Manager Vice President

THOMAS RICHARD REESE

***** ******* **** *********, ************, OH 43147

Home 614-***-**** * Cell 614-***-****

PROFESSIONAL EXPERIENCE

Wesbanco Bank, Inc. Columbus, OH 2012 - 2013

Special Assets Vice President

. Successfully managed portfolio of CRE, C & I and Business Banking Loan

Portfolio of criticized and substandard lines of credit and term debt

in the SW, SE, and Central OH Regions

. Additionally consulted with line officers, portfolio managers and

Regional Credit Officer on substandard exposures to strengthen the

exposure, reduce risk, and prevent further downgrades

. Resolved collateral deficiencies, underwrote forbearance agreements,

modification agreements, negotiated restructures, verified assets,

liquidated assets, instituted workouts, engaged receivers,

auctioneers, property managers, and made post charge-off recoveries

. In 2013 reduced portfolio size by 40% in first 8 months of the year

and lead entire department in all categories including upgrades,

payoffs, fee expense recovery, and charge-off recoveries

PNC Bank NA Columbus, OH 2010 - 2012

Special Assets Vice President

. Successfully managed portfolio of high-balance C & I Loan Portfolio

consisting of criticized and substandard lines of credit, term debt,

commercial leases, equipment leases, and participation in the Central

OH Region

. Additionally consulted with the line officers, portfolio managers, and

regional credit officers on substandard exposures to strengthen the

exposure, reduce risks, and prevent further deterioration and further

downgrades

. Resolved collateral deficiencies, underwrote forbearance agreements,

modification agreements, negotiated restructures, verified assets,

liquidated assets, instituted workouts, engaged receivers,

auctioneers, property managers, and made post charge-off recoveries

. In 2011 reduced total portfolio size by 53% or $92.3MM with $250M of

fee income.

. In first month of 2012 reduced total portfolio size by 9.5% or $10.2MM

The Huntington National Bank Columbus, OH 2001 - 2010

Special Assets Assistant Vice President

. Successfully managed portfolio of high-balance Business Banking Loan

Portfolio consisting of criticized business lines of credit and

commercial term loans with aggregate balances > $100M - < $3.5MM for

risk evaluation and resolution within entire HNB footprint regions

including central FL

. Assisted in the creation of the Business Banking Commercial Loan

Collection Department and wrote the Special Assets Business Banking

Collection Dept Policy Manual, Training Manual and Best Practices

Manual

. Successfully managed Central OH Business Banking Commercial Collection

Queue maintaining lowest annualized delinquency rates for 28

consecutive months

Bank One - (JP Morgan Chase) Columbus, OH 1993 - 2001

Retail High-Balance Credit Card Recovery Collector / Managed Assets

Collector / Business Banking Loan Underwriter / Business Banking Monitoring

Analyst

. Successfully collected high-balance charged-off credit card portfolio

(top collector 18 consecutive months), Collected Managed Assets

Business Banking open-side and recovery portfolio

. Underwrote Business Banking loans with credit authority to $500M and

monitored Business Banking loan portfolio between $100M and $5MM in

Central and SW OH Regions for risk analysis

. Assisted in the creation of the Monitoring Analysis Group and

uncovered $1MM accounting fraud in SW Region on multiple entity

exposure

Ohio Attorney General Columbus, OH 1992 - 1993

Commercial Collection Representative

. Collected unpaid fees, levies and taxes from small and large

businesses located inside and outside the State of Ohio

. Negotiated excise tax settlement with Federated Department Stores

(Macys) resulting in $327M windfall recovery for the State

Discover Card Services Columbus, OH 1988 - 1992

Credit Card Collector, Credit Card Collection Supervisor, Credit Card

Collection Manager

. Began as an entry level collector and moved through all levels of

collection and collection supervision to become pre-charge-off

department manager

. Managed 22 collectors and 2 team leaders on $350MM credit card

portfolio

. Maintained top department leadership levels in dollars collected,

lowest annualized charge-off rate, and lowest roll rate for 45

consecutive months against 12 other same sized departments

Great Western Bank Los Angeles, CA 1986 - 1987

Financial Securities Division-Marketing Manager

. Wrote, directed, and scripted in-house sales training videos

. Edited weekly division-wide newsletter

. Coordinated and monitored direct-mail campaigns with vendors

. Coordinated sales force regional seminars and training classes

EDUCATIONAL / PROFESSIONAL TRAINING

The Ohio State University 1976 - 1979

. General Curricula

. Coursework completed through declaration of major

Columbus State University 1982 - 1986

/ 1992-1994

. Communications Management - Completed Coursework for AS but did not

petition to graduate

. Financial Management - Need approximately 20 hours of upper level math

to complete AS

. Small Business Management - Need approximately 30 hours to complete AS

Advance Credit Education

. Commercial Cash Flow Analysis

. Commercial Credit Structure

. Disciplined Commercial Lending

. Mitigation of Risk Seminars

. Multiple Litigation Seminars

. Legal Collection Seminars

. Federal and State Receivership Seminars

. Bankruptcy Seminars

References Available Upon Request

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