CANDIDACY PILLARS

COMMERCIAL LENDING, NEW BUSINESS DEVELOPMENT, & RELATIONSHIP CULTIVATION EXPERTISE

Þ Repeatedly built, managed, and grew commercial lending portfolios—reaching $280M+—by identifying emerging market opportunities, gaining access to decision-makers, assessing lending needs, and presenting actionable solutions.

FINANCIAL LEADERSHIP, ACCOUNTING CONTROLS, & POLICY & PROCESS GOVERNANCE

Þ Foundational experience as a CPA and CFO with heavy experience in the real estate industry, possessing a background building financial infrastructures and teams, instilling operating and accounting controls, and coordinating M&A activities.

EXPERIENCE

First Merchants Bank Ann Arbor. MI

Relationship Manager II August 2022 to present.

Manage a $30mm portfolio of diverse customers.

FIRST NATIONAL BANK IN HOWELL, Brighton, MI

Vice President, 2017-2022

Engaged in a pure business development—‘Hunter’—role, building the bank’s commercial lending portfolio, developing a robust and high-conversion pipeline, and originating $7.6M in loans in FY 2018. Identify and pursue emerging opportunities, leveraging business and market acumen to differentiate lending solutions for real estate development and investment firms, retailers, student housing developers, construction companies, and single- and multifamily residential properties.

Þ Brought first-time opportunities to the bank with key wins including a $1.1M line of credit for a 59-property investment, $4.8M loan for a retail center with national anchors, $1.8M for student housing, $1.1M for a single-family housing development, $1.4M for gas station and retail construction, and $3M for a 52-unit apartment complex.

CHEMICAL BANK, Ann Arbor, MI

Managing Director, 2013-2017

Built and maintained a $60M loan portfolio consisting of 35+ relationships with 85+ notes, successfully navigating multiple infrastructure and system migrations—due to mergers and acquisitions—with near-zero relationship attrition. Partnered with owners, management, and staff to create lending solutions aligned with clients’ needs, building a portfolio representing receivable / inventory loans (C&I), and owner- and nonowner-occupied real estate.

Þ Generated $8M+ portfolio growth during tenure by deepening relationships with existing clients, identifying new business development opportunities, and coordinating the efforts of credit staff in efficiently closing requests.

MICHIGAN COMMERCE BANK, Farmington Hills, MI

Senior Vice President, Business Special Asset Group, 2009-2012

Transitioned to the Work Out Group and charged with managing 65 credits totaling $48M in troubled, substandard, and impaired loans. Performed analysis of collateral, documentation, and financial data to define borrowers’ ability to repay debt, negotiating with borrowers and legal counsel to maximize revenue recovery and prepare forbearance agreements.

Þ Recovered $5M in loans representing the successful resolution of 14 credits, working diligently to negotiate mutually agreeable repayment terms, and navigating an exceptionally challenging economic environment.

Senior Vice President, Business Loans & Services, 2005-2009

Led a team of 6 lenders in managing a commercial lending portfolio exceeding $280M—for what was Ann Arbor Commerce Bank prior to acquisition by Michigan Commerce Bank in 2009—comprised of student housing, retail investment properties, and multifamily residential complexes. Reported to the Board of Directors, presenting loan production, fee income, lost opportunities, and strategic plans to generate sustainable growth in an increasingly challenging climate.

Þ Coached the sales organization to generate multimillion-dollar annual portfolio growth ($20M+/year), overseeing all business development activities, identifying emerging opportunities, and managing administrative efficiencies.

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CLARKSTON STATE BANK, Clarkston, MI

Vice President, Senior Loan Officer, 2001-2005

Joined this de novo bank, in its third year of operation, and proved instrumental in quadrupling assets from $30M to $129M through development of a centralized commercial lending group. Selected, onboarded, and coached a team of five commercial, installment, and residential lenders—along with a three-person support team—in generating and administering new business. Implemented a post-closing support function to drive quality, accuracy, and efficiency.

Þ Excelled in generating awareness of commercial lending solutions, uncovering new market opportunities, and differentiating offerings by assessing customers’ needs, customizing programs, and delivering unmatched service.

Þ Built genuine relationships with influencers and decision-makers within target accounts: real estate development firms, retailers, restaurants, commercial office buildings, storage facilities, and more.

Þ Engaged in the community as a brand ambassador, participating in such organizations as the local Rotary and Chamber of Commerce, not only as a means of generating awareness, but also to ignite a referral network.

Select Foundational Experience —

RESOURCE TITLE AGENCY, Southfield, MI

Treasurer

Þ Launched the company’s Southfield branch and grew 15% YOY, recruiting and managing 15+ associates, establishing operational and accounting controls, and building the infrastructure to manage a high volume of closing requests.

ERWIN ROBINSON COMPANY, Detroit, MI

Chief Financial Officer

Þ Played a role in two acquisitions, modernized backroom operations, deployed accounting and reporting systems, and teamed with a Big 8 accounting firm to improve inventory control for this $52M scrap recycling business.

EDUCATION & DEVELOPMENT

UNIVERSITY OF WISCONSIN

Graduate School of Banking

MICHIGAN STATE UNIVERSITY

Bachelor of Arts (BA), Accounting, Business Administration Minor

Passed Certified Public Accountant (CPA) Exam

INDUSTRY INVOLVEMENT

Instructor, Becker CPA Review Course

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