Sales Real Estate

RICHARD R. ROBBINS

**** *. **** ******, **** #***

Denver, CO 80210

Home/Office 720-***-**** – mobile 847-***-**** -- Email: ***********@*****.***

KEY COMPETENCIES

Proven hands-on leader with a successful track record in Banking focused on Commercial Loans

and High Net Worth Borrowers and Depositors, viewed as The Rainmaker and Key

Spokesperson for The Bank. I began my Business career in sales at Kraft Foods and held

several Senior Management and Marketing Positions at Corporate Offices throughout the

country: transitioned into Finance and rose to the challenge of becoming a Bank President

and Chief Operating Officer. My broad base of experiences includes sales, finance,

operations, marketing, budgeting, cost control, construction, acquisition, legal, customer

relations, risk and compliance. Skilled at building new, long term customer relationships,

while maintaining strong core business relationships. Consistently exceeded assigned

revenue goals, creatively developed and executed new business strategies and monitored

competitive marketplace activity on behalf of Senior Management.

PROFESSIONAL EXPERIENCE

THE ORVIS COMPANY, INC. 2012-CURRENT

Actively engaged in Denver Area Sales, Customer Support and Mail-Order Catalog Business for ORVIS.

• Provide increased awareness of the Orvis Brand by communicating a consistent message to

Orvis customers.

• Utilize the power of the Company's multiple customer contact points to create stronger marketing

opportunities and Brand awareness.

• Optimize the synergy and power of integrated multi-channel marketing to create compelling offers

while providing convenient shopping experience.

3R FINANCIAL GROUP- 2009– 2012

CONSULTING- FINANCE

Provided complex contract consulting services with a focus in Asset Evaluation and Asset Recovery to a

major Chicago law firm and private investors.

• Provide alternative solutions to clients and their financial institutions in an unstable real estate

market for the restructuring of non-performing bank assets, loan modifications and takeout loans.

• Develop strategies for efficiently managing loans in default with a focus on increasing the assets

value via lease-up or sale. Short-term goal was to complete unfinished build-out of the structure,

generate at least an1.25+ DCR cash flow via lease-up and Long-term goal of selling the asset at

a premium price.

• Successfully negotiated the purchase of note/mortgage & assignments of real estate loans at

discounts as low as 36% of par.

• Earned respect from both Federal Regulators and Investors by acting quickly to stabilize assets.

BUSINESS DEVELOPMENT

Read local business publications, meet with Investors and analyze published FDIC quarterly Call Reports

and enforcement actions for select Banks to determine their strengths, weaknesses and opportunities to

acquire non-performing real estate assets. Extensive financial analytical skills ; valuation, cash flow

analysis, key ratios ROE, ROA, NOI and Financial Capital Ratios.

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BANK OF LINCOLNWOOD 2002– 2009

A privately held Community Bank with total assets in excess of $250 million. The Bank offered a broad

range of financial products and services, with a core loan concentration in commercial real estate

projects.

Chairman of Bank, Appointed by Special Director Committee

My most Challenging Assignment was being appointed Chairman of The Bank by The Bank’s Board of

Directors in association with the FDIC during the extensive downturn in the Real Estate Market, starting in

2007-year. The Federal Reserve and Regulators recognized my honesty, integrity and strong desire to

protect the assets and depositors of the Bank. The assignment was extremely stressful, very broad in

scope and rewarding due to my success at completing the required task.

President of Bank and Chief Operating Officer

Key spokesperson and highly active banker who grew loan production to the levels that directors and

ownership desired. A member of the Bank’s Board of Directors, providing a broad range of opinions and

counsel on operations, loan presentations for funding consideration, new deposit gathering and marketing

programs to increase the Bank’s overall performance. Led an organization of 65 dedicated employees,

including eight direct reports. Accountable for an average outstanding loan portfolio of $185 million and

return on equity in the 25% to 35% range.

Management Experiences:

• Supervised all functional department managers for the Bank, including finance, operations,

marketing, legal, customer relations, oversight and compliance.

• Managed tight controls for the underwriting of loans and cost containment.

• Forecasted new loan funding and loan payoffs, cost of funds, interest rates and net margins.

• Set goals for functional departments and evaluated progress against objectives.

• Member of the Board of Directors - kept board apprised of all important matters. Co-

chaired a Special Director Committee formed to manage the Bank through its requirements instituted

by regulators. Established and communicated meeting agendas and facilitated Special Director

Committee discussions on a weekly basis to make key decisions.

Key accomplishments:

• Originated over $500 million in new loans over a 7-year period.

• Accessed new loan production opportunities such as loan participations in National DIP Syndications;

which yielded 20%+ increases in net income, 10%+ loan growth and 50%+ increases in origination

fees.

• Doubled loan origination fee income from $500,000 per year to upwards of $1.2 million/yr.

• Focused on 24 month short-term loans, with a 50% loan runoff/yr. Grew net interest margins.

• Interacted with key customers, on-site, to insure preferred bank and cross sell programs.

• Protected all Bank depositors via structured deposits to meet FDIC insurance program.

Loan & Operations Departments:

Responsible for key direct reports including EVP Commercial Loans, EVP Operations and select VP

Officers for Commercial Loans. Managed an average portfolio of $185 million in outstanding loans,

interacted with customers, attended on-site project progress reviews and insured funding requests

were in-balance. The loan officers were also responsible for underwriting of loans, formal loan

presentations to Directors for consideration, documentation and insuring loans were performing

according to the terms of the loan covenant agreement.

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Performance:

The Banks performance ranking published by Crain’s Chicago Business, improved dramatically over a

seven year period. The ranking report is based upon ROA. In 2002 the Bank of Lincolnwood was ranked

221st of 245 Chicago area banks. Starting in the 2005, the Bank was consistently ranked in the top 20 of

245 banks. The strong annual growth in ROA was due to the addition of 100+ new customer/ business

relationships.

Kraft General Foods - Sales & Marketing 1981 – 2002

Started with entry level positions and was steadily promoted to top assignments at Kraft Foods

Headquarters, including National Trade Promotion Manager, Marketing Manager and Channel Manager

for both Balance Bar and Maxwell House Coffee. Consistent personal promotions led to moves to New

York, Boston, Miami, San Francisco and Chicago.

Key accomplishments - Headquarters:

• Managed the integration of Kraft Foods Regional acquisition of Balance Bar in January, 2000 into

a National rollout. Introduced Balance Bar to the Kraft National Sales Organization in conjunction

with Brand Management. Set budgets, timelines, distribution objectives and warehouse supply

chain, whereby enabling a successful product launch.

• Responsible for the National allocation of trade promotion funds. Utilized historical trends,

national syndicated data, equitable funding analysis and regional funding requests to efficiently

meet budgets, improve market share and successful new product introductions.

• Communicated brand specific plans and expectations to the National Sales Organization.

Key accomplishments - Field Sales:

• Held several management positions throughout the country. Effectively managed sales teams and

corporate accounts at Territory, District and Regional Levels.

• Exceeded sales budgets and created high performing sales teams.

• Leveraged the broad base of Kraft brands to create cross category promotional activity.

OTHER EXPERIENCE

Guest lecturer at University of Chicago and Lake Forest Graduate School of Management for their MBA

students. Topics of lectures included the operations of a bank, overview of how banks determined the

credit worthiness of customer requests, marketing and sales.

EDUCATION

MBA Lake Forest Graduate School of Management

2002

(Graduated with honors, 2-years)

Bachelors of Business Mercer University – Stetson School of Business and Economics

Emory University – Summer International English Program

VOLINTEER WORK

• Habitat for Humanity, often work once per week at their Re-Store in Denver, CO.

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