Chief Credit Officer
Resume:
Stephen W. Hale
**********@*****.*** /(***)
PROFESSIONAL OVERVIEW
Accomplished senior level financial services executive and consultant
experienced in managing and resolving difficult institutional issues
resulting in improved bottom-line and stockholder value.
QUALIFICATIONS
. Domestic and international financial services experience.
. Demonstrated experience working with Boards of Directors and leading
large staff populations.
. Experienced with strategic and operational planning.
. Experienced in policy and procedure development and implementation.
. Experienced in re-engineering credit division to streamline
underwriting, loan approval, loan and appraisal review processes.
. Experienced in designing and implementing action plans resulting in
elimination of Regulatory Cease and Desist Orders.
. Experience in commercial lending including asset based, real estate,
SBA 7(a), 504, FSA, USDA, complex capital market lending, counterparty
risk evaluation, credit risk management, regulatory/compliance
environments, loan servicing, loan loss reserves, loan grading
systems, credit and investment portfolio analytics, and toxic asset
resolution.
. Experienced in Sarbanes-Oxley auditing and consulting.
. Experienced in stress testing, collateral risk assessment, Probability
of Default (PD) and Loss Given Default (LGD) methodology, Uniform
Classification System grading, and ALLL methodologies.
. Experienced in troubled asset resolutions to include bankruptcy,
restructures and compromises.
. Served as expert witness in federal court system.
. Served as guest speaker for various national and state financial
regulators and banking associations.
. Ability and desire to travel extensively.
PROFESSIONAL EXPERIENCE
INDEPENDENT CONTRACTOR/CONSULTANT - USA
April 2013 to Present
FARM CREDIT ADMINISTRATION (FCA) OFFICE OF EXAMINATION - McLean, VA
June 2010 thru March 2013
INDEPENDENT CONTRACTOR/CONSULTANT - International and USA
May 2006 thru May 2010
CLIFTON GUNDERSON, LLP - Peoria, IL
November 2004 thru April 2006
S&S FINANCIAL, LLC - Louisville, KY
May 2001 thru October 2004
President/CEO
GMAC COMMERCIAL MORTGAGE - Horsham, PA
January 1999 thru April 2001
Senior Vice President - Division Manager
WESTERN - AGAMERICA FARM CREDIT BANKS - Sacramento, CA
November 1993 thru December 1998
Senior Vice President-Chief Credit Officer
. Responsible for $13.0 billion wholesale/retail portfolios of
agricultural commercial and mortgage loan facilities originated in
thirteen States and two Farm Credit Districts.
. Improved asset quality to highest level in bank history.
. Negotiated sale of $160.0 million non-performing asset portfolio.
. Member of Bank Executive Management Team.
. Chairman of Bank Credit Committee.
. Vice Chairman of Bank Pricing Committee and Asset/Liability Committee.
FARM CREDIT SERVICES - USA
President/CEO of 3 Financial Service Institutions (Retail Lending)
Vice President Special Assets (Retail Lending)
Vice President Supervision (Wholesale Lending)
Vice President Audit/Review (Wholesale Lending)
Vice President - Branch Manager (Retail Lending)
Assistant Vice President - Loan Officer (Retail Lending)
EDUCATION
Illinois State University - Bachelor of Science
MILITARY SERVICE
5035th USAR School - Honorable Discharge
NCO Academy Instructor
Staff Sergeant
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