936-***-****

Employment Experience

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Community Banks of Colorado, Grand Junction, Colorado

Senior Vice President, Northwest Region / Commercial Lending

Review, and Analyze complex financial statements and tax returns in order to make recommendations on commercial projects

Prepare balance sheet reviews, tax return compilations, spreads, and trend analysis for presentation to review board

Developed awareness, community involvement programs for bank brand new to Western Colorado market.

Assisted junior lending staff in analysis / review / decision process

Developed “Green lending” programs for bank

Manage portfolio consisting of development and construction projects, commercial real estate projects, commercial lines of credit

Left due to bank wide lay-offs as a result of the economy

9/05 to 11/06

WestStar Bank, Grand Junction / Fruita Colorado

Vice President, Commercial Lending

Conduct initial interview, fact finding, and analysis to assess how projects and customer needs fit with bank portfolio objectives.

Fostered relationships with local and regional businesses, land developers, real estate firms, and miscellaneous organizations through cross selling bank products while making calls on prospective customers

Monitor and analyze local and regional economic conditions to determine effects on proposed projects

Analyze proposed collateral and review for any potential (title, environmental, zoning) that may exist and be in direct conflict with either proposed usage or bank lien interest

Made recommendations to internal (bank committees) and external (potential partner banks and organizations) based upon analysis of proposed projects

Left due to bank being sold.

7/03 to 9/05

Heritage Land Bank, Arlington Texas

Vice President, Commercial Lending –

Market bank and bank brands, make presentations to current and prospective commercial borrowers

Participate in several community and professional organizations to increase public awareness of bank and products in a previously undeveloped market for this organization

Conduct initial analysis and fact finding to determine financial condition of both current and prospective commercial clients.

Participate in industry related activities to develop new relationships and networks in order to efficiently build a sound foundation for the development of our commercial lending operations.

Work with both current and prospective commercial borrowers to determine loan needs and tailor our products where possible to their financial needs and situations.

Implemented a marketing plan and database targeting strategy.

Have secured applications in excess of $40mm and have issued commitments of approximately $17mm in the last six months in a market where our brand recognition was non-existent.

Secured the financing on the first bio-diesel/ethanol refinery to be located in Texas, commercial timber tracts, a food processing operation, a coffee importer / processor, as well as a commercial nursery with bids pending on one of the largest meat processors in the state.

Left due to CEO being replaced and my position being permanently assigned to an area I was not willing to live in.

Previous Position:

Assistant Vice President / Manager of 3 Lending Branches- Responsible for increasing loan volume in the East Texas market as well as administration and supervision of three branch offices and portfolios, as well as a contact branch. Responsibilities also include compiling and reviewing credit files on both individuals and business entities applying for credit with the bank, as well as making loan decisions and structuring loans to increase portfolio size and profitability while at the same time minimizing exposure to loss. Was also responsible for marketing the bank to eight East Texas counties in order to increase penetration on agricultural based consumer, business, mortgage, equipment, and construction loans.

Tripled loan volume from previous year in an under-performing branch through aggressive marketing and community involvement.

Developed strong contacts for the bank with contractors and realtors in the area.

Increased penetration in both the commercial poultry and commercial timber industries.

Managed combined accounts in excess of $75 million

6/01 to 7/03

Ford Motor Credit Company, San Antonio Texas

Dealer Account Manager- Responsible for selling financial services and

products to the southwest Texas body of automotive dealers. Responsibilities also include maintaining positive dealer relations and creating and implementing promotional contests and incentives to increase business volume.

· Promoted to this position after only 18 months of service with the company, due to strong customer loyalty, making me the youngest account manager in the entire organization.

· Increased finance penetration in under performing dealers and developed two of the five highest penetrations in the entire region.

· Developed contest and incentive plans to further increase market share and finance penetration in Southwest Region.

· Prior to promotion, served as a Dealer Services Analyst in the San Antonio Sales and Marketing field office. Responsibilities included consumer credit analysis and risk management, contract negotiations, dealership financial statement evaluation as well as

the preparation of reports based upon evaluation, using complex industry specific financial and risk modeling programs to determine risk level on large wholesale credit lines and making recommendations based upon evaluation.

Left to avoid being transferred to Detroit

8/99 to 5/01

A-1 Gun and Archery , Nacogdoches Texas

Worked in the retail sales department selling archery, firearms and hunting equipment. Also responsible for trouble shooting, ordering, and repairing archery equipment. Employed while pursuing Marketing degree.

Left upon graduation

5/94 to 7/99

Texas Department of Criminal Justice

Served in all aspects of security in an institutional facility. Employed while pursuing degree.

Computer Skills Experienced in using Microsoft Office Suite products as well as industry and company specific software applications

Special Skills Technical writing, negotiations, creating promotional ideas, relationship marketing, financial risk assessment/review.

Education Stephen F. Austin State University, Nacogdoches, Texas

Bachelor’s of Business Administration May 2001

Major: Marketing, GPA 4.0

Overall GPA 3.67

Lee College, Baytown Texas

Completed 60 hours, with emphasis on Criminal Justice

GPA 3.7

Involvement Ducks Unlimited (Chapter Chair), Rocky Mountain Elk Foundation (Active Committee Member), Safari Club International (Life Member)

Honors Beta Gamma Sigma National Business Honor Society

B.L. Deming Outstanding Marketing Graduate 2001

Graduated Magna Cum Laude

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