Manager Management

ANTHONY M. STEPHAN

***** ****** **. **. *******, VA 22842? Cell: 703-***-**** ?

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

PROFESSIONAL SUMMARY

Expert in: Project Finance~Credit Risk Management~Relationship Management

. Professional who leads national organizations through change and

challenge.

. Proven experience in Lending, Risk Management, and Banking to

Commercial and Farm businesses.

. Strategic problem solver who implements solutions and executes

with urgency across all levels of the organization.

. Skilled in relationship management, team leadership, financial

analysis and deal negotiation.

CORE COMPETENCIES

Organization & Communication ~ Credit

Analysis ~ Agribusiness Lending

PROFESSIONAL EXPERIENCE

FARM CREDIT OF THE VIRGINIAS, Leesburg, VA

1980-1984 & 1991-1997

Farm Credit of the Virginias provides more than $1.5 billion in financing

to rural homeowners, farmers and landowners in 96 counties in Maryland,

Virginia and West Virginia.

Loan Officer/Branch Manager/Vice President of Special Assets

Loan officer (1980-1982) promoted to Branch Manager (1982-1984). VP of

Special Assets (1991-1997).

. Helped reduced substandard farm loan volume by $25 million by loan

servicing including property foreclosures, loan write-down

negotiations, and restructure agreements.

. Improved net margins by originating $10 million in high-quality

agriculture and housing loans.

cobank, Denver, Colorado

1998 - 2000

A $60 billion cooperative bank serving international clients,

agribusinesses and rural utilities

Senior Credit Analyst

(Corporate Finance Group, May 2000- December 2000)

Lead lender for national agribusiness accounts. Underwrote credit

commitments, presented and defended recommendations to executive team.

Serviced accounts including credit covenant compliance monitoring.

Key Achievement

. Served as Relationship Manager for national accounts including

Southern States Cooperative, Welch's, Ocean Spray, Agway, Farmland

Industries, and IBP, Inc., resulting in 25% increase in lending

commitments.

Credit Analyst

(CoBank International Banking Group, January 1998-April 2000)

Consistently supported international business transactions primarily

through underwriting trade letters of credit for agricultural trade

transaction. Prepared timely, accurate, written analyses of banks

throughout the world, including Europe, Asia, and South and Central

America.

Performed analysis of international agribusiness, as well as quarterly loan

loss analysis, and presented summary of reports while defending credit

requests to executive Credit Committee. Maintained loan compliance

reporting, risk mitigation, loan requests, amendments, and consents.

Key Achievement

. Supported $6 billion in trade finance commitments through analysis of

international banks and multinational corporations.

. Negotiated software redesign requirements with vendor of customized

financial statement analysis tool (Bank Watch); represented company at

annual New York, Bank Watch users group meeting.

national rural utilities cooperative finance corp. Herndon, VA

Jan 2001 - June 2012

A cooperative providing financial and investment services to members.

Senior Lender/Associate Vice President

Managed more than 40 high-profile relationships for a national organization

with an estimated $810 million loan portfolio, while leading a team of 3

lenders with combined portfolio of $2.8 billion and more than 200

relationships. Oversaw business development, lending, account servicing as

well as coaching and training of staff. Produced comprehensive credit

analyses. Presented and defended recommendations to corporate credit

committee. Brought client based smart solutions to funding issues.

Key Achievements

. Contributions to corporate scorecard goals led to promotion to Team

Lead/Senior Lender.

. Closed a $35 million bond financing through newly formed Gulf Coast

Opportunity Bond Authority requiring deal negotiation that included

accommodations from federal agencies, attorneys, and client.

. Established $100 million in emergency funding for customer during

catastrophic storm event by working through processes, and expedited the

delivery of funds.

. Developed and delivered persuasive presentation to retain $60 million in

loan business that required leading a team of relationship managers and

treasury staff.

. Selected by executive management to assume high-profile non-standard

account with $125 million at risk. Solicited consensus with executive

management to determine best strategy, taking into consideration the

political nature and profile of account, to establish approach. Successful

outcome eliminated political and financial risk to CFC.

. Negotiated and underwrote a $150 million syndicated loan facility for a

large gas marketing firm, whereby credit commitment was delivered under

deadline resulting in profitable relationship for CFC and value for the

customer.

VRH ConsultinG LLC "VRH"

Washington, D.C. Sept 2012 - Nov 2014

A consulting company supporting the Loan Programs Office under title XVII

of the U.S. Department of Energy.

Portfolio Manager/ Senior Loan Specialist

Supports the Director of Loan Programs Office ("LPO") by executing a

portfolio risk management process that assists in identifying, managing,

monitoring and reducing risks in the portfolio. Responds to post closing

requests for amendments, waivers and consents. Lead deal teams through

Project mergers and acquisitions, final Project completion and operations.

Responsible for coaching and training of staff. Produces comprehensive

annual credit analyses and interim reports. Presents and defends

recommendations to risk committee. Brings client based smart solutions to

funding and post-closing issues.

Key Achievements

. Achieved project completion on a 160 megawatt solar generation facility

through negotiation of the terms under a $330 million DOE loan guarantee.

. Negotiated the terms of a merger and acquisition of a $660 million solar

generation plant and thus providing risk mitigation and diversity of risk

for the LPO.

. Successfully managed a team that negotiated amendments and extensions of

loan provisions for the benefit of the DOE and participating banks for a

$1.2 billion wind project.

. Achieved substantial completion on a 230 megawatt solar generation

project taking it from construction to operations.

EDUCATION AND PROFESSIONAL DEVELOPMENT

Bachelor of Science, Agricultural Economics, VA Tech, Blacksburg, VA

Master of Arts, Public Policy & International Transactions, George Mason

University, Fairfax, VA

NRUCFC Leadership Training Program, 2010

Moody's Financial Analysis Credit Skills Certification, 2004 (Omega)

Dale Carnegie, 'Effective Public Speaking Presentations', 2002

OTHER EXPERIENCE

Cabin Hill Farm, Woodstock, VA

Owner/Manager

Family run 110 acre vineyard and produce operation selling to local

wineries and businesses through our mobile farm market: www.local-to-

go.com.

PURINA MILLS INC., Richmond, VA, 1985-1987

District Manager

. Increased sales of livestock feed and animal health products through

management of dealer network.

. Trained dealer salesforce in animal nutrition and selling techniques

resulting in a 10 percent growth in sales year over year.

JEFFERSON SAVINGS AND LOAN, Warrenton, VA, 1988-1990

Loan Officer

Originated home and commercial mortgages. Top originator in 1989.

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