Wade S. Shriver

Iowa City, Iowa

ac0048@r.postjobfree.com

319-***-****

Executive Summary

Experienced commercial financial Officer with over 22 years in commercial credit work experience. Authorization of credit policies- credit due diligence experience with a strong credit underwriting background. Senior management experience, staff mentoring and credit administration background with regulatory examination experience. self-made real estate entrepreneur and college instructor.

Professional Expérience

Rural Development Partners – September 2016 – Current

Mason City, Iowa – Vice President in charge of all underwriting of Projects involving the company’s New Market Tax Credit Allocations. We place an average of $35 million annually in tax credit allocations to rural markets throughout the United States creating jobs and large impacts to low income communities.

ILS, LLC - APRIL 2007 - Current

Iowa City, Iowa – STARTED A COMPANY TO OWN AND MANAGE REAL ESTATE AS WELL AS PERFORM LOAN REVIEW AND CREDIT ADMINSTRATION CONSULTING. ALSO TEACH BUSINESS COLLEGE COURSES.

Created a Real Estate Management Group to buy, own and sell real estate and personally professionally manage all aspects of these operations.

Created a consulting practice to personally work with Commercial Banks and Financial Institutions (specializing in the organization of Loan Review and Credit Administration).

Ongoing College Instructor specializing in Intro Accounting Courses and Entrepreneur Business Classes.

Consulting Assignments

Fort Madison Bank and Trust Co –March 2011 –February 2012

Fort Madison, Iowa

oversaw all Credit Operations (loan origination and business development) and Collection Processes (loan review and delinquent loan management) duties at the Bank:

Managed Staff of Four Lenders, Three Administration Staff and Two Credit Analysts

Mentored and trained inexperienced staff (lenders and credit analysts).

Implemented a new Credit Policy (rewritten from new), placed more organization into the Lending and Credit Department of this small local banking institution.

Implemented a new Team Concept to Lenders and Administration Staff that created more cohesion within the department and improved work flow and overall detail.

Established a new spreading software system (Web Equity) for Credit Underwriting and Loan Approval and Tracking.

Formalized all processes for loan origination, loan closings and problem loan reporting.

Created a formalized risk rating system that previously did not exist.

The National Bank of the Virgin Islands, Limited – January 2010 –March 2011

Road Town, British Virgin Islands

oversaw all Credit Operations (loan origination and business development) and Collection Processes (loan review and delinquent loan management) duties at the Bank:

Managed the staff of Six Credit Officers and Three Collection Officers.

Mentored and trained a very inexperienced staff in Commercial Lending and Collections.

Consulted with local Financial Services Commission (local regulators) on the Bank’s transition from a Development Bank to a Commercial Bank.

Implementation of a new Credit Policy (co-authored), organized a very dysfunctional department and implemented structure where there was none before.

Increased the Credit Department’s loan volume by over 59% in less than a year.

Decreased the Collection Department’s impaired assets from in excess of 14% of total loans to less than 5% in less than a year.

Authorized and approved all credit applications.

Performed all projections, analysis and controlled all department costs and budgets for fiscal year reporting.

ILS LLC – REAL ESTATE

Acquired under various Holding Companies over $10 million in investment real estate properties.

Negotiate for purchase, bank financing and capital for the acquisition of this portfolio.

Property management and real estate and loan brokerage services (including short sales). Oversee all loan brokering, internal bookkeeping and tax preparation. Prepare all pro forma budgets for the company annually as well as on a project by project basis for our banking partners.

Accounting, insurance and bookkeeping for internal and third party clients and also provide credit repair operations to clients.

COLLEGE COURSE INSTRUCTION

Introduction to Accounting I, Introduction to Accounting II and Business Entrepreneurship

Liberty Bank - September 2002 – APRIL 2007

Iowa City, Iowa

Market President (LENDING/CREDIT)

Commercial Lending/Credit Responsibilities

Directly responsible for managing and growing a $40+ million loan portfolio (from $0 at September 2002).

Directly underwrote and performed all credit analysis for the loan portfolio.

Largest loan growth in Bank three straight years (consecutive award recipient).

Held a Credit Authority of $300,000, co-authority to $1,000,000.

Personally oversaw all market credit decisions and oversaw and managed all problem credit resolutions.

Managed local bank loan reviews and examinations (internal).

Market President Responsibilities

Directly managed all banking activities for the entire market to include business development, staff hiring and training, raising new capital, policy implementation, marketing, advertising, budgeting and loan and deposit growth and credit management.

Achieved a positive profitability for our denovo branch within the first four months of operation.

Asset growth to over $80 million (from zero at September 2002).

Hired and trained staff - 20+ employees.

Opened three new branches, which were created from the ground up.

Most profitable branch in the holding company in 2003 (first full year of operation).

Commercial Federal Bank - FEBRUARY 2000 – September 2002

Iowa City, Iowa

market manager/ Commercial lending

Directly responsible for managing $35+ million loan portfolio.

Directly underwrote and performed all credit analysis for the commercial loan portfolio.

Directly responsible for all commercial marketing and commercial business development and budget forecasting for the entire Iowa City market.

Union Planters bank / magna Bank - November 1996 – February 2000

Iowa City, IOWA – Waterloo, Iowa

Commercial Lending Officer

Directly responsible for managing $30+ million loan portfolio.

Oversaw and directly managed the credit administration and analysis underwriting of the credit/loan department.

CORPORATE WOODS STATE Bank / BANK IV - March 1991 – November 1996

OVERLAND PARK, KANSAS

Commercial CREDIT ANALYST/Lending Officer

Formally trained within a credit department staff for over 4 years in all areas of commercial banking and credit administration.

Lead Credit Analyst before being promoted to Lending Officer.

Education

Master of Business Administration Degree, University of Iowa, Iowa City – may 2003

Bachelor of Arts Business Degree in Finance, University of Iowa, Iowa City – December 1990

US Army Active Duty – JUNE 1983 to APRIL 1987

OTHER

Current and past volunteer work with many Civic and Community Organizations at Top Level Board Positions

Active Triathlete, Ultra-Sport enthusiast and Advanced PADI Certified Scuba Diver.

Contact this candidate