STEVEN M. CROSBIE Celina, TX 75009 (817)690-7644 scrosbie2@gmail.

com OBJECTIVE SENIOR ACCOUNT MANAGER SUMMARY OF QUALIFICATIONS

Experienced banking professional with over 19 years history of successfully achieving goals in all aspects of banking including: management, commercial credit, strategic budget planning, operations and financial strategic planning, marketing and partnering referrals. Loan losses over 19 years of experience never exceeded $100M. Excellent customer service, organizational and communication skills to successfully market banks financial services. Computer skills include: MS Word, Excel, Outlook, ACT software program, Quick Books Pro and Internet navigational skills. PROFESSIONAL EXPERIENCE SMC Business Consultant 2008 to Present BUSINESS CONSULTANT Consult clients in the financial services and consulting environmental industry focused on auto dismantling, network planning, product profitability and acquisition due diligence process. Provide expertise in financial performance modeling, business plan enhancement, advanced statistical analysis and functional specialist for private equity firms. Comerica Bank Texas 2007 to 2008 COMMERCIAL BANKER Responsible for: Actively growing a commercial credit and deposit accounts. Aggressively developed new business with existing commercial customers and new customer base. Package SBA Loan for existing and start-up companies. Experience in driving business through cross-selling existing relationships, and customer services improvements while building partnerships with key business decision makes. Annually review business financials, existing bank products, with key business owners. Develop many networking channels for new business relationships. Summit Bank N.A., Arlington, TX 2005 to 2006 SENIOR LOAN OFFICER Successfully increased commercial credit portfolio and service deposit accounts to $15MM, with portfolio centered in Working Capital Line of Credit, Equipment Lines of Credit, Commercial Real Estate, and Borrowing Base Certificate Lines. Aggressively developed new business with existing commercial customers and new customer base.

Packaged SBA loan for start-up companies. Built partnerships with key business decision makers while driving product sales and continually improving customer service. Annually review business financial reports with key decision makers, recommending increase in line of credit, additional financing or banking products and increase in staffing levels.

Wells Fargo Bank, N.A., Dallas, Texas 1986 to 2005 SENIOR RELATIONSHIP BANKER, Irving, TX (1999-2004) Actively managed a $20MM diversified credit and deposit portfolio, with portfolio centered in Commercial Real Estate & Investment Real Estate, Working Capital Lines of Credit, Letter of Credits, Equipment Lines of Credit, and Borrowing Base Certificate Lines. Maintained the portfolios with a past due balance over 30 days too less than 1%. STEVEN M. CROSBIE Page 2 Wells Fargo Bank/SENIOR RELATIONSHIP BANKER (Contd): Grew and maintained new loan production up to $25MM for the past 5 years. Marketed bank services to new and existing customers, increasing retention by installing confidence and reliability in bank and services. Aggressively developed new business with existing commercial customers and new customer base. VICE PRESIDENT, BUSINESS BANKING OFFICER, Tucson, AZ (1997-1999) Managed $15MM small business credit portfolio and service deposit accounts with portfolio focusing on Working Capital Line of Credit, and Equipment Lines of Credit, Commercial Real Estate. Aggressively pursued new business with existing small business customers as well as my customer base and packaged SBA loan request up to $250M. VICE PRESIDENT, CONSUMER BANKING MANAGER, South Bend, IN (1990-1997) Managed three retail sales offices with over $85 million in assets. Directly supervised Consumer Banking Managers, Personal Bankers, Teller Supervisor and indirectly responsible for 30 employees. Oversaw all activities for a consumer banking retail store with $35 million in assets. Established business development goals and objectives with direct reports. Provided daily sales performance coaching and conducted yearly performance appraisals. Developed a small business credit portfolio up to $50M. Developed and serviced the New and Used Automobile Dealers in the South Bend market place. SENIOR CONSUMER CREDIT OFFICER & MANAGER, South Bend, IN (1986-1990) Managed the consumer loan and collection department within six branches of the bank. Developed the budget, sales goals for lenders, growth in small business portfolio and created operational and strategic planning for the bank for the Consumer Loan Department. EDUCATION Professional Home Inspection License Bachelor of Science, Major: Industrial Technology/Manufacturing, Ohio State University, Columbus, OH 2009 1978