ANTHONY CONFORTI 23 Wildwood Gardens, C1 Port Washington, NY 11050-2329 Direct: (516) 524-9493 ajconforti@msn.

com Twitter: @ajconforti Fax: (888) 357-4392 http://Linkedin.com/in/ajconforti Skype: Anthony. Conforti12

End-To-End Credit Professional: 15+ years experience; credit trained, MBA in Finance. Background in all areas of the credit approval process. Management experience as a Credit Supervisor, Loan Review Officer, Financial Controls Officer. Hands-on experience with various types of facilities, industries, and companies in the C&I and CRE spaces. Demonstrated ability to manage multiple and unique tasks in a thorough and timely manner. Strong credit, interpersonal, and communications skills. Core Competencies: *Staff management and supervision of work flow. *Develop/ manage/execute credit renewal program. *Member/presenter at Credit Committee, chaired Loan Review Committee. *Interface with all levels of staff including RMs, senior and C-level management. *Represent banks interests to auditors and regulators. *Full cycle underwriting. *Portfolio reporting, watch lists, ALLL, policy and procedures. *Impairment Analysis (FASB 114). *Knowledge of bank regs and Basel II (PD, LGD, EAD). Functional Experience Working With Following Types of Credits: SME, middle market, large corporate, CRE, corporate finance (LBOs, MBOs, IPOs, Recaps), fixed income, specialty finance (ABL, apparel, media, health care, NPOs, gaming, FI), TDRs (FASB 115). PROFESSIONAL EXPERIENCE HUDSON VALLEY BANK, Assistant Vice President & Senior Underwriter-Credit Administration 2012- Present Underwrite more complex transactions identifying and balancing risks and mitigants and exceptions to policy. Deal size: $500M to $6MM (bi-lateral). Perform global cash flows and interest sensitivity analysis as required by policy. As member of small business committee contributed initiatives aimed at increasing productivity. REASON FOR JOB SEARCH: Secure management position allowing me to contribute to my employers credit risk management through utilization of my experience and skill sets. CONSULTANT 20082012 BENNINGTON PARTNERS, Loan Review Consultant-Perform financial/credit analysis of obligors to determine debt service coverage, collateral coverage, and verify accuracy of risk rating. Perform Impairment Analysis and assess TDRs. Deal size: $500M to $3MM (bi-lateral; CRE, SBA). SEEDCO FINANCIAL SERVICES, Underwriter-Structure and underwrite term loans to small businesses in the NYC market. Deal size: under $350M (micro-lending; C&I, SBA). REASON FOR LEAVING: Illness in family prevented me from undertaking travel out of town to clients. AMALGAMATED BANK, Vice President & Senior Credit Analyst-Credit Administration 2006-2008 Transformed contract situation into a permanent position; after six-month tenure, promoted to Vice President. Responsible for the underwriting of middle market, real estate, health care, leveraged, gaming, financial, and nonprofits credits reflecting nine figures of exposure. Deal size: $100M to $25MM (bi-lateral and syndicated buy side). Prepared credit renewal, covenant compliance, collateral review, loan modifications and amendments. Prepared industry, market, economic, sector analysis. Presented oral and written analysis and made recommendations to Credit Committee. Client contact: managed credit related portion of relationship. Attend bank meetings with clients. Spearheaded training and research initiatives aimed at strengthening Departments capabilities. REASON FOR LEAVING: Position eliminated following a restructuring.

ANTHONY CONFORTI

CRM&A, Principal & Founder 2004-2006 Provided credit risk services to financial institutions on an advisory basis. Services included credit analysis and administration, loan review, verify adequacy of risk ratings, documentation, loan loss reserve, loan policy and procedures. Deal size: $500M to $10MM (bi-lateral and syndicated buy side). Clients included Bank of Tokyo-Mitsubishi UFJ, Amalgamated Bank, Asia Bank, and CEIS Loan Review Inc. REASON FOR LEAVING: Client (Amalgamated Bank) offered me a permanent position. KOREA EXCHANGE BANK, US Credit & Loan Review Officer 20012004 Directly responsible to the Regional Head of the Americas for executing loan review functions. Chaired Loan Review Committee. Deal size: $50M to $50MM (bi-lateral and syndicated buy side). Re-engineered and instituted revisions in credit policy and process procedures for benefit of the Banks North American loan and investment portfolio. Prepared industry and sector analysis. Knowledge of bank regulations, Basel II regarding lending practices. Prepared ALLLR. Represented the Bank in issues regarding credit risk and asset quality to domestic and overseas regulators. REASON FOR LEAVING: Bank closed. FLEET BANK, Vice President-Credit Review 19982000 Responsible for ensuring credits adhered to existing credit guidelines, were appropriately structured and underwritten, analyzed and risk-rated, and continued to remain creditworthy. Deal size: $1MM to $50MM (bilateral and syndicated buy side). Identified potential problem credits in order to minimize losses and recommended loan loss reserves. REASON FOR LEAVING: Position eliminated due to merger with BankBoston. WATERSIDE POINT CAPITAL-Partner & Co-Founder 1996-1998 As an independent consultant, provided credit services to banks on an advisory basis. Prepared new business proposals, loan reviews, and amendments; developed and implemented computer-based spreadsheets and projections. Deal size: $10MM to $25MM (syndicated buy side, Fortune 500). REASON FOR LEAVING: Clients migrated to other firms. PREVIOUS EXPERIENCE BANK OF SCOTLAND-Assistant Vice President (Corporate Finance | MARINE MIDLAND BANK-Credit Supervisor | GULF INTERNATIONAL BANK-Senior Credit Analyst, Credit Administration Officer, Financial Controls Officer | BARCLAYS BANK-Credit Analyst | UBAF ARAB AMERICAN BANK-Credit Analyst PROFESSIONAL DEVELOPMENT Completed two Credit training programs: (1) the RMA/Omega Commercial Loans to Business program and (2) the Marine Midland Relationship Management Advanced Credit Training program. | Completed Fleet Banks Basic Corporate Finance, Applied Corporate Finance and Business Risk Analysis courses | Completed webinars on UCA Cash Flow, Cash Based Income Tax Returns, Guarantors and Personal Cash Flow, Incomplete Financial Information. | Completed Baruch Colleges course on valuation. | Attended Baruch Colleges course on the gaming industry. | Certification by BAI on BSA and AML. | Completed New York Institute of Finances Train the Trainer program. COMPUTER SKILLS MS Office, spreadsheets (proprietary, self-developed, vendor-developed [Baker-Hill, FAST, FAMAS]), Moodys, KMV, S&P, Bloomberg, and Internet search. EDUCATION MBA, Finance BA, Economics Baruch College, New York, NY St. Johns University, Jamaica, NY