Administrative Assistant Management

Eugene H. (Hil) Cassell, Jr.

*** ********* ****, **********, ** 27023

v336-***-****; email:***********@*******.***

Summary: Seasoned risk manger seeking senior position within

enterprise/credit risk management environment.

. Founded/managed commercial loan department. .

Supervised/Directed Commercial Real Estate production.

. Developed accounting & general ledger system. .

Forecasted balance sheet and P&L for multiple departments.

. Pioneered new product development. . Evaluated

dozens of projects/business plans each year.

PROFESSIONAL EXPERIENCE

ALLEGACY FEDERAL CREDIT UNION, Winston-Salem, North Carolina.

February 2004- March 2010

Created the commercial loan department with one junior officer and one

administrative assistant from the ground up while collecting $30M a month

in fees and gross interest billings of over $600M per month. Profitable

within ninety days of hire. Originated over $100MM with a locked spread

of 205bps over the past five years. Average credit relationship $1.7MM.

Lending authority: $1MM unsecured, $3MM secured, $3MM cash management

exposure.

. Authored business loan policy, including risk grade descriptions, for

commercial & industrial loans, commercial real estate and corporate

cards.

. Directed the project management team that bought the software,

mind mapped the process, integrated and implemented the accounting and

reporting functions to CFO and COO.

. Oversaw market condition analysis to asset liability committee.

. Recommended changes to loan and risk grade policies to COO and

presented annually to the board.

. Achieved profitability in 90 days through origination and

participation programs.

. Hunted, approved, skinned and performed annual reviews across a

variety of industries including construction-commercial and residential,

lodging, manufacturing, medical, franchise, service and securitization

markets.

. Independently drafted recommendations for value-added, credit analysis

to identify and mitigate risk.

. Credit analysis includes self designed pricing models, financial

analysis, cash flow projections and market analysis in concert with

national due diligence models.

. Defended portfolio through business partner, regulatory, and external

audits.

. Tested annually, the perfection of collateral documents and covenant

compliance.

. Independent balancing monthly of commercial loan system with general

ledger accounting system.

. Voting member of ALCO, Senior Credit, Portfolio Credit Risk, and

Investment committees.

. Stress test modeling for IRR and corporate liquidity reviews with CFO.

. Joint development with COO of Probability of Default, Loss Given

Default and Exposure Given Default similar to Basel II standards for

geographic, industry, and quality concentrations.

. Developed and trained subordinate staff including management succession

candidates.

LEXINGTON STATE BANK, Winston-Salem, North Carolina.

August 1999-February 2004

Hired for business development skills ultimately employed as workout

specialist following a loan officer fraud. Renegotiated and troubled

accounts represented over 60% of account load while maintaining positive

month over month growth in portfolio. Loan authority: $500M unsecured,

$1M secured, $500M retail.

. Commercial business development within a central lending environment.

. OREO management.

. Portfolio structured finance products.

BANK ONE, Huntington, West Virginia

November 1996-August 1999

Brought in as a consultant shortly after the aggregation of 16 banks

while running three independent core systems concurrently. Ultimately

replace the senior account officer that started a community bank with his

largest account. Originated $2MM per month in loan production mostly CRE

and capital market products. Loan authority: $1MM unsecured, $5MM

secured, $10MM cash management/overdraft exposure.

. Maintained local portfolio and originated local C&I and CRE

credits while acting as Master Servicer under Pooling Service

Agreement to local banks.

. Bank One WV, was the largest independent operation under the Bank

One umbrella and we maintained a higher Moody's and SP rating than

the corporate BancOne. Secondary market, credit enhancements, counter

party risk and rate swaps were under my control.

. M&A activity was strong and concentrated in hospital/nursing

homes and manufacturing.

. Most CRE construction origination was under IRB rules of

engagement.

PHAEDO CORPORATION, Savannah, Georgia

Formed and capitalized four LLC's with a partner for leveraged derivate

trading in financials and metals. We routinely traded notional amounts

equal to 12M times equity within four specialized risk management

systems. All LLC's were profitable over any 6 month period while under my

control. We had full discretion over the underlying equity accounts and

commodity accounts while passing full audits by the CFTC, our external

auditors, and peer reviews without comment.

. President, CFO and COO of a registered, privately held Hedge Fund

(Commodity Trading Advisor).

. Series 3, 7 and 63 SEC registered representative.

. Lead trader and aggregate position manager for three PHD's in

mathematics.

. Implemented loss mitigation strategies with fuzzy logic models

while motivating performance.

C&S/SOVRAN (VIRGINIA NATIONAL BANK, NATIONSBANK, BANK OF AMERICA)

. In fifteen years and six locations, promoted through the ranks

from repo man, REIT Special Assets, Retail- Commercial, Agricultural

loan production to Commercial Account Officer Level II.

EDUCATION:

. LSU School of Banking of the South

. Roanoke College BBA (Accounting, Economics, Psychology)

. UVA Commercial Lending I & II

. VPI Agricultural Lending School

. Eleven other schools in sales, credit, or collections

REFERENCES are available upon request.

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