Manager Management

JOSEPH A. WEMHOFF

Oak Park, Illinois

Mobile: 312-***-**** **********@*******.***

SUMMARY

Experienced financial executive, with extensive background in corporate finance, including expertise in credit facilities of all types, as well as public and private debt capital markets; broad experience in corporate treasury and liquidity management; capital structure planning; strong international experience; valuations of companies; proven ability to build organizations and business lines and to manage complex relationships; effective at cross-selling; excellent communication skills; teamwork; good judgment; high energy; talent at working independently in unstructured situations; and well-developed leadership skills. EXPERIENCE

Fifth Third Bank, Chicago, Illinois, and Brussels, Belgium 2003 – 2015 The 10th-largest U.S. commercial bank with a presence in 15 states, Canada and Europe. From 2012 to 2015, as a Director in the European Representative Office in Brussels, successfully grew the bank’s EU loan portfolio by originating and executing diverse financings for multinational corporations headquartered in Europe and the United Kingdom, as well as cross-selling non-credit products and services.

From 2003 to 2012, as Vice President and Banking Relationship Manager, Chicago, established, expanded, and managed relationships with corporate clients in Illinois and in Indiana:

Grew portfolio at a compound annual rate of 25%, to over $700 million in commitments

Performed wide variety of financings, from syndicated loans to securitizations to debt capital markets

Cross-sold a wide range of non-credit products and services The Northern Trust Company, Chicago, Illinois 1998 - 2003 A Chicago-based global provider of asset management, fiduciary services, banking, and fund administration for individuals, corporations, and institutions. Vice President and Banking Relationship Manager

Successfully managed and grew multi-state portfolio of major corporate clients and prospects.

Consistently exceeded new business goals across all product areas

Earned highest satisfaction ratings from clients First Interstate Bank (later, Wells Fargo), Chicago, Illinois 1985 – 1998 Wells Fargo which bought First Interstate in 1996 is one of the “Big Four” U.S. money center banks with 8,700 locations and offices in 36 countries. Started at First Interstate Bank International. Next, headed the first Chicago Corporate Banking Credit Support Unit. Subsequently, for nine years at First Interstate, served as a member, then as team leader, of the Midwest cash management team. After the merger, contributed for two years to Wells Fargo as a banking relationship manager.

Successfully marketed the full range of international and domestic banking services

Provided analysis/review of over $2 billion of credit facilities, the management of several

“workout” credits, and a rapid response capability for transactions

Grew revenues of the 10-state Midwest market of First Interstate by 400%, with minimal increase in staff and no turnover

Managed and expanded portfolio of large corporate names Joseph A. Wemhoff, 312-***-**** Page 2

PREVIOUS RELEVANT EXPERIENCE

At Sears Bank & Trust (later, UnibancTrust), as Vice President and Division Head, achieved numerous successes in commercial lending and correspondent banking. Co-founded the bank’s first dedicated Treasury Management unit. Briefly, worked at Allied Chemical Corporation as Manager of International Finance, and served as President of Wemhoff & Co., a startup engaged in long-term currency swaps. A. Epstein and Sons International, as the company’s first full-time Treasurer, generated significant earnings by defining and executing on all aspects of the treasury function, including: establishment and management of credit facilities; project finance, including EXIM Bank financing; managing bank relations; spot and forward foreign exchange; commercial and standby letters of credit; all aspects of cash management; investments, including employee benefit plans under ERISA; insurance and performance bonds; merger and acquisition analysis. Started career at Harris Trust & Savings Bank, as Consultant in the Corporate Finance Section, producing major fee income for the bank through the performance for corporate customers and prospects of debt and equity financing studies, capital structure planning, valuations of companies, cost of capital studies, cash forecasting, financial policy consulting, and capital markets advice. Completed the formal commercial banking credit analysis program. EDUCATION

Diploma, Stonier Graduate School of Banking sponsored by the American Bankers Association at Rutgers University, New Brunswick, New Jersey

Master of Business Administration Degree from Northwestern University, Evanston, Illinois, majoring in Finance, International, and Transportation Bachelor of Business Administration Degree, maxima cum laude, from The University of Notre Dame, Notre Dame, Indiana, majoring in Finance and Business Economics Educational capital includes the Louis A. Allen Management Development Program, Xerox Professional Selling Skills Course, RMA-Omega Commercial Loan Program, Forum Advanced and Strategic Selling Course, The Mindset of the CEO Program, and The Strategic Client Engagement Program

CERTIFICATIONS

Certified Cash Manager (CCM). Permanent certification Certified Public Accountant (CPA). Passed all four parts of the national examination on first attempt. Certificate #48212, maintained by The Illinois Board of Examiners OTHER

Article entitled “The Band Commitment Fee” was published in The Journal of Commercial Bank Lending, and another article was published in Euromoney. Languages spoken with varying degrees of fluency are English, French, and Spanish. Memberships include Beta Gamma Sigma and The Private Directors Association.

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