Manager Sales

Chris R. Ridener

OBJECTIVE: To obtain a position as a Commercial Portfolio Manager

CAREER LEVEL: Mid Career: 15 years - Banking Industry

Date of Availability: 1-2 weeks

EXPERIENCE

Mar 2005 - Mar 2010 Ohio Valley Financial Group

Henderson, KY

Vice President & Credit Manager

My primary responsibility was to set and enforce credit policy and

procedures for the loan department. I performed all credit analysis for

commercial borrowers whose aggregate indebtedness ranged from $100,000 -

$3,000,000+. I made recommendations on loan structure & pricing, aided

lenders in the management of maturing loans and often met with the customer

and lender to ask additional questions regarding financial statements,

management ability, etc. I also monitored past dues, non-accruals and

charge offs for negative trends and made recommendations to senior

management to correct such negative trends. I prepared a quarterly

narrative that outlined the current state of our national and local

economies and projected the potential impact on our loan portfolio. I was

responsible for risk grading the loan portfolio, which was in excess of

$165 Million. I also managed the Allowance for Loan & Lease Losses to

ensure that adequate allocations had been made, and made recommendations to

senior management regarding the level of our monthly provision. I

monitored trends in the loan portfolio and potential concentrations of

credit. I managed four (4) other members of the Credit Department and was

the leader of our CPE (Continuous Process Enhancement) Team. I was awarded

Employee of the Year my first full year at Ohio Valley.

Dec 1999 - Mar 2005 First State Bank (German American

Bancorp) Tell City, IN

Assistant Vice President

My primary responsibility was developing and maintaining both consumer and

commercial banking relationships. I was one of the top sales people in the

holding company for life and disability insurance premiums on loans. I

also managed our online banking services, credit card sales, ACH software

sales and merchant services. I performed and presented loan reviews on a

monthly basis and assisted other lenders with commercial credit analysis as

needed. From July 2004 through March 2005, I helped the holding company

establish a formal credit department. I also designed the templates that

would be used for analysis and credit presentations.

May 1999 - Dec 1999 Civitas Bank

Terre Haute, IN

Commercial Loan Officer - Emphasis on commercial loans to small businesses

- approximate $15,000,000 portfolio. At age 23, I was the youngest

commercial lender for the holding company.

Jun 1998 - Apr 1999 Civitas Bank

Evansville, IN

Commercial Credit Analyst II

I was responsible for analyzing commercial credit relationships ranging

from $1,000,000 - $15,000,000. The primary focus was to understand how the

business operates, summarize its primary sources and uses of cash and

conduct an analysis of the financial information to determine credit-

worthiness.

EDUCATION

Aug 1994 - Dec 1997 Western Kentucky University

Bowling Green, KY

B.S. Degree in Accounting - cum laude

President of Beta Gamma Sigma - professional business fraternity (top 7% of

business college).

Officer of Beta Alpha Psi - professional fraternity for Accounting.

OMEGA course - Commercial Loans to Small Businesses

Indiana Bankers Association (IBA) - Various seminars on analyzing personal

and business cash flow.

AFFILIATIONS

Apr 2000 - Jul 2004 Indiana Junior Chamber of Commerce

Tell City, IN

I held the positions of President and Treasurer prior to relocating.

SKILLS: Microsoft Office and can learn any other software quickly.

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