Stephen W. Hale

acf3g2@r.postjobfree.com /(***)

***-****

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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