Ralph Bumbaca

Regional Vice President for commercial lending in the New York Metro Area.

A Team Leader responsible for portfolio and people management as well as business development in the New York Metropolitan area. Leading a team of five relationship managers and a portfolio administrator in growing and managing a $400MM loan portfolio and a $100MM deposit portfolio for our small business and middle market clients. Initiated a client driven sales and cross sell strategy which stimulated growth and profitability. Focused on direct calling efforts for both existing clients and prospects. Achieved new loan volume of $95MM, annually. Created a strong working relationship between the relationship managers, the retail network and credit underwriting teams to enhance the client's experience. Top performing team in the region for both 2006 and 2007 generating a ROA and ROE above plan. Strong ability to motivate others, make decisions, and establish priorities to deliver results on time.

A Relationship Manager responsible for business development and account management in the New York metro area. Managed more than $150MM in loan commitments generating in excess of $2MM in annual revenues for a portfolio of 20 customers ranging in sales size of $50MM to $2 billion. Successfully cross-sold a private placement, and several large cash management solutions that resulted in over $2MM in non-interest income. Completed two agented transactions generating additional interest and non-interest income.

Relationship Manager responsible for business development and account management. Generated and managed in excess of $75MM in loan commitments generating in excess of $1.5MM in annual revenues for a portfolio of 15 customers ranging in sales size of $25MM to $500M+. Successfully completed three structured finance transactions generating additional fee income.

Relationship Manager responsible for business development and account management. Managed five lenders, assisting in business development and portfolio management. Generated $350M in fee income and increased assets by 35% in 1997. Portfolio consisted of 80 middle market size companies located in Brooklyn, Queens, Nassau and Suffolk counties.

Relationship Account Officer responsible for 33 accounts in the Brooklyn, Queens and Staten Island market for company's with average sales size between $25 million to $250 million. The portfolio produced $1 million in annual pre-tax income generating 5 new account relationships contributing $650M in new business pre-tax income over a twelve month period. Rated top performer in loan volume and fees

Commercial Lending Officer responsible for developing new account relationships and managing an active portfolio of loans to health care providers. Customers range in size from $15 million to $2 billion in net revenues. Structured and negotiated the terms and conditions of credit facilities with customers. Monitored and assessed industry information and risks associated with health care lending, i.e. reimbursement, uncompensated care, competition and access to capital. Restructured troubled loans and arranged the sale of foreclosed assets.

Responsibilities included marketing and selling loan participations to other financial institutions for the purpose of controlling loan exposure, industry concentration, and balance sheet management.

Successfully completed 16-month training program encompassing lending rotations and classroom courses in financial accounting, risk analysis, economics and banking, and corporate finance.