ROBERT CLARK

WORK EXPERIENCE

●**** – present INTERNAL AUDITOR

(at company) First Security Bank

●Solely responsible to Board of Directors for developing and executing internal auditing procedures for the bank.

●Reviewed bank practices, records, and policies to ensure compliance and conduct all necessary investigations and follow-up.

CREDIT DEPARTMENT MANAGER

First Security Bank

●Educated lending staff on cash-flow analysis and loan structuring while analyzing financial statements on new and existing credits.

●Maintained integrity and accuracy of Allowance for Loan and Lease Loss general ledger account.

COMMERCIAL LOAN OFFICER and SUPERVISOR

First Security Bank

●Managed $20-million loan portfolio including several of the bank’s largest clients.

●As supervisor, managed five loan processors’ daily performance and conducted annual reviews.

COMPLIANCE OFFICER

First Security Bank

●Solely oversaw the bank’s compliance program by ensuring all federal and state regulations were followed and documentation standards were met.

1995 – 2000 STAFF COST ACCOUNTANT

Commonwealth Aluminum Lewisport Inc.

●Assisted with budget planning, analysis, and review for the plant’s operations through the year.

1991 – 1995 INTERNAL AUDITOR AND LOAN REVIEWER

Area Bancshares Corporation

●Conducted audits, reviewed bank records, and reported all results, including loan review.

EDUCATION

June 2001 General Banking School Graduate

Kentucky Banking Association

1987-1990 Bachelor of Arts in Accounting

Minor in Economics

Concentration of Liberal Arts education with emphasis in

Accounting, Management, and Economics.

Brescia College, Owensboro, KY

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