Senior Vice President Commercial And Real Estate Lending

MICHAEL KENNETH RICHARDSON

**** ****** **** **., *******, TX 77059; Cell - 713-***-****; ************@*******.***

SUMMARY

Competitive, results-oriented leader with over 35 years of experience in administration, management, marketing and credit. Effectively develop and manage long-term relationships with clients, management and staff to achieve business objectives, expand opportunities and increase profitability. Strong leadership skills inspire teams to unique successes applying innovative solutions to challenges. Proactively identifies, engages and captures business opportunities. Skilled negotiator and closer comfortable discussing multimillion-dollar contacts with senior-level executives. Recognized for entrepreneurial thinking and initiative.

Problem Solving Training Development Goal Orientation

Business Development Contract Negotiation Staffing, Mentoring and Coaching

Relationship Building Creative Analysis Interpersonal Skills

Effective Planning Presentations Effective Communications

EXPERIENCE

Enterprise Bank via merger with Allegiance Bank 2022-2023

Allegiance Bank via merger with Enterprise Bank 2015-2022

Enterprise Bank 2007-2015

Senior Vice President

Managed a broadly diversified portfolio consisting of $50M in loans and $30M in deposits with no charge offs. Responsible for helping clients achieve business growth goals. Commercial and real estate lending in southeast Texas and Texas Hill County.

Performed as consistent top producer obtaining 10% growth in loans and deposits for $750M Enterprise Bank, $2B Allegiance Bank, $5B Steller Bank.

Implemented Small Business Administration lending for bank including SBA 504 and 7A program loans.

Created and cultivated relationships with business owners for future lending and deposit growth requirements.

Worked with internal departments, title companies, and insurance agencies for successful completion.

Provided financial information and analytical data to appropriate parties.

Capital One, N.A. 2004-2007

Senior Vice President

Successfully achieved results in sales, marketing and business development activities, which call for deployment of new ideas, technology and process applications. Planned and managed due diligence, negotiations, planning, deal closing and coordinating deal integration.

Achieved top producer for Southeast Region qualifying to receive stock options and cash rewards.

Attained profitability for new Houston Clear Lake Branch in shortest period in company’s history.

Led introduction of SBA Lending.

Originated six large land development loans in Austin, Hill County and Metro-plex.

Introduced agricultural and cattle lending.

Coastal Banc, s.s.b. 2000-2004

Senior Vice President

Recruited to expand retail and commercial lending in Southeast Harris, Galveston, and Brazoria Counties.

Guided and led introduction of commercial lending products for newly created Coastal Banc, s.s.b.

Launched introduction of SBA and EXIM BANK lending.

Citizens State Bank 1991-2000

Executive Vice President/Member Board of Directors/Chief Credit Officer

Developed lending strategy to diversify lending approach from strictly retail to combination of retail and commercial. Increasing loans and deposits by 15% per year. Influenced credit policy changes which improved Risk Grade from 3 to 1 in 18 months.

Coordinated introduction of SBA lending

Shaped and introduced new credit policy, loan analysis and loan presentation.

Strengthen loan operations by implementing formal credit underwriting.

Increased overall profitability by 10% through administering changes to asset mix and laddering investment portfolio.

Upgrading and expansion of professional staff

Elevation to position as member of the following committees: New Product, Marketing, Asset/Liability and Pricing

Brenham National Bank 1989-1991

Senior Vice President/Chief Credit Officer

Engaged to overhaul credit policy and underwriting. Instrumental in improving Risk Grade from 4 to 2 in two years.

Overhauled loan operations, credit underwriting and credit analysis.

Renegotiated troubled assets.

Bank One Texas, NA 1988-1989

Senior Vice President

Led all credit underwriting and lending for $300M branch.

Renegotiated troubled assets.

Strengthened credit underwriting and financial analysis.

River Oaks Bank and Trust 1979-1988

Vice President

Accountable for $20M loan portfolio and $22M deposit portfolio. Obtained immeasurable knowledge in administration of and lending to Trusts.

First City National Bank 1975-1979

Assistant Vice President

Selected 1 out of 14 for Bank’s prestigious management training program. Extensive credit training for 18 months, specializing in corporate finance, real estate, energy, international and commercial lending.

EDUCATION

B.A.A., Finance, University of Texas, Austin, Texas

GRADUATE CERTIFICATE

Graduate School of Credit and Financial Management, Stanford University, Palo Alto, California

References are available upon request

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