Manager Real Estate

WILLIAM ELLSWORTH JENNE

**** ******* *****, *********, ******** 21048

(H) 410-***-**** (C) 410-***-**** *******@*******.***

OBJECTIVE: To apply my skills in business development, relationship

building and financial

management in a dynamic, sales-driven environment built around

designated corporate objectives.

EXPERIENCE:

HOWARD BANK (Ellicott City, MD) August, 2012 - President

Vice President, Relationship Manager

. Business development and relationship manager for fast growing

community bank based in Ellicott City, Maryland

. Target small and medium-size business accounts with revenues up to $50

Million throughout Baltimore metro area

. Howard Bank, with offices in Howard, Anne Arundel & Baltimore

counties, recently celebrated its 8th anniversary and completed a

$10.3 Million capital raise

. Have closed $6 Million in new commercial and industrial loans year-to-

date in 2013 (4 months) with a current Pipeline of over $10 Million in

underwriting

FIRST UNITED BANK & TRUST (Frederick, MD) March, 2009 - August,

2012

Vice President, Commercial Sales Manager

. Managed a commercial banking team as a producing manager, consisting

of 7 commercial loan officers and 2 administrative assistants with an

aggregate loan portfolio of $380 million

. Responsible for maintaining strong loan portfolio quality

. Utilized Loan Authority of $1 Million to approve credit requests that

met the profitability, credit quality and credit concentration

requirements of the bank, and recommended approval of larger loan

facilities to higher approval authorities

. Directed a sales effort including Team Sales goals involving other

areas of the bank such as Treasury Management, Trust & Investments,

Insurance and Retail Banking

. 2011 Team Loan Production of $96 Million exceeded $93 Million goal-

also surpassed personal production goal of $6 Million in 2011

. Geographic market included Western Maryland, Eastern Panhandle of West

Virginia, Northern Virginia, Southwestern Pennsylvania and parts of

metro Baltimore and Washington, D.C.

. Prepareed and reviewed complex financial statements and reports

. Participated on several senior executive committees for the bank

. Responsible for selling commercial loan participations to other bank

partners

. Managed CRA (Community Reinvestment Act) Officer which focused on

extending credit to projects that benefited low-to-moderate income

families

. First United Bank & Trust was the third largest Maryland-based bank in

2011, with assets of $1.5 Billion

SILVERTON BANK (Annapolis, MD) August, 2006 - January,

2009

Senior Vice President, Regional Lending Executive

. Regional Lender for national correspondent bank headquartered in

Atlanta, Georgia

. First regional lender in the Annapolis, Maryland office (which opened

in May, 2006)

. Was responsible for all lending activities in the following markets:

Maryland, Virginia (eastern 2/3rd of State), Delaware, Pennsylvania,

New Jersey, New York, & New England

. Activities included purchasing and selling commercial loan

participations from/to community and regional banks; extending credit

to de novo and established community and regional banks; warehousing

loans for de novo banks; and, originating direct loans to bank

officers and directors

. Hired and managed all lending staff in Maryland office

. Maintained $3 million in dual signature approval authority with a

Regional Credit Officer

. Built and managed $100 million+ loan portfolio (50+ customer

relationships) and maintained strong credit quality throughout the

portfolio

. Maryland office exceeded Silverton's earnings goal in 2008 by $550,000

SUSQUEHANNA BANK (Baltimore, MD) 2004 - 2006

Vice President

. Middle-market commercial banker for $3 billion Maryland subsidiary of

Pennsylvania commercial bank

. Handled Commercial & Industrial lines of business: real estate (owner

and non-owner occupied; acquisition, development & construction),

working capital & equipment financing; cash management

. Trade area included all of Greater Baltimore, parts of suburban

Washington, D.C., southern Pennsylvania & Ocean City, Maryland

. Managed $40 million Commercial & Industrial loan portfolio consisting

of 25 customers

. Generated over $20 million in loan production, $5 million in new

deposits, & $110,000 in fee income in 2005

CHARTER ONE MORTGAGE CORPORATION (Baltimore, MD)

Loan Officer 2002 - 2003

. Mortgage loan officer in Baltimore office for mortgage subsidiary of

Charter One Financial, Inc., one of the 20 largest bank holding

companies in the U.S. at the time (with $40+ billion in assets)

. Responsible for opening new markets in Carroll, Baltimore & Frederick

counties in Maryland; also penetrated markets in southern Pennsylvania

& northern Virginia

. Monthly national Top 25 producer

. Originated annual production of over $35 million (Placed in top 45 of

250 national producers)

. Developed and maintained strong relationships with local builders and

realtors

WESTMINSTER UNION BANK (MERCANTILE BANKSHARES CORP.) (Westminster, MD)

Vice President/Commercial Unit Manager 1995 - 2002

Commercial banking/business development officer for $850 million bank that

was the 3rd largest of the $15 billion, Baltimore, Maryland-based

Mercantile Bankshares Corporation's 21affiliate community banks:

. Managed commercial banking unit (3 lenders and 1 administrative

assistant) with a $150 million+ portfolio consisting of over 200 active

business relationships

. Portfolio included real estate (acquisition and development, construction

and permanent-owner and non-owner occupied), equipment and working

capital financing

. Central Maryland and southern Pennsylvania market area

. Consistently achieved and surpassed annual personal goals

. Underwrote and serviced all of my personal accounts ($30 million

portfolio and 60+ relationships);

. Provided cash management, trust and other corporate financial services

. Mercantile Bankshares Corporation was regarded as one of the strongest

and best-performing commercial banks in the U.S. until its sale in 2007

TANEYTOWN BANK & TRUST COMPANY (Taneytown, MD)

Commercial Banking Officer 1994 - 1995

Commercial banking officer for rapidly growing community bank with assets

of $225 million:

. Managed commercial loan portfolio

. Generated new loan, trust and investment accounts for the bank

. Greater Baltimore and southern Pennsylvania market area

. Coordinated a group of local bank presidents and real estate developers

in the analysis and pursuit of affordable housing initiatives

CARROLL COUNTY OFFICE OF ECONOMIC DEVELOPMENT (Westminster, MD)

Administrator and Business Development Manager

1986 - 1994

Managed county government office in Maryland with dual mission of

attracting and retaining industry:

. Responsibilities included management of the office and its 10 employees

. Management of the office's $500,000 operating budget and $1.25 Million

enterprise fund

. Creation and management of the Carroll County Development Corporation

(provided gap financing for riskier credits in and around Carroll County

with an economic development benefit)

. Administration of the Economic Development Commission and Industrial

Development Authority of Carroll County (with 5/94 assets of $1.25

million)

. Supervision of the county Tourism office

. Management and accountability for the office's business prospects

. Development and implementation of marketing initiatives for Carroll

County

. Ongoing public relations to the media and constituents

. During my tenure, total capital investment for major industrial and

commercial projects in Carroll County exceeded $500 million, with more

than 8,000 new jobs created.

EDUCATION: Graduate: University of Baltimore (Baltimore, MD)

Robert G. Merrick School of Business

MBA Program (30 credits completed)

Undergraduate: McDaniel College (Westminster, MD)

1985 Bachelor of Arts degree recipient

Political Science/Business Administration

CONTINUING EDUCATION:

Advanced Commercial Lending School (Robert Morris Associates-1999)

Commercial Lending School (American Institute of Banking-1995)

Omega banking courses and several specific topic courses offered by

national bank associations

Economic Development Institute (University of Oklahoma-1988-1990)

Principals and Problems of Real Estate (Loyola College of Baltimore, 1988)

IBM Marketing School (Vienna, Virginia-1986)

Extensive Personal Computer training

PROFESSIONAL ORGANIZATIONS, CLUBS, AND ACTIVITIES (Present Activities

Underlined):

Chesapeake Business Finance Corporation-Board of Directors (2006 - Present)

McDaniel College Alumni Association Committee member

Westminster Elks Lodge member

Central Carroll Girls Travel Basketball Head Coach

Wakefield Valley Golf Club member

Rotary Club of Southern Frederick County member

Westminster Recreation Council-Basketball Coach & former League

Commissioner (430 participants)

Gamber Lacrosse-Lacrosse Coach

Central Carroll Recreation Council-Soccer Coach

McDaniel College-Corporate Advisory Council; Student Grant Program

committee chair

Interfaith Housing of Western Maryland, Inc.-Development Loan Fund

committee member

Carroll County Development Corporation-Co-Founder, Director and

Secretary/Treasurer

Westminster Church Homes Foundation, Inc.-Board of Directors, Treasurer

Carroll Area Transit System (Board of Directors)

Carroll County Chamber of Commerce member

Certified Economic Developer-highest professional designation in the field

of economic development

Bonds Meadow at Westminster Rotary Club charter member

Maryland Small Business Development Center director and secretary

Maryland Industrial Development Association (MIDAS) member

Greater Baltimore Alliance member

American Economic Development Council member

Carroll County Chamber of Commerce member

Hanover (Pennsylvania) Area Chamber of Commerce member

Westminster Riding Club member

Carroll County YMCA-Major Gift fund raiser

Junior Achievement-Applied Economics business consultant

Carroll County Investment Partnership treasurer

Sigma Iota Epsilon honorary management fraternity, University of Baltimore

chapter

Phi Delta Theta social fraternity, McDaniel College, Maryland Beta chapter

Carroll County Men's Basketball League

PERSONAL: Married with three children; Excellent health

REFERENCES AVAILABLE UPON REQUEST

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