CAREER HIGHLIGHTS

KEY WORD SUMMARY

Senior Management. Analysis. Communication. Finance. Risk Management
Project Management. Contract Administration. Acquisitions. Arbitration. Planning
. Leadership. Planning. Motivation. Team Work. Delegation
Long/Short Term Goal Oriented. Logical Decision Making .Trouble Shooting. Implem
entation. Organization. Research/Investigation

PROFESSIONAL OBJECTIVE:
SENIOR ADMINISTRATIVE MANAGER

CAREER HIGHLIGHTS

PRESIDENT and CEO

Bank Plus Organization Group
Cave City, Ky
Nov 2006 to Dec 2009
Led a group attempting to charter a new commercial bank. National financial mel
tdown led to a curtailment of this endeavor.

PRESIDENT and CEO

Bardwell Deposit Bank
Bardwell, Kentucky
May 2003 to Sept 2006

Reponsibilities
Managed day to day operations of troubled commercial bank
Managed bank investment portfolio
Senior lending officer with management over all lending staff
Trained new lenders
Asset/liability manager for bank
Risk assessment officer of bank
Supervise Marketing/product development
Supervise Human Resource function
Achievements
Brought bank back to profitability
Continued to meet MOU requirements
Reduced past due loans from 13.61% to 5.74% in 90 days
Implemented new loan policy
Implement new asset/liability policy
Reworked all loan pricing schedules
Handled very sensitive lender liability issues without litigation
Trained new chief financial officer
PRESIDENT and CEO
Auburn Banking Company
Auburn, Kentucky
Nov 2000 March 2002
Responsibilities
Took over and managed troubled banking operation with branches in 3 communities
Supervised 6 lenders and 22 other bank employees
Member of Board of Directors
Chaired Asset/Liability Committee
Supervised Marketing/Product development
Supervised Human Resource function
Supervised day to operation of full service commercial bank
Achievements
Reduced Classified Assets from 6.5million to 2.2 million
Met all conditions of FDIC/State Memorandum of Understanding
Trained new chief financial officer
Audited and corrected entire data base (30% error rate)
Implemented correct amortization schedules for all loans
Identified unprofitable branch for closing
Implemented formal officer call/business development program

EXECUTIVE VICE PRESIDENT AND CEO

Kentucky Banking Centers, Inc.
Horse Cave, Kentucky
1988 to 1998
As Senior Lending Officer, also served as Investment Officer and Marketing Offic
er. Managed commercial bank operations. Supervised design and construction of
new facilities. Recruited, interviewed and hired staff. Trained new Financial
Officer and Compliance Officer. Prepared annual budgets and strategic plan.
Member of Board of Directors for Kentucky Banking Centers and FCB Services, a ho
lding company-owned data processing company. Specified and purchased all compu
ter hardware and software.
* Consistently completed outstanding or satisfactory exams by regulatory agencie
s.
* Experienced most profitable year in company's history, 1997.
* Relocated main office of bank to Glasgow, Kentucky in 1997.
* As CEO, raised loan/deposit ratio from low of 30% to over 90%.
* Outperformed most banks in holding company even with large goodwill expense am
ortization.
VICE PRESIDENT
Horse Cave State Bank
Horse Cave, Kentucky
1978 to 1988 (name changed to Kentucky Banking Center)
Joined organization as part-time Teller while attending graduate school. Promot
ed through various positions including Cashier, Marketing Officer, Compliance Of
ficer and CEO. Created all advertising. Trained new employees. Served as Secu
rity Officer. Operated brokerage service.
* Promoted to CEO within ten years.
* Updated data processing from manual to computer based and introduced PC based
loan processing system to speed up customer service and solve problems of compli
ance.
EDUCATION
Banking
Certification, 1985, School of Banking of the South
General and Standard Certificates
American Bankers Association
Business Administration
Bachelor of Science, 1974, William Carey College
Economics
Graduate Study, Western Kentucky University
ACTIVITIES
President, American Cave & Karst Museum 1994 to 1997
Instructor, Western Kentucky University Banking Program, 1989 to 1991
Board of Directors, Hart County Chamber of Commerce, 1989 to 1991
Mayor, City of Horse Cave, Kentucky, 1982 to 1989
MILITARY
U.S. Air Force, Accounting/Finance, Personnel Resource Manager, 1966 to 1970, 19
72 to 1976
Kentucky Air National Guard, Personnel, 1976 to 1979

Prepared to Provide Immediate as well as Long Term Contributions