PHILIP S. HATFIELD 781 Reef Point Circle a Naples, FL 34108 818.441.1945 a ph15c9c9e@westpost.

net

CORE COMPETENCIES a Highly dedicated, self-motivated professional with impressive Special Asset Re covery experience. a Exceptional teamwork and directional skills specializing in risk and financial analysis/restructuring. a Astute ability to analyze problems and make decisions in an adversarial enviro nment. a Effective facilitator and negotiator in reversing stressed client relations to a positive resolution. ACCOMPLISHMENTS a Wrote and implemented Board of Directors approved Problem Loan and Real Estate Owned policies. a Collaborated $1.6M unsecured debt restructure eliminating bank exposure and up graded risk analysis. a Bargained $1.2M lender liability resulting in restructured debt, adjusted rate and time to repay. a Negotiated non-cash settlement 75% of $10M preference action by U.S. Bankruptc y Trustee. a Sold $1M note/deed trust to third party receiving all principal/partial intere st/costs w/ no foreclosure. PROFESSIONAL BANKING and MANAGEMENT EXPERIENCE ASSET RESOLUTION OFFICER, RBC Bank (Royal Bank of Canada), Naples, FL 3/08 a" 3/ 11 a Transferred to Naples to continue upholding over 60 accounts w/ $45M Problem L oan Portfolio. a Covering Southwest Florida, Georgia and Alabama territories. SPECIAL ASSETS OFFICER, Regions Financial Corp., Atlanta, GA 3/07 a" 3/08 a Responsible for 75 accounts w/ $30M portfolio (South/North Carolina, Virginia, Northeast Georgia) a Successfully collected and resolved over $9M in loans in a nine-month period. MANAGER OF SPECIAL ASSETS/1st VP, Hanmi Bank, Los Angeles, CA 1994 a" 2007 a Reduced $20M problem to $10M, while managing office operations and motivating staff of six. a Setup, organized and supervised the Real Estate Owned Section of the departmen t. a Increased charge-off recoveries from an average of $200K to $1M+ per year. VP of SPECIAL ASSETS, Union Bank of California, Los Angeles, CA 1987 a" 1994 a Initially hired as Commercial Loan Adjustment Officer and promoted throughout tenure. a Handled middle market and small business problem commercial loans. SPECIAL CREDIT COORDINATOR, Foothill Capital Corp., Los Angeles, CA 1986 a" 1987 a Worked with problem commercial term loans, inventory and accounts receivable f inancing, real estate foreclosures and equipment leasing. ASSISTANT VICE PRESIDENT, U.S. Bank of Washington, Seattle, Washington 1978 a" 1 986 a Resolved problem loans, collections and resolution of small business and middl e markets.

EDUCATION B.A. History / Political Science, Western Washington University, Bellingham, Was hington Business Management, Seattle University, Seattle, Washington American Institute of Banking: Business Law I/II, Economics, Accounting I/II, Co mmercial Lending Pioneer National Title Company: Principles of Real Property and Escrow Omega/Consultants to Bank Management: Understanding Business Cash Flow, Bank Op erations 10th District of the International Consumer Credit Association: Management Cours e