Manager Vice President

Mr. Lindsay Sandham

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

Wheat Ridge, Colorado, 80033

321-***-**** Cell – voice mail

e-mail: **************@***.***

Objective

• To continue my career at an executive level within a financial institution.

Accomplishments

• Currently employed as Senior Vice President Chief Credit Officer

• 20 years of lending and credit bank experience in commercial, consumer,

residential and special assets, within a $100 million bank to a $622 billion bank

• 10 years of managerial experience supervising up to 32 direct reports,

• Wrote bank’s loan policy for current and previous bank to include credit,

administration, underwriting, risk rating, appraisal, loan products, construction,

government guaranteed programs, OREO and ALLL, along with procedures,

• Executive member of a bank team to coordinate the successful sale of a troubled

financial institution,

• Instrumental in determining the appropriate risk ratings within the bank’s loan

portfolio,

• During my current tenure, I have reduced the problem loan portfolio by 57%,

nonaccrual loans by 53%, past due accounts from 16% of the total loan portfolio

to 4%, with approximately 75% of the nonaccrual loan continuing to pay,

• Recipient of CIBC Chairman’s Award for excellence in risk management, RBC

Royal Award for outstanding sales, and SunTrust Employee Excellence Award,

• Successfully implemented a national construction loan monitoring program,

• Facilitate director’s credit committee,

• Member of ALCO (asset liability committee),

• Prepare annual departmental budgets, and have successfully managed within

budget,

Qualities & Expertise

• Manager, coach, team player, diversified, creative, and results oriented

• Analytical problem solver with strategic business planning experience

• Proven expertise in developing written loan policy, procedures and guidelines

• Formal credit training, extensive financial statement analysis

• Proficient with financial spreadsheets and credit applications

• Allocation for loan and lease loss (ALLL)

• Extensive special assets experience

Professional Experience

NATIVE AMERICAN BANK – Denver, Colorado ($100 million in assets)

August 2008 – Present

Senior Vice President, Chief Credit Officer

• Wrote bank’s loan policy to include credit administration, underwriting, risk

rating, appraisal, loan products, construction, government guaranteed programs,

OREO and ALLL

• Administer the bank’s loan policy and procedures while maintaining the bank’s

credit risk and exposure

• Act as principal liaison with the Office of the Comptroller of the Currency,

Federal Reserve Board, external auditors and other regulatory agencies to ensure

compliance with bank policy as well as state and federal legislation

• Manage the credit, loan operations and loan servicing departments for a $100

million commercial / residential / consumer financial institution

• Manage the bank’s special assets portfolio of performing and non performing

problem loans

• Prepare annual departmental budget and strategic plan

• Approve credit within delegated authority

• Provide and present monthly Board of Director’s reports and Allocation for Loan

and Lease Loss.

• Facilitate the Director’s Loan Committee meetings

• Member of Bank’s Asset Liability Committee (ALCO)

• Deliver individual performance reviews and annual incentives

FEDERAL TRUST BANK – Orlando, Florida ($750 million in assets)

January 2007 – August 2008

Senior Vice President, Chief Credit Officer

• Administer the bank’s loan policy and procedures while maintaining the bank’s

credit risk and exposure

• Act as principal liaison with the Federal Reserve Board, Office of Thrift

Supervision, external auditors and other regulatory agencies to ensure compliance

with bank policy as well as state and federal legislation

• Manage the credit, loan operations and loan servicing departments for a $750

million commercial / residential / consumer financial institution

• Manage the bank’s special assets portfolio of performing and non performing

problem loans

• Prepare annual departmental budget and strategic plan

• Approve credit within delegated authority

• Provide and present monthly Board of Director’s reports and Allocation for Loan

and Lease Loss.

• Facilitate Director’s Loan Committee meetings

• Member of Bank’s Asset Liability Committee (ALCO)

• Deliver individual performance reviews and annual incentives

SEACOAST NATIONAL BANK – Stuart, Florida ($2 billion in assets)

2005 – 2006

Vice President, Credit

• Manage a commercial credit department with a $1.5 billion total portfolio

• Write credit policy to ensure compliance with regulatory requirements

• Prepare monthly management reports as well as annual departmental budget and

business plan

• Represent credit department at Officer Loan Committee and Board of Directors’

Meetings

• Deliver individual performance reviews and annual incentives

SUNTRUST BANK INCORPORATED – Orlando, Florida ($189 billion in assets)

2004 – 2005

Vice President, Team Leader – 2005

• Manage a $1 billion Business Banking portfolio team comprised of 18 portfolio

managers, 9 collectors and 2 portfolio assistants

• Report on the overall performance of the Business Banking portfolio as it pertains

to risk management

• Responsible for all administrative and operational functions

• Approve all loans over individual lending authority as well as all risk rating

changes and transfers to special assets

• Deliver annual performance reviews

• Received SunTrust Employee Excellence Award

Assistant Vice President – Portfolio Management 2004 – 2005

• Manage, underwrite and approve the North and North Central Florida business

banking portfolio

• Responsible for recommending, approving, declining or amending the terms and

conditions of loans including construction financing, commercial mortgages, term

loans, operating lines of credit and letters of credit

• Responsible for the management of the past due report, liquid collateral report

and watch list portfolio report by ensuring appropriate due diligence is maintained

• Transfer accounts to Special Assets in a timely manner

• Ensure document exceptions are corrected

• Train new employees on financial spread sheet analysis, credit authorization and

due diligence

EQUISTAR FINANCIAL CORPORATION – St. Petersburg, Florida

2003 (contract position)

Funding Manager

• Supervise and manage the processing, funding and post closing departments to

ensure accuracy of mortgage documentation and wire amounts including the

planning, operations, organization, staffing and compliance for the departments

CANADIAN IMPERIAL BANK OF COMMERCE (CIBC) – ($336 billion in assets)

1994 – 2002

Senior Business Adviser 2000 - 2002

• Manage a loan and investment portfolio of $100 million dollars

• Manage, supervise, mentor and train a Business Advisory Team on risk and

regulatory policies and procedures

• Champion the team to deliver a complex, integrated offer providing both

commercial and personal credit and investments to include delivering an

integrated financial plan to customers

• Clientele consists of agricultural, automotive, hospitality, industrial,

manufacturing, professionals, service and real estate (developers and management

companies)

• Responsible for increasing profitability while minimizing risk to the bank

Commercial Manager - Atlantic Knowledge Based Business 1999 - 2000

• Develop a Knowledge Based Business marketing strategy for Atlantic Canada,

and manage a portfolio of new clients

• Form a referral network base to include hi-tech / KBB organizations, federal /

provincial / municipal departments and agencies, professional and financial

partners, universities and research facilities

• Obtain new financial and product knowledge to include project financing,

mezzanine sub-debt, mergers and acquisitions, equity placements and IPO's

• Experience in superior credit risk management involving a comprehensive due

diligence process (i.e. the ability to think outside the box)

Risk Manager - Special Supervision Unit, Credit Risk Management 1994 - 1999

• Manage a commercial special assets portfolio of high risk watch list and non-

performing accounts to include enforcement of security

• Maintain and pursue an active liaison with lawyers, trustees in bankruptcy,

receivers, liquidators, and CIBC General Managers and Regional Vice President

as appropriate

• Function as a risk advisor within the region to include formal and informal

consultations and presentations with individual account managers and general

managers on credit risk management, credit presentation and loan documentation

• Perform individual and center loan portfolio audits to determine risk and

compliance

• Responsible for all litigation proceedings within the portfolio, legal documents,

letters of demand, intention to enforce security and court documents as

appropriate

• Represent the bank in commercial credit as it pertains to legal disputes

(discoveries, litigation, petitions, and appointments)

• Received CIBC Chairman’s Award in 1997 for excellence in risk management

and underwriting

Interim Center Manager, Business Banking Center July 1997 - December 1997

• Appointed as Interim Manager pending the hiring of a permanent replacement

after conducting an in-depth portfolio audit

• Responsible for restructuring small business and private banking centers into one

• Responsible for managing and coaching a center consisting of 7 Account

Managers, 1 Small Business Representative, and 5 Account Service

Representatives

• Implement quarterly sales targets and tracking system

• Responsible for the preparation and delivery of the annual employee performance

reviews

ROYAL BANK OF CANADA ($622 billion in assets)

1990 – 1993

Account Manager - Niagara Business Banking Center

• Analyze small to medium sized company's financial statements to develop new

commercial banking relationships

• Successfully promote business banking products to clients to include all

commercial credit, corporate visa, group retirement savings plans, automated

payroll, night deposits, electronic banking, etc.

• Responsible for developing an integrated banking offer with business clientele to

include the sale and authorization of personal products: mortgages, personal

loans, deposits, visas, etc.

• Received Royal Bank's Top Performer Award in 1992 for excellence in sales

Education

B.B.E. Brock University, St. Catharines, Ontario 1981

Business Economics

B.A. Brock University, St. Catharines, Ontario 1980

Economics

Professional Designations

P.F.P. Canadian Securities Institute

Professional Financial Planner

C.S.C Canadian Securities Institute

Canadian Securities License, Securities Trader

I.F.C. Institute of Canadian Bankers

Investment Funds in Canada

Mutual Funds License

I.B.A.M Royal Bank of Canada (formal credit training)

Independent Business Account Manager Certificate

Professional Associations

RMA Current President of Rocky Mountain RMA Chapter 2009

Contact this candidate