Financial Analyst Officer

Matthew Irvin Walter, MBA, CFA, CTP

*** ******* **** *****, ************, SC 29680 Cell: 864-***-**** ************@*****.*** PROFESSIONAL SKILLS

• Treasurer • Asset Liability Management • Equity Analysis

• Chief Investment Officer • Interest Rate Risk • Portfolio Management

• Corporate Liquidity • Net Interest Margin Analysis • Portfolio Accounting

• Strategic Planning • Commercial/Retail Banking • Financial Planning

• Balance Sheet Risk Modeling • Financial Analysis • Excel Skills

• Fixed Income Portfolio Management • Investment Analysis • Budgeting EDUCATION

MBA - University of South Carolina, Columbia, SC 1990 Bachelor of Science - Finance, University of South Carolina, Columbia, SC 1987 CERTIFICATIONS

Certified Treasury Professional (CTP), Association of Financial Professionals Chartered Financial Analyst (CFA), CFA Institute

PROFESSIONAL EXPERIENCE

Countybank Trust and Investment Group – Greenville, SC Apr 2017 – Aug 2019

$1.1 billion community bank trust department

SVP – Chief Investment Officer

• Chaired Trust Investment Committee and optimized return on investment assets for trustee and agency trust accounts, endowments, corporate and individual retirement plans

• Designed investment return strategies to reach client investment objectives, subject to regulatory and account restrictions. Modified and improved investor performance reporting for client accounts

• Orchestrated annual department-wide trust/wealth management strategic plan. Formalized evaluation performance analysis process of external investment managers and presented results to Executive Management

• Led investment presentations and performance reporting to clients and prospects Citizens First Bank – The Villages, FL Jul 2013 – Feb 2017

$2.5 billion community bank

SVP – Chief Investment Officer

• Served as acting Treasurer with responsibility for balance sheet management, and liquidity

• Managed $1.5 billion fixed income securities portfolio. Identified and strategically realigned net interest income sensitivity position with balance sheet interest rate risk

• Protected capital, while exceeding corporate income profitability initiatives. Researched, recommended and supervised implementation of bank’s new outsourced Asset Liability Simulation Model.

• Developed and presented investment and balance sheet strategies to CEO, CFO and Board of Trustees to mitigate risk, meet liquidity and profitability objectives, while maintaining satisfactory regulatory standing

• Served as Chairman of bank’s Asset/Liability Committee

• Built and managed investment team of three analysts The Palmetto Bank – Greenville, SC Aug 1990 – May 2013

$1.3 billion community bank

EVP - Treasurer & Chief Investment Officer 2010 – 2013

• Served as Treasurer with responsibility for balance sheet management and liquidity

• Served as Chairman of Asset Liability Committee

• Developed and implemented policies, strategies and initiatives of $300MM investment portfolio

• Provided advice to CFO, CEO and Board of Trustees regarding strategic profitability initiatives and economic forecasting. Prepared annual investment plan and interest rate risk sensitivity analyses Matthew Irvin Walter, MBA, CFA, CTP Page 2

• Managed assets increasing from $100MM to $300MM and processed a bank record of over $650MM in securities transactions while reducing department FTEs by over 65%, resulting in saving $160K annually

• Strategically invested $125MM of capital proceeds and $300MM bank portfolio resulting in $10.5MM in gains

• Researched, led and implemented key bank initiatives including the outsourcing of the bank’s Asset Liability Simulation Model, Relationship Pricing Model and changing daily clearing and settlement from the Federal Reserve to a correspondent bank

• Negotiated $25MM correspondent lines of credit, $25MM repurchase facility, & release of $6.5MM in collateral

• Monitored portfolio risk, compliance and strategic asset allocation, while optimizing investment risk/return objectives. Established reputation with external examiners and auditors of ensuring regulatory compliance

• Built a team of 2 professionals and led change initiatives in department EVP - Chief Investment Officer 2006 – 2010

• Served as acting Treasurer with responsibility for balance sheet management and liquidity

• Served as Chairman of the Asset Liability Committee

• Led and coordinated the bank’s liquidity funding plan resulting in retaining $250MM in existing funds of retail clients and in acquiring $100MM in new retail funds

• Provided information for institutional investor due diligence of investment portfolio and asset/liability function, resulting in issuance of $100MM of common stock

• Supported new CEO and COO in recapitalizing the bank and generating a service culture bank wide, including service-orientation, relationship building and collaborative focus on external and internal customers SVP - Investment Officer 2000 – 2005

• Served as acting Treasurer with responsibility for balance sheet management and liquidity

• Introduced total return framework in managing over $275MM bond portfolio, enabling risk return considerations resulting in consistently outperforming industry standards at the top 25% of community banks

• Provided cash flow forecasting to the Asset Liability Committee, and initiated tactics to ensure liquidity to fund balance sheet growth initiatives

• Supported change initiatives for controlled internal balance sheet growth through disciplined pricing, which ultimately prevented a run on the bank

• Developed relations with external and internal auditors, including developing their understanding of investment class risks relative to applying GAAP to write-downs VP – Investment Officer 1997 – 1999

• Served as acting Treasurer with responsibility for balance sheet management and liquidity

• Designed and implemented successful Vault Cash Management Program facilitating a conversion of $2 million of nonearning assets into interest earning assets

• Supported change initiatives for internal balance sheet growth through disciplined pricing, resulting in net interest margin consistently recognized in top 25% of community banks

• Borrowed strategically against lines of credit to ensure corporate liquidity Investment Officer 1993 – 1996

• Served as acting Treasurer with responsibility for balance sheet management and liquidity

• Researched and implemented bond portfolio accounting system, resulting in increased department efficiencies and facilitating automated integration into the bank’s Asset Liability Model Sendero

• Managed correspondent banking relationships including Federal Home Loan Bank Atlanta, Nexity, BB&T, NationsBank, Pacific Coast Bankers Bank, Wells Fargo and SunTrust Earlier Roles at The Palmetto Bank

Commercial Relationship Manager 1991 – 1992

Management Trainee 1990 – 1991

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