Market President/Senior Lending Officer

STEPHEN INGHAM

** ******** *****, ******** *******, CO 80906 719-***-**** *****.******@*******.***

PRESIDENT / COO - CHIEF LENDING OFFICER

Revenue Growth / Change Leadership / Marketing & Branding / Operations / CRM / Key Accounts

Commercial & Retail Banking / P&L / Startup & Turnaround / M&A / Cost Reduction / Team Building

Proven leadership skills and a strong track record in banking operations, business development, new markets, key

account relationships, commercial lending, change leadership, rational cost reduction and organizational

development. Optimize people, processes, culture and capital to drive growth, improve profitability and increase

shareholder value. Substantial Board of Directors experience. Can contribute immediately by:

Developing new marketing strategies for rapid growth

Building successful commercial lending operations

Winning new business over entrenched competitors

Recruiting, training and motivating top-performing teams

A competitive nature, well-developed communication skills and a high energy level have contributed to my success.

Manage others by setting goals, improving skills, establishing benchmarks and expecting performance. Received a

Bachelor’s degree in Business Administration (BBA) from the University of Oklahoma. Additional professional

training and graduate-level coursework in commercial lending & finance. Certified Credit Professional.

CAREER HISTORY & KEY ACCOMPLISHMENTS

Colorado Market President, Kirkpatrick Bank; 2010-2012

• Created a vision and implemented a plan to focus upon achieving a community, core banking relationship

model for the market.

• Lending staff generated in excess of $100M in new loan commitments and 30 new core banking

relationships.

• Classified assets were reduced by greater than 50%.

• Market deposit base grew from $15M to $30M.

• Focused market on treasury management products and services, increasing fee income by $50K during

2012.

• Initiated a mortgage lending department, which served both Colorado and Oklahoma markets, to

compliment our niche in residential construction lending. Generated $16M in loans during its first 12 months

of operation.

• Member of senior management team for the bank, including positions on the following committees: loan,

ALCO, product development and marketing. Additionally, attended Board of Directors’ monthly meetings..

President, 2007-2010 & Executive Vice President, 2004-2007, Academy Bank.

• Created a commercial lending operation and development of five traditional branches and one loan

production office in three Colorado markets.

• Commercial lending operation produced in excess of $550M in new loan commitments and reached a high

of $303M in loans outstanding.

• Personal loan production totaled $102M during this period.

• Built a deposit base through the traditional branch network of $125M.

• Bank was ranked among the top banks in Colorado for Return on Assets (ROA), averaging 3.03 for this

time period and a high of 4.56% in 2006.

• Served as a member of the board of directors, loan committee and ALCO committee.

• Responsible for budget of commercial lending and traditional branch operations.

Pikes Peak Market President; 2002-2004, Senior Vice President – Loan Manager, 1998-2002, Vectra Bank

• Loan portfolio grew from $60M to $100M.

• Responsible for three branches in the Pikes Peak area, including Woodland Park, with total assets of

$195MM and loan portfolio of $155M.

• Market was consistently among the top 3 most profitable markets in the Vectra Bank system.

• Responsible for the market’s budget process.

STEPHEN INGHAM … PAGE 2

CAREER HISTORY & KEY ACCOMPLISHMENTS (CONT’D)

President & CEO, 1993-1998. Senior Vice President -Commercial Lending Manager, 1989-1993

Liberty Bank (Ft. Worth, TX);

• Loan portfolio grew from $12M to $31M.

• Bank converted from a national bank to a state-member bank and increased its safety and soundness

rating from average to the highest rating given.

• Responsible for the budget process and marketing of the bank.

• Converted the bank from a C-Corporation to a Subchapter S Corporation.

• Developed the bank’s first branch in a neighboring community.

EARLIER BANKING EXPERIENCE

• Worked as a teller for two banks in Oklahoma City area while obtaining a college degree 1976-1979.

• Liberty National Bank (Oklahoma City, OK); 1979-1981 – Management training program throughout

entire bank, credit analyst for commercial lending group. Promoted to Loan Administration Officer.

• First National Bank of Enid, OK; 1981-1982 – Loan administration manager; performing loan operations

and loan review duties. Promoted to Assistant Vice President-Commercial Lender.

• Texas Commerce Bank (Arlington and Hurst, TX); 1982-1989 – Professional & Executive Lending;

Commercial and Industrial Lender. Promoted to Vice President.

EDUCATION

Bachelor of Business Administration from the University of Oklahoma earned in 1979.

Certificate of Completion for the National Commercial Lending School at the University of Oklahoma in

1983.

Certificate of Completion for Commercial Analysis for Lenders in 2001. Designated as a Certified Credit

Professional.

Additional financial/banking education through various seminars 1983-2012

Regulatory compliance seminars

Uniform Commercial Code

Sales Training

Alex Sheshunoff Bank CEO Affiliation Program 1994-1997

Highlights of Community Involvement

• Served as President of North Richland Hills, TX Rotary Club.

• Served as chairperson of several committees in Lion’s Club and won Lion of the Year award in 1996.

• Served as Vice Chairperson of Northeast Chamber of Commerce.

• Taught classes from elementary to high school for Junior Achievement.

• Served as Chairperson of Better Business Bureau Foundation.

• Served on the board of Peak Vista Community Health Center and Foundation. Served as Chairperson for

Health Center and Secretary/Treasurer of Foundation. Served on cabinet for $10MM capital campaign.

• Currently, President of the Board of Pikes Peak Council of Boy Scouts. Served as Chair of Friends of

Scouting campaign.

• Member of Colorado Springs Chamber of Commerce, Winter Night Club and The Executive Network.

Personal & References

Married, two children. Enjoy family activities as well as running, hiking, fitness training, fishing and golf.

A list of knowledgeable personal & professional references is available to interested parties.

Contact this candidate