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Real Estate Marketing

Colorado Springs, Colorado, 80904, United States
May 24, 2010

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rience: 22 years as Bank President and CEO, 30 plus years banking


Home 719-***-****, Cell 270-***-****, email

Areas of Expertise:

-Excellent managerial skills particularly in the area employee motivation

and utilization.

-Flexible and creative in meeting and overcoming significant managerial


-Ability to utilize limited resources to obtain maximum benefit.

-Demonstrated track record in business development.

-Community involvement at a high level in numerous organizations.

-Tripled the asset size of Community First Bank in three years.

-Quadrupled loan portfolio of Hacienda Bank in three years.

-Reduction of problem assets while maintaining and developing new customer


-Frequent public speaker at civic organizations, schools.

-Innovative marketing and advertising programs including live daily radio


-Headed or assisted on sixteen mainframe computer conversions.

Business Strengths:

-Success oriented approach through team building and superior customer


-Superior communication skills, both oral and written.

-I feel I am an outstanding leader and motivator of people.

-I am an innovator, which tends to keep organizations on the cutting edge

industry wise.

-Ability to turn around unprofitable situations to profitable ones.

-Good financial and technological skills.

-Board relationships built on the basis of the Board being the customer.

-Excellent relationship with all (O.C.C., F.D.I.C., Federal Reserve, and

O.T.S.) examiners.

- I was an F.D.I.C. bank liquidator in Texas during the real estate crash

in the mid-80's

Civic Involvement:

-Madisonville Rotary Club - Board Member, President-Elect

-Madisonville Chamber of Commerce - Businessman of the Year

-Madisonville Y.M.C.A. - Board Member

-Madisonville Economic Development Corporation - Board Member

-Big Brothers, Big Sisters - Board Member

-Santa Maria Valley Economic Development Association - President,

responsible for helping expand existing business and bringing new business

to the community.

-Santa Maria Valley Chamber of Commerce - Board Member

-Santa Barbara Foundation - North County Board Member

-Santa Barbara County Work Force Investment Board - Board Member

-United Way - Board Member

-Orcutt United Soccer Association - Soccer Coach

-Pottsboro Chamber of Commerce - President

-Whitesboro Chamber of Commerce - Citizen of the Year


1991 Southern Methodist University, Dallas,

TX M.B.A. (with high honors)

1982 B. A. I. Graduate School of Auditing,

Madison, WI Graduate

1978 University of Montana Missoula, MT

Bachelor of Arts Business Finance (with honors)

Professional Development:

-Robert Morris and Associates

-Bank Compliance Group Seminars

-Numerous banking seminars, classes and workshops

-Professor of Business Finance at the University of Phoenix Online


2008 to Present - Pueblo Bank and Trust Company

Pueblo, Colorado

President and C.E.O.

- Completely reorganized a $350 million Bank, with a 10 branches in six

markets, a $100 million trust department and is one of 11 banks nationally

with an I.S.O. operation.

- Currently working the Bank out of an M.O.U.

- Assisted in collecting, shoring up and managing $121 million, now $69

million in classified assets, which ranked number one in the state.

- Assisted the Holding Company in raising $16.7 million in new capital.

- Reorganized the Bank operationally and implemented a cross training

program which resulted in reducing staff from 182 to 132 and counting.

- Created innovative marketing and advertising programs including a daily

live radio program called "Business Perspective".

- Interviewed live on FOX Business News (National) regarding the banking


2001 to 2008 - Community First Bank Madisonville,


Chairman, President and C.E.O.

- Reversed shrinking asset base to annualized growth of 35% per year,

making the Bank the fourth fastest growing bank in the State, in a market

with average growth of 2%.

- Raised $4.2 million in new capital.

- Reversed increasing six figure losses to profits in 2004 before opening

the Bank's first branch.

- Created innovative marketing and advertising programs, including a daily

live radio program on banking, money and financial topics.

- Converted a mutual state savings charter to a federal mutual charter.

- Awarded the 2004-2005 Small Businessman of the Year by the Chamber of


- Bank sold for 1.8 times book, cash.

1993 to 2001 - Hacienda Bank Santa Maria,


President and C.E.O.

- Tripled Asset size from $18 million to $56 million.

- Quadrupled the loan portfolio from $9 million to $40 million.

- Expanded the Bank from one to four locations in less than two years.

- Created innovative marketing and advertising programs including four

daily live radio programs.

- Took a "5" rated bank in Special Assets (Washington D.C.) to a "2" rating

over three consecutive years.

- Reduced classified assets from $6.5 million (608% of tier one capital) to


- Reduced overhead by 45%, cutting overall staffing 55%.

- Successfully re-capitalized Bank.

- Reversed consecutive losses of nearly $1 million each six-figure profits.

- Bank sold, the sale price of which was 13 times more than when I became

the CEO.

1987 to 1992 - First National Bank of Pottsboro

Pottsboro, Texas

President and C.E.O.

- Took over Presidency of a troubled institution, in which former C.E.O.

was imprisoned for embezzlement.

- Reduced classified assets from $3.8MM (175% of capital) to $1.5MM (68% of

capital) during the height of the Texas Banking crisis.

- Reduced total past due loans from 17.4% (10.7% over 90 days) to 2.2%

(0.3% over 90 days).

- Reduced overhead by 15%, in part, by reducing personnel expense by 33%.

- Improved the Bank's profitability from ($250M) per year to $340M in 1992.

- Revised and implemented new policies and procedures covering all areas of

the Bank.

- Bank sold, sales price of which increased fourfold from the time I became


1986 to 1987 - Security Bank of Whitesboro

Whitesboro, Texas

Executive Vice President, Director

- Succeeded, as the lead member of senior management, in the removal of a

Cease and Desist Order.

- Developed and implemented an entire loan administration program as

directed by the Cease and Desist Order.

- Administered and developed a loan portfolio of $13MM (700 customers).

- Past dues were reduced from 8.3% to 2.1% and reduced assigned criticized

assets by 23%.

- Administered 65% of the Bank's criticized assets, including all Other

Real Estate Owned.

References available upon request

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