RICHARD DAVID HUNNICUTT

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

Eustis, Fl 32736

352-***-**** (Residence), 407-***-**** (Cell) e-mail:

abmqr1@r.postjobfree.com

PROFILE

Executive level leadership experience with Fannie Mae, Colonial Bank,

Weyerhaeuser Mortgage, GMAC Mortgage, Barnett Bank, and Sun Bank.

Residential Lending Policies and Procedures

Construction/Perm Loans Regulatory Compliance

Builder Lines of Credit Secondary Market

Departmental Management Acq. & Dev. Loans

Special Assets Mgmt. Project Loans

PROFESSIONAL EXPERIENCE

Private Consultant 10/07 to Present

Provide consultation to various regional community banks and members of

Wall Street pertaining to real estate lending conditions. Additionally have

completed several contracts relating to loan underwriting, due diligence,

and loan restructure loan up to $2.0 mil.

Pinnacle Financial Corporation, Orlando, FL 02/07 to 10/07

Senior Vice President, Construction Lending Manager

Responsible for PFC's Construction lending program in the state of Florida

and on a national basis. Indentified/managed non-performing loans and

converted over $3.5 mill to permanent loans

First Horizon Home Loans, Orlando, Fl 2005-

2006

Vice President, Florida Construction/Perm Manager

. Assumed/managed a $300 mil. portfolio of one time close construction

loans which included all aspects of underwriting, training, marketing,

administration, and non-performing loans (loan classification, reporting,

legal interface, marketing, and liquidation. . First ninety days

indentified $150.0 mil of non-performing loans; . Commenced procedures to

rectify and complete construction; . Successful in converting $25.0 plus

to permanent loans; . Interface with in-house legal to rectify the

remaining $150.0 mil. before the office was closed; . Loan authority up to

$2.0 mil.

VALLEY NATIONAL BANK, Jacksonville, Fl. 2005

Vice President, SE Region Manager

Formed and established a mortgage loan production office for the southeast

region.

WACHOVIA MORTGAGE CORPORATION, Jacksonville, Fl 2002-2004

Vice President, Construction/Perm Business Development Officer

Primary point of contact for Market Leaders, Regional Sales Managers,

Commercial Regional Manager, Service Center Partners, and Loan Originators

regarding construction/perm mortgage lending business development

Conduct product training seminars and sales call to increase market

penetration

Serve as resource for all CP line questions and the handling of non-

performing and REO in its footprint.

Establish and maintain partnership with Commercial Lending Group to

identify and increase sales opportunities

FANNIE MAE, Atlanta, Georgia 1997- 2001

Senior Business Manager, Southeastern Region (12 states)

Directed the implementation and management of Fannie Mae's HomeStyle

products, which included home improvement loans, second mortgages, energy

loans, and construction/perm loans, in the southeast region covering 12

states.

Approved and trained sixty lenders to originate and deliver HomeStyle Rehab

and HomeStyle Construction to Perm loans. Provided guidance to the lenders

on this program in matters pertaining to non-performing loans and REO

management of this product type.

COLONIAL BANK, Orlando, Florida 1996 - 1997

Vice President, Residential Lending

Responsible for residential construction lending production and all aspects

of non-performing loans and REO asset management in central Florida

Responsible for management of assigned accounts which included day to day

monitoring, committee write ups and presentations

Responsible for the issuance of commitment letters on builder revolvers,

A&D loans and the closing of same.

WEYERHAEUSER MORTGAGE COMPANY, Tampa, Fl. 1995 - 1996

Director, Southeast Builder Services

Managed all builder business development in the Southeast, including

development of construction/perm lending, builders' approvals, and training

of loan officers in builder business development and construction/perm

lending.

Assisted and coordinated builder sales calls and presentations.

GMAC MORTGAGE CORP. OF PA. Elkins Park, Pa. 1991-1995

Vice President, National Construction Lending Manager

Implemented a pilot construction/permanent loan program for the state of

Florida, which would go nationwide. This included the legal design and

secondary market parameters.

Responsible for the overall administration and management of the program as

it related to production, non-performing loan and REO management .

Conducted training sessions for retail production personnel in the

origination and negotiation of construction/perm mortgages.

Transferred to Elkins Park to manage the expansion of the construction-

lending program on a national basis.

Managed the overall design, implementation and administration of both

construction/perm loans and builder lines of credit per each specific

state's requirements including all aspects of REO management.

Directed all aspects of this lending discipline such as training, product

development, and interface with legal and underwriting departments,

preparation of all committee presentations, etc. Implemented in 17 states

by August 1995 with over $80.0 mil. in production in outstanding builder

commitments and over $50.0 million in closed construction/perm loans.

RESOLUTION TRUST CORPORATION (RTC) 1990-1991

Private Contractor

Performed due diligence on failed savings and loan associations.

MID-STATE FEDERAL SAVINGS BANK, Ocala, FL. 1988-1990

Vice President/General Manager, Residential Lending Division

General manager of residential lending and loan administration with

responsibilities for business development, loan program development and

review of real estate lending policies, pricing, and procedures for the

Bank including all aspects of non-performing loans and REO management.

Managed all aspects of production, underwriting, marketing and shipping of

permanent and interim construction loans, wholesale production program, and

the maintenance of relations with FHA, VA, Freddie Mac, and Fannie Mae.

Duties also included the execution of all aspects of REO management.

LOCHAVEN FEDERAL S&L ASSOCIATION, Orlando, FL 1986-1988

Senior Vice President

Manager of real estate lending and administration with responsibilities for

business development, loan program development and

review of real estate lending policies, pricing, procedures, non-performing

loans and REO management for the Association.

BARNETT BANK OF CENTRAL FLORIDA, Winter Park, FL 1985-1986

Vice President

Manager of real estate department with responsibilities for business

development and monitoring of real estate lending policies for Orange and

Seminole counties.

Liaison between Bank and Barnett Mortgage Company.

Personal credit authority of $350,000.

SUN BANK, NA, Orlando, FL. 1973-1985

Vice President-Residential Lending

Overall delegated and functional authority and responsibility for

residential real estate loans of Sun Banks of Florida, Inc. and Sun Bank,

NA, including the management of all non-performing loans and REO assets,

i.e. obtaining ownership, legal interface, report processing, marketing,

and liquidation.

Participated in the design, development and monitoring of residential real

estate lending policies, pricing and procedures on a statewide basis.

Responsible for the development and dissemination of new residential

products as well as continued testing of the existing product lines. This

included all aspects of production, underwriting, marketing, warehousing,

and shipping of both permanent and interim construction loans.

Personal credit authority of $1,000,000.

EDUCATION/ TRAINING

Graduate, School of Mortgage Banking, Northwestern University, Evanston, IL

Various MBA and Industry Courses and Seminars, Completed Omega Commercial

and Consumer Lending Courses, Various Correspondent Courses from MBAA,

Various Credit Training Programs, Appraisal Courses, Sun Bank, Orlando, FL

'73-1985

Middle Georgia Jr. College, 1968-1969

MILITARY

US Navy, Honorable Discharge 1967

Viet Nam 1965-1967

Top Secret Clearance

LICENSES AND APPROVALS

Licensed Mortgage Broker, State of Florida

Fannie Mae Underwriter

VA Automatic Underwriter

FHA DE Underwriter

TECHNICAL SKILLS

Word, Excel, PowerPoint, LotusNotes, HP41CV, HP12C

ACHIEVEMENTS

Recipient of Brown L. Whatley Award, Mortgage Banker's Association of

Florida, 1985

PROFESSIONAL AFFILIATIONS

Past President - Mortgage Bankers Association of Florida, 1989-1990; Past

Chairman - MPAC Committee - MBA of Florida

Past Chairman - MPAC Committee - MBA of Florida; Member - BBQ Committee -

HBA of Mid-Florida, 17 years

Past President - Mortgage Bankers Association of Central Florida, 1977-1978

Past Member - Legislative Committee, Winter Park Chamber of Commerce

Past Chairman - MPAC Committee - MBA of Florida; Various Committee Chairs

at the Board of Realtors 15 years

Contact this candidate