Professional Profile

ROBERT W. WENGER, JR.

PO Box 340594 Sacramento, CA 95834-0594

Phone 916-***-****

e-mail: abpn1k@r.postjobfree.com

Senior Level Manager with more than 35 years experience in Portfolio Management and Business Development, including

Problem Solving, Negotiating, Sales Forecasting, and Marketing. Broad scope of responsibilities include Customer Service,

Budgeting, Operations & Property Management, Loan Workouts, Short/Long Term Credit Analysis, and Business & Banking

Forensics.

SVP, Credit Administrator, Community Business Bank, West Sacramento, CA, 2009 Present

Responsible for management of $120 Million loan portfolio, including loan documentation, financial analysis, credit training,

problem loans, foreclosures and OREO. Monitors and recommends changes in allowance for loan and lease losses. The loan

portfolio includes agricultural, commercial and residential loans.

VP, Manager, Loan Services Department, Gold Country Bank, Marysville, CA, 2006 2009

The Loan Services Department managed loan documentation, financial analysis, credit training, problem loans, foreclosures

and OREO for 5-branch community bank. The loan portfolio included agricultural, commercial and residential loans.

President/Broker, AB Real Estate & Business Services, Inc., Sacramento, CA, 2003 2006

Business Enterprises included: AB Business Consulting, specializing in litigation support, business and banking forensics and

AB Construction, specializing in residential remodeling.

VP, Sr. Commercial Banking Officer, Washington Mutual Bank, Sacramento, CA, 2000 - 2003

One of two relationship managers developing and underwriting business for new regional commercial banking office.

Provided overall customer relationship management by offering a full array of banking products and services and

consultation in budgeting and planning for a diversified portfolio of commercial customers. Provided consistently superior

customer service in order to attract and retain clientele. Member of Washington Mutual s Premier Group, which recognized

employees for superior performance.

VP, Agribusiness Coordinator, Wells Fargo Bank, Sacramento, CA 1999 - 2000

Managed agricultural loan portfolio of $80MM in working capital and term commitments to major, diversified farming,

ranching and agribusiness operations in Northern California. Provided overall customer relationship management and

managed non-agricultural relationships as needed within geographic territory.

VP, Branch Manager, Feather River State Bank, Yuba City, CA 1996 - 1999

Promoted twice to positions of increasing responsibility, becoming manager of one of two vital branches for community bank

with assets over $300MM. Branch was responsible for Bank s SBA loans, equipment leases and non-agricultural commercial

loans. Interfaced with note department on loan and lease documentation and with subsidiary leasing company to

underwrite, purchase and book leases. Bank s trade area included 11 offices in Central and Northern California, serving

agriculture and the business community.

Owner/Manager, Wenger & Company, Sacramento, CA, 1992 1995

Provided finance, real estate, management, receivership, Chapter 11 Bankruptcy Trustee and arbitration and mediation

services. Geographic territory included Central and Northern California.

VP, Manager-Special Assets, Western Farm Credit Bank, Sacramento, CA 1991 1992

Farm Credit, a nationwide GSE, provides credit to the agriculture industry. Managed 11th Farm Credit District real estate

investment portfolio of substandard loans and acquired property, including loan servicing, collections, workouts,

foreclosures, property management and sales. The region served was California, Nevada, Utah, Arizona and Hawaii.

Sr. Agricultural Investment Officer, John Hancock Life Insurance, Sacramento, CA 1977 1991

Promoted twice to positions of increasing responsibility, relocating from the High Plains region and becoming manager of the

Sacramento region. Managed California and Hawaii real estate investment portfolio, including origination, customer service,

collections, workouts, foreclosures and managed joint venture and company-owned agricultural property. Established

property management company to improve control over company-owned property.

EDUCATION

A. A., Northeastern Jr. College, Sterling, CO

B. S., Colorado State University, Ft. Collins, CO

MANAGEMENT DEVELOPMENT COURSEWORK

Graduate Commercial Lending School, ABA

Contractor License Series, Allied Business Schools

7-Course Real Estate Broker Series, University Programs

Mgmt. Training Series, John Hancock Life Ins. Co.

Colorado School of Banking, University of Colorado

Chapter 11 Trustee, U.S. Trustee

Arbitrator Training, American Arbitration Association

Toxic and Hazardous Substance, DBS&R

LICENSES

California Real Estate Broker

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