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1013 Boldmere, Texas 76712

* 37 years of diverse financial experience
* 19 years of banking (lending, credit, loan workout , business development)
* 6 years of regulatory & consulting experience (RTC and Fact Witness)
* 11 years of city government (Community Development & Housing)
* Proven leadership in startups and large organizations
Key Achievements
* Two personal community development awards (City of Waco)
* 21 departmental awards/recognitions (City of Waco) - Housing/Community Develop
* Special Achievement award (RTC)
* City of Waco Housing and Community Development - considered model programs by
* Supervised 50+ Managing Agents and only Fact Witness for RTC in the Southwest
* Supervised and organized a $ 400 million Loan workout division (Sunbelt)
* Sr. Lender for several banks including a de novo bank and built a solid loan p
* Equipment and Asset Based lending experience along with formal credit training

* Broad banking background which includes the following:
o Commercial , Executive, Consumer lending
o Real Estate and Interim Construction lending
o Asset Based , Equipment and SBA lending
o Credit Administration & Loan Review
o Business Development
o Loan Workout
* Regulatory and City Government experience which includes:
o Fact Witness, Litigation Support & Fraud Investigations
o Managed failed financial institutions for RTC
o Community Development and Housing - homeless and low income
o Economic Development & Community Planning
Professional History
Director of Housing and Community Development Divisions, City of Waco - 1/99- Pr
* Manage the funding and monitoring of over $10 million dollars of HUD grant mon
* Guided the start-up of the City of Waco Housing programs- assisted in excess o
f 975 families
* Brought in excess of $100 million dollars of economic benefits to the City of
* Developed numerous loan programs, sale of the City's real estate, tax abatemen
ts, etc.
* City has a loan portfolio of approximately six million dollars along with a su
ccessful interim construction loan program
* The City's housing program has gained national recognition/awards
* Administer 20 internal and 16 external Community Development programs
* Assisted in building the capacity of local non profits
* Assisted in the formation of a Waco Housing Coalition and growth of a Homeles
s Coalition
* Work with Low Income Housing Tax Credits, Section 202 , Tenant Based Rental an
d other rental programs
* Provided Habitat with economic development float loan (successful Restore)
* Oversight of HUD and other grant funds (clean audits from HUD)
* Created successful Residential Tax Abatement (generated over $ 1 million in ne
w construction values), Infill Lot Sale, Demo Grant, Infill Development, Mortgag
e Foreclosure, IDA, Sidewalk, Infrastructure programs, etc.
Sr. Vice President, First National Bank Waco - 6/96-12/98
* Supervisor of small business lending
* Loans -Professional, SBA ,asset based/factoring loans commercial, real estate,
consumer, executive
* Successfully managed a loan portfolio for approximately $20 million
* Supervised three credit analysts in the analysis and approval of all loans
* Credit Administration , Loan Review & Loan Workouts
Financial Industry Consultant and FDIC/RTC Field Operations Officer - 1/90-12/96
* Retained as a Fact Witness on very large complex FDIC/RTC lawsuits
* Reviewed hundreds of boxes of loan files with corresponding testimony
* Responsible for the management of 75 RTC Managing Agents
* Managed failed institutions ranging in assets from $ 16 million-$ 9 billion
* Supervised all managing agents in southwest territory
* Responsible for the liquidation, administration and downsizing of failed finan
cial institutions
* Responsible for REO budgets, loan classifications, disposition of assets, loan
review /workouts, etc
* Compliance audits
Sr. Vice President Sunbelt Savings - 10/89-12/89
* Managed a $ 400 million loan workout division
* Turned around a poorly run operation, instituted proper procedures
* Litigation support, loan administration, FDIC/FSLIC compliance, loan recovery
* Financial analysis, legal documentation and loan workout
Sr. Vice President, First Bank Las Colinas - 9/83-9/89
* Responsible for all lending and credit administration
* Business development, supervised credit department
* Loan workouts and credit/collateral analysis
* Successfully defended three lender liability cases
* Established credit administration procedures for de novo bank
* Loans: consumer, real estate, private banking, commercial, SBA ,etc
Assistant Vice President, InterFirst Bank Dallas - 80-83
* Successfully developed southwest market - asset based lending
* Financial and Collateral analysis
* Monitored legal documentation and loan servicing
Previous Work Experience
* Ford Motor Credit - equipment lending & credit administration
* Mercantile National Bank Dallas - Sr. Credit Analyst (supervised all credit an
* North Dallas Bank - Loan officer and credit administration
* American Bank Baton Rouge, La. - formal credit training and loan officer
* B.S. Business Administration - L.S.U.
* MBA - University of Dallas
* Certified Public Accountant
* Certified Public Manager
* Forensic Certified Public Accountant
* Certified Fraud Examiner
* Certified Divorce Financial Analyst
Other Activities
* Board Member- Treasurer - Texas Homeless Network
* Board Member - Business Resource Center
* Board Member - Emergency Food and Shelter National Program
* Founding Member - Faith Covenant Services, Inc.
* RTC Expert/Fact Witness
* Adjunct Professor - Le Tourneau University
* Financial Industry Consultant
* Local and National NeighborWorks Award winner

Additional Qualifications:
* Planning & Strategy - majority of jobs required working closely with boards, s
enior staff, business community and the general public. I have created and manag
ed strategic plans or had to closely follow existing strategic plans. I am goal
oriented and an entrepreneur by heart. I have managed the City's Housing Strateg
ic Planning process and have reviewed many business plans.
* Department Oversight - have managed as few as two to as high as 1,200 employee
s and carried out the mission and goals of each of these organizations. I have m
anaged numerous compliance audits and dealt regularly with regulators.
* Internal Collaboration - Work well with all types of entities and companies
* Management -I am a team player, on many committees/boards and work well with o
ther internal and external departments
* General - Open management style, dependable, goal oriented, and loyal
* Experience- 10 years senior management experience in affordable housing, tax c
redit financing, low-income housing, non profits, real estate, etc- City of Waco
. In addition, have over 25 years of diverse banking/finance experience - loans,
loan workouts, operations, etc.
* Education - BS- Business, MBA, CPA, CFE, CPM , FCPA & CDFA & specialized cours
es in community & economic development
* Commercial & Residential Development - have worked on numerous bank loans for
developers/builders along with city experience with affordable housing developer
s - subdivisions, infill development, LITC projects, which often included founda
tion and grant funding.
* Leadership Skills - Work well with committees and have always shown my ability
to do what is best for the organization
* Supervision & Management Skills - supervised small and large groups and have w
orked in start-up as well as failing organizations (RTC). I am a team builder an
d have mentored many staff members including Baylor University interns
* Communication Skills- often make presentations to City Council, political offi
cials, boards, committees and to the media.
* Organizational Skills - I am a CPA/CFE and have good detail and attention skil
ls. However, I am a big picture and strategic planner
* Urban Revitalization -have produced over 235 inner city first time homebuyers
along with six inner city subdivisions, rehabilitated or reconstructed 99 homes,
assisted 278 elderly homeowners with emergency repairs, assisted in building 12
Habitat houses, provided significant funding to our non profits - built capacit
y, provided HUD Float loan to Habitat - Restore - economic development, board me
mber of the Business Resource Center - small business loans and counseling, staf
f member of the HOT Housing Finance Corporation, provided Interim Construction l
oans to our affordable builders, instituted a Residential Tax Abatement for our
moderate income families, several of our housing and homeless programs have been
called model programs, etc
* Loan Workout / Litigation Support: I have over 25 years of banking experience
with over 10 years of loan workout / litigation experience. I have testified in
over 12 complex FDIC/RTC financial institution lawsuits along with the investiga
tion of many hundreds of financial files. I was the key fact witness for the FDI
C/RTC cases in the Southwest. I managed other investigators and financial analys
ts studying wrong doing by borrowers, officers/directors and investors.
* Lending: I have been involved in most types of loan transactions including but
not limited to the following: Commercial Business, Consumer, SBA, Asset - Based
, Commercial & Residential Real Estate, Equipment, etc. In addition, I have many
years of experience in the business development side of banking. This experienc
e has given me a keen understanding of the needs of small businesses.
* Community Planning - built strong partnership alliances with the community inc
luding neighborhood associations, chambers, builders/developers, lending institu
tions, title companies, foundations, universities, etc.