Vice President Manager

Dennis Miller

**** ***** *’ Lakes Rd., Eagle River, WI 54521 715-***-**** *********@*******.***

Vice President with expertise in commercial lending, compliance, security, general management, operations, sales, marketing,

business development and strategic planning.

Grew commercial loan outstandings from $0 to $37 million.

Originated the highest volume of SBA 7A loans each of 7 years.

Achieved most profitable loan portfolio based on rate, fee income and low delinquencies.

Solid business leader who delivers strong market growth and revenue performance.

Increased market share by 200% in a highly competitive market.

Drove loan growth in excess of 10% for 5 years straight.

Increased market visibility through community involvement and pro-active connections with community leaders.

Creative thinker who boosts profit through organizational development and improvement.

Stream-lined the loan approval process by creating on-line forms, for quicker preparation of documentation, and review.

Improved productivity by designing and writing computer programs to compile and analyze financial statements.

Turnaround expert who utilizes financial background and business savvy to optimize performance.

Reduced delinquencies and charge-offs by implementing an investor referral network to liquidate O.R.E.O. properties.

Maintained career charge-offs under $50,000 (cumulative) through early identification of risk, and effective work-out skills.

Education & Personal

Bachelor’s in Business Administration, University of Wisconsin, Whitewater, WI.

Certificate, Graduate School of Banking, University of Wisconsin, Madison, WI.

US citizen.

Career History

Miller Consulting (Commercial consulting agency)

Owner/Consultant, 2008- Present Eagle River, WI

Analyzed financial statements and implemented operational changes to optimize client business performance.

Participated in Stimulus Programs administered by the U.S. Treasury Dept., including the New Market Tax Credit and

Financial Assistance programs.

River Valley Bank

Vice President, Commercial lending, 2001-2008 Eagle River, WI

Led bank’s S.B.A. 7A program, increasing the guarantied loan portfolio by 400%, increasing profitability and decreasing

credit risk.

Reduced bank’s O.R.E.O. and troubled assets, by working with branch managers to assess credit risk in their portfolios and

liquidated or rehabilitated struggling credits.

Implemented time-saving credit analysis techniques, to stream-line the approval process.

M&I Merchant’s Bank

Vice President, Commercial lending, 2000-2001 Rhinelander, WI

Led team initiative to renumber over 30,000 client accounts to improve corporate profitability.

Retained 400+ commercial clients following migration of lending personnel to local competitor.

Improved productivity by designing and utilizing customized spreadsheets.

Fidelity National Bank

Vice President, Branch Manager, 1998-2000 Appleton, WI

Increased branch deposits from $30MM to 42MM, and loan portfolio from $30MM to $35MM, while maintaining targeted

profitability and high cross-sell ratio.

Established protocols, and SOPs for a newly acquired location, and organized the marketing and outreach programs.

Prior: Vice President, F&M Bank, Kaukauna, WI. Assist Vice President/Branch Manager, M&I Bank, St. Germain, WI.

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