Real Estate Manager

Nathan Haberichter

***** *. *********, *******, ** 67206

316-***-**** (h) *********@***.***

Professional Summary: Goal oriented and high performance individual with

proven skills in various areas of the commercial credit function. Possesses

a solid background in Special Assets, Loan Review, Credit Administration

and Commercial Lending (CRE, C&I, Agriculture).

Professional Experience

Equity Bank, Wichita, KS

2003-Present

Currently Equity Bank is a $425MM National Bank, with 10 offices, 100

employees, specializing in C&I, CRE and Mortgage loans.

Direct and Current Responsibilities

. Loan Review (2006-2010): Review policy-driven scope of bank's loan

portfolio for compliance with regulatory directives, policy standards

and appropriate risk rating. Document findings and work with account

officers for resolutions. Direct preparation of monthly Classified

Asset Report from core system data and ensure accuracy.

. Special Assets (2006-2010): Lead discussions; formulate plans and

procedures for implementing strategies for the best approach and

methods to handle criticized assets (Substandard and non-performing).

The objective of the meetings is to strengthen the bank's overall

position and minimize loss of capital.

. OREO Manager (2003-2010): Direct and manage Other Real Estate Owned

(OREO) once legal action has commenced or property has transferred to

banks ownership. Work with Attorneys, Contractors, Realtors and

Venders to liquidate assets with no additional or minimal loss to the

bank. Handled and liquidated in excess of 50 properties in late 2008

and 2009 valued at $4.5MM in six states.

. Allowance for Loan and Lease Losses (ALLL (2003-2010): Develop ALLL

methodology and analysis to comply with Accounting and Regulatory

Guidance. Established measurement systems based on Historical and

Peer Factors. Ensure the ALLL and classified loans comply with FASB

114 and FASB 5. Make recommendations for allowance provisions to

Credit Committee and Board of Directors. Methodology and analysis has

under gone several OCC and SEC Compliant Audits.

. Credit Committee Member (2003-2010): Member of the Senior Credit

Committee, which sets credit policies and approves credits within the

standards of the approved policy.

. OCC Examinations and SEC Compliant Audit (2003-2010): Work with OCC

Examiners and Auditors while on and off site for various examinations

and audits. Prepare, compile and review information and files for

Annual Regulatory Examinations. Respond to inquiries from Examiners

and Auditors for additional material, information and questions on

loans, OREO and Criticized Assets during Exams and Audits.

. Credit Administration (2003-2010): Complete and review various loan

reports for the Board of Directors and Management. Develop and

implement a Concentration of Credit tracking report for the entire

loan portfolio including CRE (Commercial Real Estate) purposes. Work

with associates to develop various procedures and policies for credit

and loan operations area; specifically a Commercial Real Estate

Appraisal process to comply with a Regulatory Directive and Guidance

for the ordering and reviewing of commercial real estate appraisals.

Other Experiences and Directives

. Formal Agreement (2003-2005): Equity Bank was under an 11-article

Formal Agreement from the OCC prior to 2003 related to prior ownership

and management. Developed and implemented various credit systems,

procedures and processes to help lift the Formal Agreement within two

exam cycles (24 months).

. Due Diligence (2004-2009): Serve as Credit Leader and team member for

Equity Bank during due diligence process on four different potential

or actual acquisitions ($45MM, $75MM, $65MM, and $675 MM). Structured

scope of assets to review, determine potential losses on acquired

assets, and ensured acquisition accounting complied with FASB 114 &

SOP 03-03 on purchased loans.

Nathan Haberichter

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Other experiences and Directives (cont.)

. Loan Officer (2003-2006): Responsible for servicing an existing loan

portfolio ($15MM) and business development of new customers for

various types of bank products and services. Work with customers to

understand their specific credit needs then formulate and structure

the credit arrangements to comply with bank's policy and standards.

(CRE, C&I and Ag. and SBA Lending).

. Credit Group Manager (2003-2009): Create and implement training

process and procedures for inexperienced personnel of the Credit

Department. Work with and review work of personnel to ensure accurate,

concise and complete credit analysis and presentations for approval by

Senior Credit Committee.

Central Bank and Trust, Hutchinson, Kansas

2000-2003

Currently Central Bank and Trust is a $225MM State Bank, with 6 Offices, 85

employees, specializing in C&I, Ag. Lending and Mortgage loans.

. Loan Officer: Responsible for servicing an existing loan portfolio

($13.5MM) and business development of new customers for various types

of bank products and services. Work with Commercial, Agricultural and

Consumer customers to establish and negotiate terms and conditions for

specific credit needs. Formulate projections with customers for

Annual Operating Lines of Credit. Measure and monitor financial

information to ensure compliance with loan agreements. Specializing in

Agriculture Lending (crop, livestock and feed yard financing). Work

with customers and the local Farm Service Agency to obtain FSA

Guaranties when necessary.

Sunflower Bank, Salina, Kansas

1992-2000

Currently Sunflower Bank is a $1.8-billion National Bank with 33 branch

locations throughout Kansas and Colorado. Specializing in commercial and

corporate services, personal solutions, wealth management and mortgage

loans.

. Loan Officer (1997-2000): Charged with the development and growth

of a Commercial and Agricultural loan portfolio. Develop and

implement a personal sales strategy to grow loan portfolio.

Contact potential and existing customers for bank products and

services. Conducted Credit and Collateral inspections on all bank

Agriculture loans on a statewide level.

. Loan Review (1996-1997): Measure existing bank loans for compliance

with regulatory and policy standards. Document findings and work

with account officers for resolutions. Work with Sr. Review

Officer on portfolio reviews in individual markets and specific

account officers.

. Credit Manager (1992-1996): Hired to create and develop Credit

Underwriting Department. Implemented various processes and

procedures for the underwriting of commercial and agriculture loans

to ensure sound credit decisions were reached by account level

officers and approving officers.

. Special Asset Secretary: Attend weekly meetings; maintain records

of actions and strategies to reduce level of criticized assets.

Education

Kansas Wesleyan University, Salina, Kansas

B.S. Business Finance - 1992

Maintain active License for the sale of Health and Life Insurance in the

state of Kansas.

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