Fred Chao

• Acquire, manage and grow 65+ profitable account relationships with business customers that have annual gross sales of $10 million - $75 million. • Ensure the overall success & growth of an assigned portfolio by deepening relationships of existing customers and through the acquisition of new customers. • Originate, structure and execute transactions related to commercial lending, treasury management and other credit related products. • Perform effective financial analysis and underwriting in the areas of credit, cash flow and collateral. • Identify and recommend opportunities for process improvement and risk control development.

• Developed new business and deepened existing relationships. • Responsible for leading, directing and coordinating key team members in the analysis and execution in the effective delivery of their products and services to clients and prospects. • Analyzed the client's financial and operating strategies and recommends alternative or additional financial services to best meet the client's immediate and long-term business needs. • Maintained an active pipeline accomplished through active calling efforts and referrals from existing customers and center of influence. • Booked $7.2 million in loans and $615,000 in new deposits for 2021.

• Acquired, managed and grew 80+ profitable account relationships with business customers that have annual gross sales of $5 million - $50 million. • Ensured the overall success & growth of an assigned portfolio by deepening relationships of existing customers and through the acquisition of new customers. • Continually partnered with existing customers in order to fully understand their businesses, goals, strategies and challenges. • Proactively assessed customers’ financial needs for the purpose of formulating a business plan and delivered an effective financial products and services in order to help the customer succeed financially. • Performed effective financial analysis and underwriting in the areas of credit, cash flow and collateral. • Effectively partnered with Treasury Management and other lines of business to deliver the full complement of Wells Fargo commercial products and services. • Structured and completed secured and unsecured business loans and lines of credit. • Monitored loan covenants to ensure portfolio is in good standing.

• Researched and assessed market trends; formulated strategy and analysis. • Promoted business growth through managing research and business development initiatives. • Developed actionable research findings through written reports and presentations. • Drafted and updated business plan and objective.

• Led and facilitated development and tracking of strategic plans resulting in greater brand awareness. • Proposed over 100 business deals by contacting potential partners; discovering and exploring opportunities. • Evaluated and recommended the economic and strategic cost-benefit of partnerships to senior management. • Expanded revenue by 20% within assigned territory. • Assessed market and competitive dynamics. • Supported the strategic objectives and interests. • Built and maintained relationships with over 300 clients.

• Generated economic impact reports (wage loss, lost business profits) that were submitted to depositions and various court systems. • Contributed financial testimony in verdicts amounting to over $25 million. • Provided economic consulting to clients engaged in the litigation process. • Formulated and analyzed plans to aid in the solution of economic problems resulting in winning 100% of the cases. • Collected and processed economic and statistical data using econometric and sampling techniques. • Prepared client, courtroom, or regulatory presentations. • Gathered and interpreted business records, data and other information for clients, attorneys, and industry experts.

• Conducted market research and analyzed customer trends for new business opportunities. • Assisted Marketing with new product launch as well as evaluated product performance and pricing, placed 5 new ATMs in various locations. • Developed and maintained profitable account relationships with over 250 business customers. • Analyzed the client’s financial and operating strategies, generated over $200 million in loans. • Assessed alternatives and financial performance to suggest appropriate course of action. • Deepened existing customer relationships utilizing various product and service offerings resulting in customers having 1 or 2 product/service to 3-5.

• Involved in analysis of customer profitability. • Assisted the Regional/Division Manager manage and oversee operations in Asia. • Managed a portfolio of over 100 banks; formulated market strategy as well as preparation and monitoring of budget and revenue issues. • Performed financial analysis and risk assessment; prepared weekly/monthly/quarterly reports. • Monitored all risk and credit issues and communicated findings and recommendations to senior management. • Analyzed daily account balances and movement for trends and new business opportunities. • Prepared customer performance report to ensure that designated revenue targets are met. • Evaluated product performance.