Connie Whiteford 940 Trenton Lane North, Plymouth, Minnesota 55441 Email: cw11a420e@westpost.net Ph.

763-545-1955 SUMMARY

Cell 763-442-5019

Extensive years of experience in banking and financial industries, with more tha n 10 years of credit analysis experience. Analyzed client financial information, proposed loan structures, determined accurate collateral market values, while w orking closely with the lenders to ensure all facets of the loan conformed to cr edit policy. Strengths are in organizing and prioritizing tasks into action plan s. BUSINESS EXPERIENCE 2002- Wells Fargo Bank, N. A., Minneapolis, Minnesota 2009 CREDIT UNDERWRITER /ANALYST, Wealth Management Group, Private Banking Prepared accurate and timely credit analysis of high-wealth private banking cli ents, identifying relevant credit issues for both new credits and annual credit reviews. * Accurately spread all client financial statements, verifying prior and project ed future debt service. * Assisted Private Bankers in structuring loan requests to ensure conformity to credit policies, reducing outstanding policy exceptions by 30%. * Presented detailed and well-reasoned risk ratings that included recommending c hanges when appropriate, and rerated loans when changes in financial industry wa rranted. * Demonstrated knowledge of all collateral types and methods of analysis for rea l estate, investment portfolios, boats and vehicles. Rerated collateral when cha nges in the economy indicated additional collateral risk assessment. 1998- Marquette Capital Bank, N. A., Edina, Minnesota 2002 CREDIT ANALYST/ OFFICER, Private Banking Division- (1999-2002) Provided analytical / underwriting support to the two Private Banking lenders with the la rgest client portfolios in the division. Performed credit analysis, ordered loa n documents, prepared loan presentations, and closed loans for lenders. Reviewe d critical loan documents, evaluated the bank's collateral position and lien per fection, performed audit evaluations and identified variances, when appropriate. * Maintained a thorough knowledge of credit policies and compliance regulations to ensure loan adherence. Reduced outstanding exceptions by 60%. * Assumed lender's responsibility for maintaining the portfolio and took request s for new credits when the Private Banking lender with the largest portfolio lef t the company, in addition to supporting the second lender. COMMUNITY BANKING OFFICER, Retail Division- (1998-1999) Sold retail and business-based banking products within newly created market. * Developed referral sources in the mortgage industry to build a $20 million por tfolio in one year. 1988First Bank, N.A., Minneapolis, Minnesota 1997 PERSONAL AND BUSINESS BANKING OFFICER, Retail Division Established new banking relationships with both individuals and businesses to se ll bank products and increase market penetration. Maintained an existing portfo lio of clients, making sales referrals to other areas of the bank when appropria te.

Connie Whiteford 763-545-1955

- Page 2-

PERSONAL AND BUSINESS BANKING OFFICER (cont'd) * Created and maintained a personal and business customer portfolio that increas ed from $11 million to $22 million. * Deepened relationship with portfolio customers with a high level of customer s ervice and product delivery that resulted in 80% of my revenue generated by my e xisting customer base. * Obtained Series 6 securities license to sell proprietary funds. 1980Marquette Bank Minneapolis, N.A., Minneapolis, Minnesota 1987 ASSISTANT VICE PRESIDENT AND MANAGER, Payroll Banking Division- (1985 - 1987) Analyzed and reorganized a failing bank division that sold packaged retail banki ng products to businesses. * Expanded the program by adding two retail products and twelve services. Partic ipated in the design of collateral materials. * Developed division training manual. Led training seminars that addressed produ cts, procedures, sales and customer service. * Increased portfolio from $16 million to $21 million in two years. BUSINESS DEVELOPMENT OFFICER, Retail and Trust Divisions- (1980-1985) Led retail product/business development officer for Clifford Trust. Expanded Cl ifford Trust program by adding new product areas, and training sales staff. Joi ned the Trust Division to coordinate the program's liquidation. * Increased the size of the Clifford Trust program by $3.6 million in three year s by adding a loan feature to the product. * Reviewed and made product recommendations to management that resulted in bank participation in three new product areas. * Created and led banker training for all metropolitan retail, trust, investment and insurance bankers, using new product materials developed. * Coordinated liquidation of the $6.2 million Clifford Trust portfolio, due to 1 984 tax-law changes. Retained 70% of the business by making inter-bank referral s. COMMUNITY SERVICE * Founding member of Edina's Kiwanis chapter that promoted networking and commun ity service participation. Resulted in 6 new business and 15 new personal bankin g relationships in one year. Initiated the chapter's involvement in an elementar y school program for children with reading difficulties. * Designed and implemented training programs for more than 400 volunteers from 1 2 companies for a major Twin Cities' annual fund raiser for hunger relief within the community for three years. Increased company visibility while contributing to the community food banks. EDUCATION * B.A. in Communications- University of Minnesota, Minneapolis, Minnesota