Manager Vice President

Jeff Patterson

P.O. Box **** ~ Blairsville, GA **514 ~ 706-***-****

****.*********@*****.***

Objective_____________________________________________________________

Equipped with over 20 years of management leadership experience in the banking

industry, I seek an executive level position whereby a customer focused attitude and the following skills could assist your company:

• Proven track record in retail banking and commercial lending

• Budget preparation & implementation towards excellence

• Finance, credit administration, and operational background

• Experience in multi market location management and business development

Experience____________________________________________________________

Nantahala Bank & Trust, Franklin NC

June 2008 until January 2011

Senior VP and Chief Credit / Operating Officer; Responsibilities include

general oversight of credit risk and operational risk. Interest rate and liquidity risks impacted through membership of Asset / Liability Committee. Performed chief credit officer duties centered around all aspects of managing a $170 million portfolio interfacing with lenders and customers and responsible for market share growth. Managed commercial credits and all loan committees. Responsible for FDIC and State regulatory audit compliance and communications to the Board of Directors. I have managed, measured and monitored metrics in a troubled institution environment. Designed and launched Other Real Estate Owned procedures and special asset department. My span of control included secondary market mortgage lending and cross selling bank products across footprint. All operations personnel reported to me with two direct reports and included eleven team members. Managed all strategic plans and budgets in my area.

Bank of Hiawassee, Hiawassee Ga.

March 2005 to March 2008

President and member Board of Directors with day to day responsibilities of operating a $450 million asset sized bank. Managed all aspects of risk in a community bank environment and responsible for market share growth and $30 million budget. Significant accomplishments include growing the balance sheet over $160 million and increasing net income 104% to $5.3 million after taxes. Earnings per share rose from $3.96 to $6.98. Book value increased from $30.81 to $45.50. A new banking office was opened in Blue Ridge, Ga. and the company raised $5 million in new capital. Implemented customer focused cultural change and structured business development efforts across branch networks. Managed all stockholder communications.

United Community Bank, Blairsville Ga.

January 2000 to March 2005

Executive Vice President / Credit Administration. Senior Credit officer with credit administration responsibilities for the quality of $330 million loan portfolio reporting variances to the Board. Managed eight lenders and support team of seventeen people and responsible for increasing market share. Personally manage $75 million portfolio with over 300 relationships. Was awarded "Officer of the Year" by my peers for outstanding leadership. Responsible for vendor management and all budgets. Significant accomplishments include the decline of charged off loans by 57% since 2000. Past due loans were maintained at or below 1%, The last FDIC examination saw less critical remarks concerning the entire loan process and best CAMELS rating in bank's history.

United Community Bank, Blairsville Ga.

February 1999 to Jan 2000

Holding Company Vice President Retail Banking. Responsible for all themes concerning Non-Interest Income and the growth of each component across entire footprint. Launched two new products company wide and stream-lined product offerings. Delivered all marketing concepts and organized all presentations and training to staff concerning new products. Analyzed all service charges and fee income accounts and budgets of same. Oversight included the Trust Department and staff. Significant improvements were made to the bottom line amounting to an increase of $1.75 million over the previous year or 11.5% (excluding mortgage operations).

Other Experience_______________________________________________________

Habersham Bank, Cornelia Ga. Senior Vice President / Corporate Secretary

Senior Credit Officer with loan authority in all markets and direct responsibility for loan committee. Credit administration responsibilities for the quality of entire loan portfolio with authority for implementing loan review process and interfacing with various regulatory agencies. Managed ten lenders in four markets and responsible for market share growth. Member Asset Liability Committee, Marketing Committee, and Budget Committee.

First National Bank of Atlanta, Gainesville Ga. Officer and Branch Manager

Responsible for origination of consumer and commercial loans including documentation

preparation and closing of same. Develop business through calling efforts. Branch

Manager duties with responsibility for day to day operations. Manage six tellers and two support staff.

Education_____________________________________________________________

Brenau University Gainesville, Ga MBA 1997

North Georgia College Dahlonega, Ga BBA 1982

Other Education________________________________________________________

Young Harris College Young Harris, Ga Graduate

American Bankers Association Graduate

Commercial lending Diploma

LSU Graduate School of Banking of the South

Baton Rouge, Louisiana Graduate

Community Activities__________________________________________________

Chamber of Commerce - Chairman of the Board, Vice President, Chair of Finance and

Treasurer.

United Way - Board Member, Treasurer, Fund raising Committee, Allocation Committee.

American Heart Association - President, Campaign Chair, Volunteer of the Year.

Leadership Habersham Graduate, Nominee for Leadership Georgia

Rotary - member from 1988 to 2008 with perfect attendance, Lt. Governor, Board

member, Treasurer, Will Watt Fellow, Multiple Paul Harris Fellow, Charter Member

Georgia Rotary Student Program Endowment Trustee, past District 6910 Conference

Chairman, President 1993-94 during which the club received many district awards

including Presidential Citation, Best Community Service Award, Significant Achievement Award, and the prestigious Club of the Year.

Young Harris College Foundation Board

North Georgia Technical College Board Chairman

Deacon, Nominating Committee Chair, R.A. Leader, Youth Committee

Hospital Authority and Board Member

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