Lawrence A. Ratchford, Jr. (Larry) **** Palmetto Point DR Ponte Vedra Beach, FL 32082 C: 904-***-**** E:ad3bjr@r.postjobfree.com

Professional Profile

Accomplished commercial banker with 30+ years of Middle Market & Corporate experience in the Florida market.

Very successful track record of originating, underwriting, and managing large corporate/commercial loan portfolios.

Annual new loan production in the $25MM+ range of high credit quality.

Expertise in all C&I categories, and large complicated financing structures.

Proficient with CRE construction, interest rate Swaps, and Treasury products.

Advanced credit underwriting skills, with sound DSC and recourse structures.

Past clients Mayo Clinic, PGA Tour, U of Florida, and Regency Centers.

Will be a very valuable addition to a financially strong bank with lending capacity.

Experience:

Ameris Bank, SVP, Commercial Banking, Senior Lender, Loan portfolio is currently $125MM loans and with $35MM in deposits. 2021 – Current.

First Atlantic/Centerstate/Southstate Bank - SVP, Commercial Banking, Senior Lender, Developed loan portfolio for startup at $0 to over $100MM loans and substantial related deposits. 2007 - 2021

Florida Bank/Mercantile Bank, SVP, Commercial Banking, Senior Lender, Commercial & CRE lending for new bank. 1997 - 2007

First Performance Bank/Compass Bank, SVP, Commercial Banking Manager, Commercial and CRE lending for startup bank. 1992 - 1997

First Union/Wells Fargo Bank, VP, Commercial Lending. 1986 - 1992.

Commercial Credit Training: First Union/Wells Fargo Bank. Education: University of Florida, BSBA, Finance.