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C level banking executive, Strategic Planning, Credit Culture

Tallahassee, Florida, United States
January 22, 2017

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Summary of Qualifications

Strategy Leadership Innovation Profitability

A C-Level Executive with demonstrated leadership and extensive experience in Strategic Planning, Team Building and Staff Development, Change and Project Development, Financial Management and Budgeting, Consultative Sales, Sales Management, Operational Efficiency, and Regulatory Compliance.

Successfully hired and led an Executive Management team from bank application to de novo status.

Effectively managed department operations through procedural and structural changes.

Played a key role in business development and helped to raise several million dollars in investment capital

Proactive community and civic involvement through Rotary, non-profit boards and Chambers of Commerce.


Engaging Business Solutions, LLC 9/10-present

Consulting firm dedicated to leading banks, credit unions and business owners in the alignment of the organizations mission, vision, corporate values and strategic planning. Custom solutions to enhance operational performance through trusted management techniques, critical path change management, process and project management employee engagement. Areas of focus include Credit Culture Development, Credit Risk Management Analysis, Annual Loan Review, and Process Improvement.

Chief Credit Officer- (First Commerce Credit Union) Tallahassee, FL 10/14-9/16

Reporting to the CEO, a contract to perm led Credit Administration team through change in department staffing, credit and analysis, lending policy and portfolio restructure. Increased quality and upgraded policies to meet internal and external reviews. Managed a $360MM portfolio and increased yield by 150bp. Led indirect sales team, Mortgage origination, collections, loan servicing and credit analysts. Presided over the loan committee and member of ALM committee. Presented monthly reports and policy changes to Board of Directors.

Updated credit policy to reflect current regulatory requirements for commercial, commercial and residential real estate, government guaranteed, and participation loans.

Implemented new models and technologies that increased accuracy, efficiency and consistency of presentations.

Evaluated technology for credit underwriting and loan documentation

Chief Credit Officer- (Summit State Bank) Santa Rosa, CA 12/11-5/14

Reporting to the CEO, led Credit Administration team through change in department staffing and portfolio restructure. Improved quality and upgraded policies. Managed a $295MM portfolio while maintaining a $1.25MM individual approval authority. Led sales team of 10 to generate new and expand existing credit relationships. Key member of Loan, ALCO and Technology committee. Presented monthly reports to Board of Directors.

Updated credit policy to reflect current regulatory requirements for commercial, commercial and residential real estate, government guaranteed, and participation loans.

Implemented new models and technologies that increased accuracy, efficiency and consistency of presentations.

Developed, implemented and calculated new regulatory compliant ALLL methodology.

Reduced problem credit outstanding and REO by 40 and 75% to increase profitability.

Evaluated technology for credit underwriting, CRM and stress testing.

Chief Credit Officer (First Security Bank) Bozeman, MT contract 4/11-12/11

Position was a turn-around of bank under order. Structured and led a new credit administration department, implemented portfolio management strategies, developed and implemented a regulatory compliant ALLL methodology. Established upgraded standards, policies and procedures. Reported to the President and CEO and presented to Board of Directors. Voting member of loan committee.

Improved credit quality by a full regulatory rating.

Led the change in credit department restructure as the internal representative to regulatory agencies.

Methodologies approved by external auditors, examiners and loan review.

President and CEO (Liberty Bay Bank) Poulsbo, WA 4/07-8/10

Dual role- Chief Credit Officer

Successfully raised $11.5MM start-up capital and received the only Washington State and one of 9 new FDIC charters granted in 2009. Recruited a high quality management team. Strategically prepared and gained approval of initial business plan, Developed organizational process and procedures, consulted with internal and external auditors and regulatory agencies. Member of and reported to Board of Directors and member of Loan, Governance and Audit committees.

Evaluated and implemented core processing, credit underwriting technology.

Developed and implemented innovative marketing strategies, insured accurate financial reporting and regulatory compliance.

Worked with BOD on strategic planning, policy formation and credit approval process.

Frontier Bank 8/06-4/07

Vice President-Commercial Relationship Manager, Silverdale, WA

Charged to expand market and identify new branch location and build branch team in Bremerton, WA. Frontier Bank was closed by FDIC in 2010.

Kitsap Bank

Vice President, Commercial Banking Relationship Manager, Bremerton, WA 10/04-7/06

Developed a marketing plan for entry into new market, originated new relationships and managed credit quality of $27MM commercial banking and real estate portfolio.

US Bank/Firstar 1/99-9/04

Regional President, Phoenix, AZ

Represented Minneapolis based executive management expanding the Bank’s unified vision and expectations in the 5 branch satellite on Phoenix. Implemented bank programs and policies to achieve short and long term objectives. Led region to improve overall financial and operational performance of a $220MM credit portfolio.

Demonstrated leadership through career development of direct reports.

Chaired Local Advisory Board, Corporate Giving, Management and CRA committees.

Sr. Lender, managed team of middle market relationship managers, underwriters and support staff. Responsibilities include credit approval, sales management, credit quality, P&L.

Managing Director, Private Client Group Scottsdale, AZ

Successfully established Private Client Group for high net worth and professional clients. Accountable for local P&L, sales/marketing plan, staff development and networking.

Bank of America Phoenix, AZ 1/93-10/99

Vice President - Private Banking Officer

Vice President, Commercial Real Estate Officer

Assistant Vice President, Special Assets Officer

Lincoln Savings & Loan Association Phoenix, AZ 6/88-12/92

Loan Officer

Credit Analyst

IDS/American Express Phoenix, AZ 9/84 to 6/88

Personal/Business Financial Planner

Developed personal or business financial plans based on client’s needs and objectives. Collected delinquent accounts.


Graduate Pacific Coast Banking School in Seattle, WA- 2007

BA Business Administration, University of Phoenix, 1990


Non Profit Boards of Directors include Junior Achievement of Arizona, Ballet Arizona, Salvation Army Bremerton, Bremerton Chamber of Commerce. Classroom Instructor at Olympic College for two years: Developing a Business Plan.

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