Manager Customer Service

ARDY FAROKHIRAD

** ***** **** ******* ***** CA **692

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

KEY STRENGTHS

A consultative sales approach.

Focus on revenue growth and pre-tax profit.

Partnership ability and strategy.

Wealth management, treasury management, and foreign exchange.

Training and development of management team.

EXPERIENCE

2/15-3/17

CALIFORNIA BANK & TRUST, Division of Zions Bank

Senior Vice President / Manager, Eastern Region

Responsible for eight business banking offices from San Bernardino to the Los Angeles basin, with 55+ employees and $1 billion in assets. Reported to division EVP.

Took charge of the region with almost 50% vacancy. Filled all the vacant positions with top talent, and achieved the following:

Generated pre-tax profit of $5.6 million, compared with $3.5 million the prior year.

Region ranked #1 with highest production per FTE of $2.9 million.

Generated loan growth of $17 million, deposit growth of $22 million, and fee income growth of $217,000.

Region ranked #1 in efficiency ratio of 65% for the entire year.

Every branch had a low audit and outstanding compliance.

Established a quarterly recognition program, created and implemented an effective relationship-development process, and built a strong network and management team.

2/10-7/14

FLAMMA, INC., dba The Flame Broiler, Irvine, CA

Chief Financial Officer

Started with one restaurant, and grew it to five locations. Responsible for all accounting, tax preparation, payroll, and day-to-day operations. Hired and trained the best talent in the industry. Built strong relationships with partners, vendors, and trades.

Built revenues from $600,000 to $4.2 million in 2012.

Increased revenue by 35% year over year.

2/07-1/10

WACHOVIA BANK, Los Angeles, CA

Senior Vice President / Credit Administrator

Total approval for deals over $100 million. Interacted with clients daily; executed underwriting and managed commercial loan risk. Provided for balanced commitment to loan, deposit, fee growth, relationship profitability, and customer retention/credit quality.

Achieved one of the best asset qualities based on borrower and facility default grade and loss given default.

Developed best market planning in terms of going for the gold.

1/05-1/07

BANK OF AMERICA, Los Angeles, CA

Senior Vice President / Regional Credit Executive (AZ, CA, NV)

Oversaw region’s credit portfolio, emphasizing total credit risk greater than $3 million or lines of credit exceeding $1 million. Managed a team of credit officers and senior credit-support associates. Managed a portfolio of $5 billion+ in Pacific Southwest Region.

Increased business production by $1.1 billion in 2005, $1.2 billion in 2006, and overall $900 million portfolio growth year over year.

Increased net income by $5 million in 2005 and 2006.

Achieved “Best Asset Quality” in the nation; rated “Outstanding” in 2005 and 2006.

Initiated several projects resulting in organic loan, revenue, and credit growth.

Streamlined business banking operations and developed a disciplined process to reduce costs while increasing portfolio and revenue.

Maintained one of the top spreads of 225 basis points in the entire nation.

ARDY FAROKHIRAD

Page 2

1993-12/04

WELLS FARGO BANK

Vice President / Sr. Business Relationship Manager (7/00-12/04)

Established and maintained profitable account relationships with complex and large-sized business accounts. Determined customers’ commercial loan and deposit needs, and acted as client advocate in securing suitable credit. Cross-sold products and services. Served as referral source from other business partners, and provided guidance to lower-level bankers. Accountable for all facets of commercial lending. Negotiated terms, ensured compliance, and approved or recommended approval of loans.

Ranked #2 in the business banking team with total funded loan volume of $18 million+ in 2001; $24 million+ in 2002, 2003, and 2004.

Received Top Gun award in 2002, 2003, and 2004 (awarded to top 5% of producers in California).

Achieved the best Quality Assurance and Compliance rating: 2001, 2002, 2003, 2004.

Nominated for Best Customer Service by Retail Distribution, 2004.

Named one of the Top Performing Partners by Retail Distribution: 2001, 2002, 2003, and 2004.

Regional Cross-Sell Manager (5/99-7/00)

Oversaw management and implementation of cross-sell strategies to achieve corporate objectives. Interfaced with bank partners; conducted sales meetings, training, and campaigns; and prepared appropriate reports.

Vice President / Team Leader and Branch Manager (1995-5/91)

Managed $100 million+ traditional branch assets, and provided sales team leadership to four additional branches. Directed all activities related to sales and customer service, business development, operational integrity, and staff training and motivation.

Manager of the Year, 1988.

Recognized as Best Leading Branch Manager.

Executive Circle Winner for best customer service.

Golden Coach award recipient several times, awarded to top 5% of performing branch managers nationwide for overall performance.

Achieved Level One (the best) performance management review ranking every year.

Senior Credit Officer (1993-1995)

Serviced customers seeking real estate mortgages, secured lines of credit, and second mortgages. Analyzed complex tax returns, financial statements, and appraisal reports.

Ranked #5 in California, based on Quality Control Review.

Attained #1 in the region and #10 in the state for best turn-around time.

1990-1993

TRANSAMERICA FINANCIAL SERVICES

Senior Executive Branch Manager

Directed all operational activities with overall responsible for achieving sales goals and managing portfolio values at approximately $130 million. Handled all facets of foreclosure procedures from initiation through estate sales, including legal proceedings. Developed specialized operations and training programs; monitored and evaluated staff performance.

Manager of the Year

Winner of numerous contests based on branch achievements.

Increased sales by 20%+ in 1990, 1991, 1992, and 1993.

EDUCATION

UNIVERSITY OF LAVERNE

MBA. Concentration on Leadership and Marketing. 5/00

BS, Business Management. Emphasis in Finance. 6/92

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