Branch Banking, Mortgage and Business Credit Solutions Advisor

www.linkedin.com/in/jeffmiller*u*c JEFFREY A. MILLER ***************@*****.***

An accomplished banking and finance executive with the proven capacity to deliver strong company performances with repeatedly demonstrated diversity and advancement in the highly competitive environments of Mortgage Lending, Secondary Marketing, Branch Banking and Consumer Finance. Have served in a variety of production and management capacities at Fortune Top 20 companies. Performance is proven by results with funded loan volumes approaching one billion dollars and a 15.54% ROI over 7 years at American Home Credit and Loan LLC. Goals are achieved through team building, budget management, competitive pricing, regulatory compliance and mitigating loss by spreading risk. LENDING AND FINANCE EXPERIENCE

Loan Officer-Market Relationship Consultant, Western Pennsylvania Current Wells Fargo Home Mortgage- Shadyside Office 731 S. Aiken Ave, Pittsburgh PA Mortgage Loan Officer Branch Banking 11/13-02/14

RBS Citizens Bank -Home Lending Solutions 205 Main St. Saxonburg PA Mortgage Loan Officer Branch Banking 01/13-11/13

Fifth Third Mortgage, Fifth Third Bank of Ohio, 10583 Perry Highway Wexford, PA President / Managing Director of Mortgage Company 12/01-6/08 American Home Credit and Loan LLC – 106 S. Main St, 8th Floor, Butler, PA Sales Supervisor PA Branch, VLO 15300 Ardmore Blvd, Pittsburgh, PA 05/99-03/00 Amresco Inc.- Lehman Bros. FSB / Finance America LLC - 700 N. Pearl, Dallas, TX Operations Manager, Retail Residential Lending 07/97-2/99 Newport Bay Capital Group – 3434 Via Lido, Newport Beach, CA Vice President National Wholesale Production 05/96-06/97 American Home Credit Corp. – 641 N. Sepulveda Blvd, Los Angeles, CA Vice President, Wholesale Lending, California 06/95-5/96 State Funding Inc. – 701 The City Drive, Orange, CA Assistant Vice President, District Manager Wholesale Lending, Nevada 03/93-6/95 Ford Consumer Finance / ACONA 23046 Avenida De La Carlota, Laguna Hills Division Manager, Wholesale Lending, Equity Advantage Division, California 03/91-6/92 Colonial Bancorp / Equity Advantage Division 3501 Jamboree Road, Newport Beach Business Development Officer - Wholesale Lending / Los Angeles County 04/88-03/91 Wells Fargo Bank -525 Market Street 8th Floor, San Francisco, CA EDUCATION

University of Pittsburgh, Main Campus, Pittsburgh, PA. Bachelor of Arts University Honors Program in Philosophy. Double major in Political Science and Philosophy. Concentration in metaphysics, applied mathematics and statistical models. Noted paradigm shifts in scientific theory in the evolution of modern physics. Minor: Speech, Rhetoric & Communications. Collegiate Soccer, WPGH Radio, Theater, Debate Independent Study University of Pittsburgh: Pennsylvania House of Representatives, Majority Leaders Office, Legislative Information Office, Speaker of the House of Representatives University of Evansville Graduate School of Business, Evansville, IN. Attended classes in Human Resource Development and Personnel Management, No degree Colorado Mountain College - Colorado Real Estate Institute, Vail Colorado- Completed requirements Real Estate Sales License and Real Estate Practice 1983 University of Colorado, Boulder CO. Colorado Real Estate Institute 1992/93 Real Estate Broker continuing education requirements in Real Estate Law: Contracts and Regulations, Trust Accounts and Record Keeping, Real Estate Closings, Practical Applications, Current Legal Issues American School of Mortgage Banking, Tustin, CA -Loan Officer Training Honor's Certificate, Mortgage Loan Underwriting & Self-employed tax return analysis 1987-1988 California Department of Real Estate 1991 FNMA Consumer protection designation Underwriting Certificate #248********** Self Employed Applicant Analysis: Sole proprietor, General partnership. California Department of Real Estate 1991FNMA Consumer protection designation Underwriting Certificate #248********** Partnerships and Corporations (sub S, sub C, LLC’s and LP’s) LICENSES AND CERTIFICATIONS

SAFE ACT: NMLS # 1027694 current

Pennsylvania Dept. of Banking, Mortgage Loan Correspondent License 0134 Pennsylvania Dept. of Banking, Secondary Mortgage Broker License 2588 Colorado and Wyoming Real Estate License (inactive) FCC Broadcast License (inactive) WPGH (Pittsburgh) KVMT, KZYR (Vail, Colorado) PSIA-Level 1 Certified Skiing Instructor, Vail, Co., Northstar at Tahoe and Mt Baldy, CA. American Red Cross – Small Craft Sailing Instructor, Lake Arthur, Moraine State Park, PA CIVIC BACKGROUND

Volunteer, Broad Street Emily Britain Elementary Schools,1st 2nd Grade Reading Program 2004-2006 Lector / Orator- Saint Paul Church, 128 North McKean Street. Butler, PA. 160**-****-**** Public Office - State Committee - 52nd Congressional District, State of Pennsylvania, 1978- 1980 1994 Keynote Speaker California Assoc. of Mortgage Brokers at STAPLES CENTER in Los Angeles Topic The 4 C's Collateral, Capacity, Consumption & Credit, Identifying the Non-Conforming Borrower. Registered Lobbyist 1981 PA Association of State Related Universities Task Force for Higher Education Student Government, University of Pittsburgh Chairman Public and Governmental Relations Committee Student Representative University of Pittsburgh Chancellors Entourage Senate Appropriations Hearings American Field Service (A.F.S.): Hosted a Peruvian foreign exchange student for one year. Professional References

Jim Young 412-***-**** 724-***-**** AVP, Fifth Third Bank 16th Fl. Gulf Tower Grant Street Pittsburgh PA James V Matasso 949-***-**** FDIC, Resolution and Closing Mgr. Dallas TX 49860 Althea Court La Quinta CA Scott Pieto, 412-***-**** former Manager Citizens Bank, Director of Marketing Landmark Mortgage Group Martin Bertocchi Esq. 724-***-**** Assistant Vice President, Secretary, General Counsel Old Republic Insurance Bob Ficca 724-***-**** AVP Commercial Lending, Huntington National Bank, 11940 Perry Highway Wexford Andy Theobald Esq. 724-***-**** Access Closing and Settlement Grp LLC 2000 Corporate Dr. #150 Wexford Sean McKean 724-***-**** Service Manager, Bobby Rahal Motorcars, 10701 Perry Highway, Wexford PA. Leo M. Stepanian II Esq. 724-***-**** Stepanian and Muscatello, LLP 222 South Main St. Butler, PA. 16001 Rosemary Rowe 714-***-**** President CFO City Home Mortgage 12752 Valley View St. Cypress, CA 92805 Joe Lydon 800-***-**** x 2112 former EVP Ford Consumer Finance.15090 Ave of Science San Diego, CA 92128 Jonathan Mass 412-***-**** AVP Branch Manager, Amresco Pittsburgh, PA 700 North Pearl, Ste 2400 Dallas, TX Thomas J. May Esq.724-***-**** Murrin, Taylor, Flach, Gallagher & May 110 East Diamond Street Butler, PA Bobby Kelly 724-***-**** Vice President Finance Manager at Kelly Chevrolet Cadillac Route 8 South Butler, PA Past Accomplishments

Number 1 top producer 14 times at Ford Consumer Finance, Colonial Bancorp and Wells Fargo

Signature authority to $200k loan limit. Second signature to $350k limit at Ford Consumer Finance

P&L and Balance Sheet responsibility w/ budget experience at Ford a Fortune Top 5 Corporation

Passed Pennsylvania Banking audits at American Home and Nevada RESPA /HMDA audits at Ford

CRM, E-marketing, copywriting, design and trademarking of media pieces and radio broadcast loops

Grew monthly funding from 660K to 5+ million via product diversification at AHCC in Los Angeles

Increased monthly funding from $2.9 million to $11 million within 5 months at State Funding Inc.

Began Bulk Acquisitions between Colonial Bancorp and Ford up to 24 million in annual delivery.

Successful negotiation with CEO’s and Boards of Directors with lending experience in 12 states

Secured investor approvals for correspondent & bulk delivery to secondary market investors: FHA, FHLMC,FNMA, RBC, RFC/GMAC, SAXON, HSBC, FORD, NEW CENTURY, CITI, ARGENT,

President’s Club - Ford Consumer Finance -VIP guest at Byron Nelson PGA Golf Tournament

Opened and staffed Equity Division at Colonial Bancorp originating $8.2 million in approved loans adding $126,000 net income within 90 days.

***************@*****.*** page 2 Jeff’s 2019 Lending and Finance resume copyright 2/27/2019