Vice President Manager

RICHARD V. JEFFREY

*** **** ****** ***** ? Phoenix, Arizona 85013 ? 602-***-**** ?

ablltt@r.postjobfree.com

Commercial Credit Administrator ? Client Relationship Manager ?

Strategic Business Planner

PROFILE

Extensive commercial lending experience at the executive leadership level.

Proven track record of success in leading teams to balance production with

quality. Hands-on leader devoted to developing personnel to exceed

production expectations while still maintaining compliance with procedures,

polices and regulations. Diverse knowledge of all types of loans and all

levels of complexity - both secured and unsecured - as well as loan

restructuring, collection and liquidation processes. Extensive experience

creating credit policies, establishing operating procedure and successfully

growing loan portfolio. Very familiar with government requirements.

Specialized knowledge of SBA loans. Dedicated to maintaining current

knowledge of industry trends or emerging products to meet changing client

needs. Knowledge of:

. Working Capital Loans

. Revolving Lines of Credit

. A & D Loans

. Commercial Credit Cards

. Owner/User Comm. Real Estate

. Construction Lending

. Special Assets

. Business Acquisition Loans

. Loan Restructuring

PROFESSIONAL EXPERIENCE

Vice President and Lending Manager, National Bank of Arizona, Phoenix,

Arizona

6/2009 to 4/2010

Directed all aspects of bank's underwriting of commercial loans for owner-

users, small business loans under $500,000 and SBA loans regardless of

size. Supervised team of 5, managed team's performance, identified

training and development opportunities. Established unit's strategic plan,

defined standards and set monthly goals.

. Managed commercial underwriters in compliance with bank-established

service level agreements. Reviewed credit proposals, approved loans

within credit authority, recommended other credits.

. Trained staff to improve underwriting skills.

. Managed Treasury Management credit process for commercial clients.

Directed underwriting and reviewed complex loan structures up to

$7MM. Trained staff in loan and credit analysis methods for these.

. Reorganized workflow to match underwriter skills which greatly

improved client service levels. Created service level agreement

compliance scorecard which improved compliance from 80% to

consistently above 90% compliance.

Vice President and Senior Lending Officer, Bank USA, Phoenix, Arizona

7/2006 to 2/2009

Managed and trained credit analysts and oversaw the underwriting and

portfolio review process for all commercial loans. Marketed, underwrote,

processed and managed closing and servicing of commercial loans. Obtained

SBA 7(a) certification. Supervised team of 2 direct and 2 indirect reports

with a portfolio of $26.5MM.

. Assisted the Chief Credit Officer to develop, communicate and ensure

compliance with the bank's credit policy. Reviewed all credit memos

prior to presentation, approved credits within authority or referred

with recommendation for approval. Managed liquidation process for

untenable credits.

. Managed business development program, establishing new clients for

bank, cross-sold products and developed new lending solutions to meet

client needs.

. Established the SBA lending program and implemented Community

Reinvestment Act lending program and ensured compliance with federal

regulations.

. Organized and managed the team that reviewed 50 commercial loans

valued at $40MM acquired from other lending institutions. Directed

the performance of all due diligence, underwriting and risk rating.

RICHARD V. JEFFREY

705 West Rancho Drive ? Phoenix, Arizona 85013 ? 602-***-**** ?

ablltt@r.postjobfree.com

Commercial Loan Officer, Choice Bank, Scottsdale, Arizona

4/2005 to 7/2006

Recruited to develop and market commercial loan program for de novo bank.

Brokered $4MM in non-bank loans to other lenders. Marketed, underwrote,

processed and managed closing and servicing of conventional and 504 real

estate loans.

. Established bank's commercial credit standards. Created and

facilitated training program for processors that led to increased

production and compliance with all federal regulations.

. Established bank's business development program. Grew the bank's

commercial portfolio from less than $5MM to more than $12MM in just

under 6 months. Closed $17.1MM in loans.

. Diversified bank's loan products beyond previous concentration in CRE

loans. Maintained knowledge of market trends and emerging products to

expand client solutions.

Executive Vice President / Chief Credit Officer, Business Development

Finance Corp., Phoenix, Arizona

7/1986 to 4/2005

Directed the commercial lending program to include marketing, underwriting,

processing, servicing and collection. Supervised team of 24. Planned

staffing and oversaw all personnel aspects to include screening, hiring,

training, performance evaluations and discipline as needed. Created credit

policies and closing processes. Oversaw lending program profit by managing

pricing and controlling loan fees. Single signature authority of $4MM.

. Developed a profitable, self-supporting loan department that

consistently outperformed industry standards in every category such as

volume and delinquency.

. Managed business development, developed and monitored marketing plans,

grew from a small lender to one of the largest SBA lenders in Arizona

with a $175MM portfolio and more than 500 SBA and non-SBA loans.

Supervised all lending personnel.

. Expanded volume by establishing client relationships, networking,

marketing additional products to existing client base and building

strategic relationships with influential people and organizations.

EDUCATION

Graduate Studies, Philosophy, completed all but thesis

Catholic University of America, Washington D.C.

Bachelor of Arts, Philosophy

Lincoln University of Missouri, Jefferson City, Missouri

PROFESSIONAL ASSOCIATIONS

National Association of Development Companies, Member, 1992 to 2003

. President, Vice President for Technical Issues, Vice President of

Membership and Training and as President of Funding Committee.

. Represented the industry during the revision of the standard operating

procedures for the SBA.

. Trained lenders in both traditional and uniform cash flow analysis and

partnered with an attorney to train lawyers and loan processors in the

proper procedures to close commercial loans and SBA loans. Created

training program and all support materials to ensure students'

detailed understanding.

AWARDS

Arthur Goodman Diversity Award, awarded by National Association of

Development Companies, 2001

. Recognized for developing a financing program for minority and women-

owned businesses.

Financial Services Advocate of the Year, twice awarded by Arizona District

office of the SBA

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