust, Jackson, Wyoming July 01, 2003 – June 15,

2005

Hired by The Jackson State Bank & Trust to develop a meaningful credit review function at the

bank. Monitored 2 staff members.

• Devised credit risk parameters, statistical parameters, and target samples

• Re-defined credit risk ratings

• Devised the formal line card process, implemented monitoring process

• Devised the report of examination and reported findings and recommendations directly to

the Board of Directors

• Conducted 8 quarterly target examinations over a 2-year period. Reviewed

approximately 75% of the loan portfolio each year.

SENIOR CREDIT EXAMINER

Zions Bancorporation, Las Vegas, Nevada Sept. 21, 2001 – April

15, 2003

Based at Nevada State Bank, a $4 Billion subsidiary of Zions Bancorporation. Specifically

assigned to conduct and perform period loan reviews of traditional commercial and commercial

real estate portfolios in Las Vegas and Reno, as well as private client services portfolios in Las

Vegas. Also, participated on numerous commercial credit examinations and loan audits for

various affiliated banks within this $40 Billion banking enterprise.

AVP, LOAN REVIEW OFFICER

Compass Bank, Birmingham, Alabama Aug. 08, 2000 – Sept. 13 2001

Conducted and performed periodic commercial credit examinations and loan audits for various

commercial and commercial real estate lending divisions within this $35 Billion banking

institution. Assigned portfolios included Birmingham Commercial (traditional C&I),

Birmingham Commercial Real Estate, Southern States Asset Based Lending, and Small Business

Factoring.

BANK EXAMINER

Comptroller of the Currency, Billings, Montana June 01, 1998 – Aug. 01,

2000

Bank examiner in the Montana, Wyoming, Idaho, and Utah region. Principal emphasis on credit

review and capital adequacy.

BRANCH LENDER

Cashmere Valley Bank, Wenatchee, Washington July 01, 1996 – May 28,

1998

Originated and underwrote loans for walk-in consumer and commercial loan clientele at a $450

Million regional bank in Central Washington. Taught AIB courses (Introduction to Banking,

Spanish for Bankers I and II, Banking Economics).

EDUCATION

Pacific Coast Banking School (PCBS), University of Washington, Seattle, WA

Graduate 2010

University of North Alabama, Florence, AL

MBA - Corporate Management, Graduated December, 2007

• Graduated Summa Cum Laude

Eastern Washington University, Spokane, WA

BBA - Major in Finance, Minor in Economics, Graduated June, 1995

• Graduated Magna Cum Laude

• Professional Internship with Prudential Securities

Ricks College, Rexburg, ID

AS – Math, Graduated 1993

Mission Peru, Lima North

May 1990 to May 1992

National Credit School, Washington, D.C.

Office of the Comptroller of the Currency (August 1999)

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