Management Manager

Joseph G. Kimble, Jr.

*** ***** ***

Williamson, Georgia 30292

770-***-**** (home); 770-***-**** (cell)

*.********@*****.***

Executive Summary

Accomplished Executive with experience in a number of areas of

Commercial Banking including credit, portfolio management,

corporate banking, business development, work outs treasury

management and trust. Most recently Chief Credit Officer of

a billion dollar community bank in Middle Georgia.

Successful businessman and entrepreneur and CEO took a

troubled company and restored it to profitability in

eighteen months.

Key Accomplishments

. Revision of all credit policies.

. Introduced new loan approval process and problem loan management.

. Created more insightful management reports and portfolio analysis.

. Led due diligence on several acquisitions and potential acquisitions.

. Grew startup company to $3MM in revenues in three years

. As CEO managed a 35% reduction classified assets and return to

profitability in eighteen months.

Professional Experience:

Chief Credit Officer United Bank, Griffin, Georgia 2003 -December, 2012

Recruited in 2003 as the Senior Lender for two divisions. Managed existing

portfolio of approximately $15MM, generated $10MM in new business. Promoted

in 2005 to Senior Credit Officer and Chief Credit Officer in 2006).

Responsible for credit function of a one billion dollar community bank,

including credit policy, portfolio management, liaison with state and

federal regulators, and working with Division Presidents and lenders.

Direct reports include Credit Department including loan department and

appraisal area. Chairman of the Credit Committee, member of ALCO and Audit

Committees.

Accomplishments included the following:

. Revision of General and Real Estate Loan Policies.

. Development and implementation of "exception codes" to track and

analyze policy and regulatory exceptions.

. Creation of new Loan Approval Forms to improve and develop consistency

in underwriting.

. Consumer Pricing Matrix to improve consistency in pricing, compensate

the bank for risk and increase net interest margin.

. Review system of criticized/classified assets; saw a 14% percent

reduction in problem assets.

. Imaging of all credit and collateral files.

. "Lunch & Learn" seminars to address topics such as new FDIC

regulations, changes in loan policies, bankruptcy law, commercial

underwriting and documentation.

. Led due diligence teams on loss share and non loss share acquisitions.

. Develop management trainees program to better train commercial and

consumer lenders

Joseph G. Kimble, Jr.

Page 2

Vice President, Whitney National Bank, New Orleans, Louisiana

2003

Relationship Manager in Northshore Business Banking Office. Responsible for

working with new and existing customers of three branches, managed $15MM

portfolio. Produced over $5MM in loans in approximately six months.

Managing Partner, Horton Homes of Hammond, Hammond, Louisiana. 1996- 2003

Organized company in 1997; responsible for all marketing, finance, warranty

work, relationships with suppliers, banks, finance companies and

manufacturer. Grew to two locations, twelve employees and $3MM in sales in

three years; worked for a local community bank during start up period.

Senior Vice President at Nations Bank,/Bank South, Atlanta

1989-1996

Called on middle market companies ($20MM to $(500MM) both in state and

regionally that included a cross section of industries, including retail,

lumber, manufacturing and shipbuilding. Originated various types of credit

facilities and financing including asset based revolvers, equipment and

plant financing, rolling stock and specialized vessels. Worked extensively

with Treasury Management, Trust and Capital Markets. Won "MVP" award for

three successive years for business development and numerous credit quality

citations.

President, Southern Heritage Bank, Winterville, Georgia. 1987-

1989

Recruited to "turn around" a "de novo" bank operating under a "Memorandum"

with Federal and State Regulators. Developed and implemented credit review

program and loan, liquidity and investment policies. Reduced classified

assets by 35%, overhead by 14% and increased fee income by 18% and earned a

profit from operations within seventeen months. Company was subsequently

sold at a profit to shareholders.

Began career in Planning and Economics Department at Amoco Production

Company and banking career at the First National Bank of Commerce, New

Orleans, LA as a Senior Credit Analysts; account officer in Metro Accounts.

Subsequently worked First National Bank of Jefferson (acquired by Hibernia

National Bank and Jefferson Guaranty Bank.

Professional & Civic

. Involved in numerous organizations including Forward Atlanta,

United Way, Junior Achievement, and YMCA Capital Drive.

. Member of RMA

. Volunteer Instructor at Gideon Elementary School, Atlanta.

. Member of Bank South's Customer First Task Force".

. Southeast Chapter President and member of the Board of

Directors, Louisiana Manufactured Housing Association.

. Instructor in Credit Policy, GBA Banking School. Athens

. Past Instructor of Money & Banking and Economics at Dominican

College, New Orleans, Louisiana

EDUCATION:

MBA-Economics & Finance, University of New Orleans.

BA Education, University of New Orleans.

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