STEPHEN P. ANDREWS

Vice President, Credit Administration Identifying solutions that advance business objectives

Highly analytical and customer-focused executive with the ability to assess existing systems, create improved roadmaps, and secure buy-in from employees, resulting in better customer and employee relations while cutting costs and increasing efficiencies. Possess a depth of expertise within myriad components of the financial industry, training and supporting teams on best practices in consultative sales, account management, and credit administration.

Areas of Expertise Commercial Credit Administration Systems Development Risk Management

Operational Streamlining Client Relations Account Management Client Acquisition P&L Management Process Improvements Team Leadership / Training

Professional Experience

SOUTHWEST BANK, Fort Worth, TX 2008–January 2012 Community bank with $780 million AUM, 200 employees, and nine locations. Vice President, Credit Administration Recruited to improve bank-wide efficiencies beginning with transformation of credit department. Member of Managed Assets Committee, Chairman of Loan Policy Committee, and Secretary of Directors’ Loan Committee. Manage team of five with $250,000 P&L, including underwriting unit, which approved loans in excess of $500,000. Oversee special projects, credit administration reports, financial statement spreads, and compliance issues. Maintain portfolio consisting of 80% commercial real estate. Key Accomplishments

▪ Established and strengthened department with focus on commercial real estate and loans by putting the right people in the right positions and providing ongoing training.

▪ Increased transparency of information sharing with creation of new, concise reports. ▪ Prepared more cohesive team with addition of MAI appraiser to staff. ▪ Established credit training program, which improved knowledge and skills of underwriting and

lending staff. ▪ Elevated bank’s SOPs to industry best practices via creation of enhanced policies and

procedures at level commensurate with billion-dollar banking institutions. ▪ Enabled loan officers to offer fixed rates for long-term projects, opening up new business

opportunities and making bank competitive with larger instituions. JPMORGAN CHASE (fka WASHINGTON MUTUAL), Dallas, TX 2004–2008 One of the world’s oldest financial institutions with $2 trillion AUM, locations in 60 countries, and more than 200,000 employees. Vice President, Asset Manager II Managed $6 billion total loan portfolio with team of 40 across the country and direct oversight of 12 and $3.5 billion within personally led group. Maintained $400 million portfolio of SBA and 504 loans. Taught Omega program, training new hires within group and across bank. Provided leadership team with insight on commercial loans and strategies to transition business through downsizing and eventual acquisition by JPMorgan Chase.

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STEPHEN P. ANDREWS Page Two

JPMORGAN CHASE (fka WASHINGTON MUTUAL) (continued) Key Accomplishments

▪ Reduced $6 billion portfolio to $900 million within four years, dropping team from 40 to eight through proactive customer relations to encourage moving loans outside of bank.

▪ Ensured minimal losses across portfolio via ongoing team training to maintain high level of customer service during tumultuous economic situation.

Y2MARKETING, Dallas, TX 2002–2004 Consulting firm that teaches clients how to increase sales through advertising and marketing. Director of National Expansion Sourced prospective clients and closed sales of marketing and sales tools through outbound calls. Secured letter of intent to purchase $30,000 system, transitioning customers to support staff. Key Accomplishment

▪ Increased closing rate of sales from 30% to 50% via implementation of customer-focused sales techniques.

NBDS, INC. (aka CHEXpedite), Fort Worth, TX 2000–2002 Provider of e-commerce and cash flow solutions for merchants. Vice President of Internal Licensing Identified sales prospects, steering them through sales process to close. Maintained high level of customer service across all interactions. Key Accomplishment

▪ Improved closing rate of sales from 25% to 40% through consultation with customers on finance options to complete purchase.

COMMERCIAL UNDERWRITERS, Fort Worth, TX 1992–2000 Insurance group focused on providing life, property and casualty, and employee benefits through team of five employees. Vice President Managed accounting for firm and offered guidance to clients on 401(k) options as well as group health, long-term disability, and property and casualty insurance options. Secured several million dollars in premiums annually. Created and delivered presentations and negotiated contracts. Key Accomplishments

▪ Established and grew business from inception to multimillion-dollar growth through cold-calling and business development efforts.

▪ Maintained low turnover of clients by acting as trusted partner and one-stop source for issues resolution in areas of human resources and insurance claims.

Additional Experience Sales Representative, CAPITAL FINANCIAL AGENCY, Fort Worth, TX Sales Representative, TRINITY COMMODITIES, Fort Worth, TX Assistant Vice President, FIRST NATIONAL BANK OF FORT WORTH, Fort Worth, TX Assistant Vice President, FIRST NATIONAL BANK OF LUBBOCK, Lubbock, TX

Education Master of Agricultural Economics, TEXAS A&M UNIVERSITY, College Station, TX B.S., Animal Science, TEXAS A&M UNIVERSITY, College Station, TX