RICHARD P. FINAMORE

**** ******** **., ******* ******, GA 30542

772-***-**** mobile / adhxj8@r.postjobfree.com

HIGHLIGHTS

** ***** ** * *** and C&I Lender; 6 years as a Team Leader

** ***** ** * ******l Assets Account Officer; 4 years as a Team Leader

Formal Credit Training at a New York City money center bank

6 years as a VP SBA portfolio manager

BS and MBA; majored in Finance

3 years as a Commercial Fee Appraiser; produced over 100 narrative appraisal reports

17 years as a Certified General Appraiser; Georgia / Florida / Maine PROFESIONAL EXPERIENCE

Quantum National Bank 8/2019 – 10/2020

505 Peachtree Industrial Blvd., Suwanee, GA 30024

Vice President and SBA Portfolio Manager

Managed over 100 SBA 7A loans within the Bank’s footprint in Georgia. Also focused on several problem credits including restructuring and collection activities. Responsible for reducing loan exceptions, performed site inspections, construction disbursements, administered insurance loss proceeds and collected past due payments. Originated several PPP loans and worked with the Borrowers to forgive the loans under the CARES Act. Analyzed and submitted for approval several loan deferment requests for Borrowers who were unable to resume making payments when the 6 months of the SBA making the loan payments ended.

Fidelity Bank 5/2016 to 7/2019

415 Grayson Hwy, Lawrenceville, GA 30046

Vice President and SBA Portfolio Manager

Managed a portfolio of SBA 7A, 504 and USDA loans mostly in Georgia, Florida, North Carolina and Texas. The portfolio included approximately 160 loans ranging from $250,000 to $3,000,000. Also managed the sale of OREO properties for the SBA department.

State of Maine, Department of Transportation 11/2015 to 5/2016 16 Child Street, Augusta, ME 04333

Right of Way Appraiser II

Conducted Right of Way Appraisals for the purpose of acquiring property for departmental purposes. Responsibilities included preparing, reviewing, and approving detailed narrative condemnation appraisals of complex acquisitions in accordance with departmental and state/federal policies and procedures. SunTrust Bank 9/2003 to 4/2015

303 Peachtree St NE, Atlanta, GA 30308 404-***-**** Vice President / Relationship Manager / Team Leader January 2008 to April 2015 – As Special Assets Account Officer managed a diversified classified loan portfolio exceeding $200MM throughout the Southeast and Mid-Atlantic States. Established collection strategies, accrual status, risk ratings, forecasting and other portfolio management functions. Developed action plans to minimize losses and maximize the Net Present Value (NPV) of alternative strategies. Negotiated modification, forbearance, loan restructuring agreements or proceeded with enforcement of the loan documents based on the merits of each case. Worked closely with borrowers, attorneys and credit authorities to achieve the desired results. Also assisted in the disposition of properties when they were acquired as OREO. In 2014, designated SBA contact officer for all special assets SBA 7a and 504 loans. Followed SOP procedures for liquidation and demand for purchase i.e. collected the amount guaranteed by the SBA when the Borrower’s business was no longer viable. September 2003 to January 2008 – As Commercial Real Estate Relationship Manager and Team Leader produced over $150MM in commercial real estate loans in the South Florida Market including residential acquisition and development, interim and construction loans secured by office buildings, industrial warehouses, multi family, retail properties and land. Other activities included managing team members, preparing loan packages for approval, closing loans, administering the loan portfolio and cross selling the Bank’s products and services. Richard P. Finamore

2

Boyle and Drake, Inc., Vero Beach, FL 9/2000 to 9/2003 Certified General Appraiser

Produced over 100 narrative commercial real estate appraisals and market studies on a fee basis mostly for Banks covering a wide variety of property types. Licensed as a Certified General Appraiser since 2003. Axiom Mortgage Services, Vero Beach, Fl. 11/1996 to 9/2000 Owner / Director

Organized and established a Florida Licensed Mortgage Brokerage Business specializing in originating residential and commercial mortgages on a nationwide basis. Also acted as a consultant to Omni Financial Services, a Colorado based tax lien resolution service.

Barnett Bank of South Florida, Port St Lucie, FL 6/1995 to 10/1996 Vice President / Corporate Banker

Rejoined Barnett Bank in 1995 to implement a middle market lending program and managed a $15MM C&I loan portfolio. Increased deposits by 25% with most of the increase attributable to the City of Port St. Lucie Chase Manhattan Bank, Bridgeport, CT 3/1992 to 3/1995

(Consolidated Asset Recovery Corporation – CARC)

Vice President and Team Leader

Liquidated more than $100MM in C&I and commercial real estate loans for the FDIC two years earlier than plan. Prepared and presented action plans for the repayment, restructure and collection of under performing loans to the Bank’s management and the FDIC oversight committee. Engaged legal counsel to enforce repayment and completed the foreclosure process when applicable.

Fleet Bank & Connecticut Bank & Trust, Hartford, Ct. 12/1985 to 3/1992 Vice President and Team Leader

Generated over $200MM in commercial real estate loans and $1.5MM in fee income. Transferred to the Special Assets department in 1990. In a Team Leader capacity, managed the restructuring and liquidation of more than

$150MM in under performing loans.

Barnett Bank of South Florida, Miami, Fl 9/1982 to 12/1985 Vice President and CRE Relationship Manager

Produced over $100MM in commercial real estate loans in South Florida generating more than $1MM in fee income. Other Employment 1972 to 1982

Held positions of increasing responsibility at the following financial institutions: City National Bank of Florida, Chemical Bank, Flushing Savings Bank, Emigrant Savings Bank and New York Urban Servicing Co., Inc., correspondent to John Hancock Mutual Life Insurance Co. EDUCATION

Pace University, New York, N.Y. 9/1977 to 6/1981

MBA - Financial Management

Long Island University, Brooklyn, NY 9/1970 to 6/1973 BS - Finance Major

Nasson College, Springvale, ME. 9/1968 to 6/1970

Professional Licenses

Georgia Certified General Appraiser – 364216 Expiration 11/30/2021

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