Real Estate Sales

Ellison W. Powell

*** ****** *****, ********, ** 29909

abnbje@r.postjobfree.com 843-***-**** / 312-***-****

Executive Summary

25+ Years Experience ~ Credit Executive / Lender (CRE / C&I / RETAIL / ABL)

Superior Credit Knowledge ~ Workouts / Restructures

Coach / Mentor ~ Trainer

Career Experience

2007 - 2009

Executive Vice-President and Chief Credit Officer, Woodlands Bank,

Bluffton, SC

Primary Responsibilities: Credit Quality, Credit Administration, Loan

Operations, Loan Policy, Procedure and Process, Loan Review, and

Workout Loans. Loan portfolio concentrated in construction and

permanent commercial and residential real estate.

Accomplishments:

. Establish Commercial and Retail Loan Underwriting standards,

Loan Approval structure, Loan Policy, Procedure and Process.

. Lead / coach / train Credit and Commercial / Retail Lending

staff of 20 in 4 states.

. Supervise and upgrade Loan Operations staff of 6 to pro-active

status.

. Direct Commercial and Retail Loan Collections to exceed

expectations.

. Create pro-active Credit area.

. Develop / implement Strategic Plan with defined objective

measurements.

. Establish / Upgrade Report preparation and utilization.

. Upgrade Loan Presentations through training / coaching the

credit and lending staff to meet expectations.

. Establish / implement internal and external Loan Review.

. $750,000 Signature Lending Authority.

. Present all Director's Loan Committee communication and Loan

Proposals.

. Present all Loan / Credit related portions of Board

communication.

2004 - 2007

First Vice-President of Credit Administration, Bloomingdale Bank and Trust,

Bloomingdale, IL

Primary responsibilities: Credit Quality, Credit Administration, Loan

Policy, Procedure and Process, and Workout Loans. Loan Portfolio

concentrated in machine tooling, printing, and plastic injection

molding.

Accomplishments:

. Revise Commercial and Retail Loan Underwriting standards, Loan

Approval structure, Loan Policy, Procedure and Process.

. Lead / coach / train Credit and Lending staff of 15.

. Lead Omega Commercial Loan and Commercial Real Estate Loan

training series.

. Resolve problem loan relationships aggregating over $30MM; each

completed with losses below estimate, on-time and on-budget.

. Create pro-active Credit area.

. Develop / implement Strategic Plan with defined objective

measurements.

. Improve accuracy of financial statement spreads.

. Establish written financial statement analysis.

. Establish covenant tracking.

. Upgrade report preparation.

. Develop and Implement objective Commercial and Retail risk

rating matrices.

. Upgrade Loan Presentations through training / coaching the

credit and lending staff to meet expectations.

. Implement peer review and objective measurement systems.

. Upgrade Asset-based Field Audit program.

. Seminar Leader for Effective Communication.

. Seminar Leader for Credit Analysis software.

2003 - 2004

Senior Vice-President of Credit Administration, CIB Marine Bancshares,

Inc., Chicago, IL

Primary responsibilities: Credit Quality, Credit Administration, Loan

Policy, Procedure and Process. Loan Portfolio concentrated in Real

Estate developers and Senior Citizens housing.

Accomplishments:

. Lead / coach / train Credit and Lending staff of 20.

. Lead Omega Commercial Loan and Commercial Real Estate Loan

training series.

. During the final year with CIB, revised Commercial and Retail

Loan Underwriting standards, Loan Approval structure, Loan

Policy, Procedure and Process.

. Extensive experience in underwriting all phases of commercial

real estate, including land development, single, multi-family,

commercial and industrial construction, condo conversions,

senior citizens housing, strip and life-style centers etc.

. Establish Asset-based Field Audit program.

1998 - 2003

Senior Vice-President of Credit Administration, CIB Marine Bancshares,

Inc., Chicago, IL

Primary responsibilities: Work-out Loans.

Accomplishments:

. Resolve problem loan relationships aggregating over $150MM; each

completed with losses below estimate, on-time and on-budget.

1984 - 1998

Senior Vice-President and Chief Credit Officer, Mercantile Bank, Freeport,

IL

Primary responsibilities: Develop / implement / lead the joint sales /

credit culture while improving Credit Quality. Also responsible for

Credit Administration, Loan Review, Due Diligence, Loan Policy,

Procedure and Process, and Workout Loans. Multi-department

supervision.

Accomplishments:

. Improve loan quality to consistent Regulatory Grade 1 Ranking.

. Develop and Implement objective Commercial and Retail risk

rating matrices.

. Direct Commercial and Retail Loan Collections to exceed

expectations.

. Re-structure the Commercial Lending and Credit Risk areas into

collaborative process.

. Establish sales call quotas, measurements, results, and follow-

up.

. Over a five-year period, fee income increased > 400%, and both

loan and deposit volume increased > 100%.

. Implement Incentive Compensation program.

. Lead all Loan Review and Due Diligence processes.

1979-1984

Lending Department Manager, Adrian State Bank, Adrian, MI

Primary responsibilities: New business development, client retention,

loan collections and management.

Education

B. A. (Economics) Hiram College, Hiram, OH

Numerous professional schools / seminars

Completed Omega Train the Trainer series

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