SAM J. VAVERKA

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Tulsa, Oklahoma 74129

acx46m@r.postjobfree.com

PERSONAL AND CONFIDENTIAL

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Tulsa, Oklahoma 918-***-****

Rural Enterprises Incorporated (October 2005 to Present)

7633 E 63rd Place

Suite 348

Tulsa Oklahoma 74133

Loan Specialist Rural Enterprises Inc.

Duties include but not limited to the marketing, origination and qualifying of all lending programs now offered by REI. Including SBA 504, 7A, Microloan and IRP loan programs. Duties also include the marketing of other programs including but not limited to the New Market Tax program and the Oklahoma Tax Credit Program. To also assist banks and individual customers with the gathering of Financial information so that they will satisfy all lending program requirements as outlined by REI and the Small Business Administration.

Bank of America, Tulsa, Oklahoma (June2000-November2005)

Vice President - Government Lending Programs

Duties include but are not limited to the origination and packaging of all government and commercial loans in the Oklahoma, Kansas, Missouri, Tennessee and Arkansas area. The qualifying and screening of all applicants seeking SBA 7A-504 and conventional commercial loans. Also responsible for the originating packaging and underwriting of all Commercial Investment property loans including Hotel, Office and Retail Properties. Duties include the underwriting, qualifying, determining the eligibility and cash flow of each loan and recommend those loans that are to be sent to each SBA district office for approval. Duties also include the training of all Small Business Bankers and all Consumer Bankers in SBA lending and update them as SBA policy changes are made.

Hometown Bank, Joplin, Missouri (Nov. 2000 to June 2001)

Vice President - Branch Manager

•Manage and maintain a banking location with assets in excess of 37 million. Supervise twelve full time employees, including three senior lenders whose portfolios include commercial; commercial construction; residential construction and all types of consumer lending.

•Draft yearly budget and volume goals for branch and handle branch location expense control.

•Responsible for bank operations, including but are not limited to new accounts; loan processing; teller lines; customer complaints and administration of all departments.

•Lending experience includes but not limited to: commercial; commercial construction; residential construction and all types of consumer lending (i.e. second mortgages; automobile (direct and indirect) and a variety of personal loans).

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Spirit Bank, Tulsa, Oklahoma - Vice President of Lending. (1996 to Oct. 2000)

•Developed and maintained a loan portfolio of more than $14 million. Lending experience includes: commercial; commercial and residential construction and all types of consumer lending, including but not limited to second mortgages, automobile (direct and indirect) and a variety of personal loans.

•Draft yearly budget and volume goals for the branch and also handle branch expense control.

•Extensive experience in personnel administration which includes stamng of a bank branch, minimizing the turnover of a bank branch and utilizing the staff to their fullest potential, but at the same time maintaining high morale.

•Responsible for all branch staff meetings with emphasis on sales, marketing and loan production.

Responsible for bank branch operations, which includes but not limited to new accounts; loan processing; teller lines; customer complaints; and administration of all departments. Manager with extensive experience in personnel administration and the management of human and financial resources.

V.N.F.S.C., Tulsa, Oklahoma (a subsidiary of Bank One) (1984-1996)

Vice President, Senior Branch Manager Consumer Finance (1992-1996)

Managed $202 million in direct loan assets and $30 million in dealer floor line assets. Directed branch expense control; operating efficiency; loan approvals; loan administration; return on assets; retail volume; personnel administration; marketing product lines; loan underwriting and supervision of all branch operations.

•Initiate new marketing techniques and dealer call programs. Streamlined branch operations and costs by implementing stronger expense guidelines resulting in last three year profits increasing by 12% first year, 21 % second year; and, 32% in third year ($1.3 million net profit over 3 years). Overall expenses dropped by approximately 13% more than three-year period.

•fully utilized available staff for optimal results by initiating flexible workweek. Improved customer satisfaction, raised employee moral and decreased overtime required.

•Originated new collection guidelines and policies to maintain delinquency ratios (.50%) of total loans outstanding. Also maintained loan loses for branch at .68% of total loan outstanding.

•Installed new accounting procedures and expense control guidelines which cut overall cost by 12% in one year.

•Designed a tiered rate lending program complete with underwriting guidelines that increased loan volume return from $350,000 to $1.2 million in one year.

Assistant Branch Manager/Lending Supervisor (1984-1992)

•supervised six credit and collection employees. Responsibilities included: approvals on all loans made in branch; supervising collection portfolios and management of all dealer and loan related problems. Booked and dispersed all approved loan contracts; audited and reconciled a $20 million dollar dealer floor plan and handled all dealer related complaints. Implemented new lending underwriting standards as needed, keeping branch in compliance with state and federal consumer lending regulations.

Education:

Graduate:

Southwestern Oklahoma State University

B.S. - Business Administration and Marketing Second Major Psychology / Sociology

National Commercial Lending Institute Graduate

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