MICHAEL OSTERHOLZ 600 Pyrite Road PO Box 307 Platteville, WI 53818 * mo130cd3a@westpost.

net * 208310-0213 ________________________________________ Areas of Expertise: Credit Products * Commercial Lending * Property Management * Business Developmen t Insurance Products * Project Management * Direct Marketing * Construction Manage ment PROFESSIONAL EXPERIENCE UNIVERSITY CITY 2008-Present Full-Service Real Estate Investment Firm with a $50 million portfolio in commerc ial, residential and mixed-use properties. Senior Vice President * Created Insurance Division to help investors cut premiums and enhance coverage through strategic alliances with key regional insurance brokers and national wh olesale insurance companies. * Bundled refinanced loans to meet underwriting standards and increase cash-flow by 20%. * Developed Construction Division to manage quality and cost of rehabs and build -outs, resulting in a 25% savings over contractor costs. * Revised cost analysis and targeted team building saved 20% in capital expendit ures. * Project managed build-out that resulted in a 120% return on investment. * Sold regional banks on new lending products that improved investors' credit ra tings and allowed access to additional loans. * Produced direct marketing campaigns that developed demand in a slumping rental market and resulted in pre-leased apartments up to 8 months before availability . * Implemented communications systems to keep outside vendors on calendar and on budget. * Launched investors' site to access account activity online and communicate wit h group via private portal. MOUND CITY BANK 2006-2008 A community bank with branches in Platteville, Belmont, Cuba City, Mount Horeb a nd Mineral Point. Business Development and Commercial Lending Officer * Recruited to create and manage the business development department for all ban k branches and to assist with commercial underwriting. * Identified and targeted under-serviced market and developed $5 million in new loans without the presence of a physical branch in the area. Michael Osterholz 600 Pyrite Road P O Box 307 Platteville, WI 53818 * mo130cd3a@westpost.net * 208 -310-0213 ________________________________________ (Cont'd) * Created competitive analysis of regional market which provided the foundationa l research to expand into new markets, resulting in a 15% market penetration for new branches. * Developed campaigns to leverage Mound City's reputation as a community lending leader to acquire new business without specials or promotions. * Presented research that convinced board of directors to open two new branches based on business projections; they were the first new branches opened in 40 yea rs.

* Increased commercial loans by 10% and participation loans by 8%. WELLS FARGO 2005-2006 Personal/Business Banker and Consumer/Business Loan Officer * Championed cross-selling techniques to grow revenues with related products. * Awarded multiple "Employee of The Quarter Awards" for beating sell goals for n ew accounts. * Developed community outreach program to facilitate business development outsid e of the branch. AMERICAN TRUST & SAVINGS BANK 200 3-2005 Assistant Research Analyst * Recruited to perform equity side stock research in conjunction with the vice p resident of wealth management. * Retooled portfolio tracking spreadsheet to provide targeted data to portfolio managers. * Created business development marketing materials to attract new accounts. EASTMAN CARTWRIGHT 1998-2003 Assistant Manager * Promoted to Assistant Manager while pursuing undergraduate degree. * Acted as Project Manager for new homes and remodels. * Managed contractor sales, product purchasing and account management. EDUCATION University of Wisconsin, Platteville - Platteville, WI B.S. Business Administra tion (Double Emphasis on Finance and Management) & B.S. Comprehensive Economics University of Dubuque - Dubuque, IA M.B.A. Masters of Business Administration SKILLS Software Proficiencies: ManageIT, MS Office, Quickbooks, Advantage, CADD and Yar di Licensed private pilot with V.F.R. rating