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DeLand, Florida 32720 Home 386-279-0831 Cell: 386-228-7259

CAREER OBJECTIVES I am seeking a position with a financial organization to allow use of my experience in all areas of lending, credit administration, management, business development, loss mitigation and regulatory experience. CAREER SUMMARY Career spanning 36 years, all in the Central Florida market, in all phases of credit administration and lending. Highlights include opening of a successful community bank and its lending area for 20 years, management of area credit administration for a statewide bank and Special Asset team meeting goals for disposal of problem assets and sale of distressed properties. Accomplishments include: Supervision of loan area from start up to over $300MM in outstanding balances. Approval by SBA as a preferred lender in Central Florida through increased loan volumes. Management of staff in all areas of lending, business development and commercial banking. Proved Credit and Business Development skills.

PROFESSIONAL EXPERIENCE VICE PRESIDENT SPECIAL ASSETS TEAM LEADER Hancock Bank- $20 Billion multistate bank based in Gulfport, MS. Orange City, Florida 2009 to 2013

Management of a team of 5 account officers and 2 support staff for a portfolio of C & I, Commercial Real Estate, Residential and A & D loans for the Orlando and Jacksonville markets. Responsible for approval of all litigation, settlement and collection efforts as well as reporting to Senior Management of progress. Reduced portfolio from $700MM to $280MM during tenure. Coordinated all activity with outside counsel. Responsible for asset sales of over $100MM. VICE PRESIDENT REGIONAL CREDIT OFFICER 2007 to 2009 Peoples First Community Bank- $2 billion dollar 33 office statewide bank. Altamonte Springs, Florida

Responsibilities include origination and management of a loan staff of 3 lenders and loan portfolio of $280MM and area credit approval for the Central Florida market, specializing in Consumer, Commercial Real Estate, A and D loans and C & I loans. Credit approval and for credits up to $1MM and approval of all Special Asset strategies, litigation, documentation and collections. Coordination of calling plan and marketing efforts for business development resulting in annual loan volume of $60MM. Individual loan portfolio of $25MM and new loan generation of $15MM annually. EVP CHIEF CREDIT OFFICER & SENIOR LOAN OFFICER First Community Bank- $395MM community bank with 10 offices DeBary, Florida

1986 to 2006

Full responsibility for credit and loan function for C & I, Commercial Real Estate, SBA, consumer, residential and credit card loan portfolio of $300MM for a $395MM community bank in Volusia County, with 10 locations and 8 lenders with annual loan volume of $120MM, including secondary market and reverse mortgage programs. Accomplishments and responsibilities including: Implementation of all credit policy and procedures from origination of bank in 1986 to sale in 2006. Coordination of collection area where past dues historically were below 1% with ROA at 1.2% or better. Management of staff of 22, asset/liability management as well as full reporting to the Board of Directors and Compliance with Regulatory Authorities. Member of Banks Senior Management Team and Chairman of Loan Committee. Supervision of a personal loan portfolio of $60MM and annual loan volume of $30MM with fee income generation of $100M annually.

VICE PRESIDENT- COMERCIAL LENDING Florida National Bank - $6 billion 52 office statewide bank. Deland, Florida

1983 to 1986

Commercial lender for local office of a statewide bank holding company. Responsibilities include business development, underwriting and portfolio management of $20MM commercial and Commercial real estate loan portfolio.


B.S. B.A.-Accounting and Economics