Ian Campbell: in Escondido, CA

Collections Management • Managed a team of 5 direct employees and 20 indirect collectors • Trained a offshore team to support collections across seven countries • Proposed and implemented a collection module that helped prioritize and evaluate collection strategies by individual collectors and teams. Saved $3.2M over 1st six months of implementation. • Designed a reporting tool that has been used to track Average-Days-to-Pay and as a result of the implementation of the report, Days Sales Outstanding has been reduced. Credit Management • Managed the credit underwriting and A/R risk management of a portfolio that comprised 1,400 domestic and foreign accounts. • Proposed and implemented an A/R billing model that resulted $16.6M in savings over the 1st year of the program. The savings came from a mix in anticipation and cash flow savings as well as reduced potential preference risk. • Received COO award for billing model • Developed a fraud mitigation policy that has helped prevent three

• Managed a portfolio that comprised OEM relationships across 7 countries and large domestic retail relationships with high corporate visibility. Managed a staff of 2 credit analysts. Prepared reports for Senior and Executive Management, as requested. Trained staff on systems: SAP, Oracle, BW, Cortera & ProServe as well as tax, policies and best practices. Liaison with internal and external auditors to ensure compliance • 2010 - Recognized as Employee of the Year

• Prepared & presented financial analysis, risk and return assessments and provided viability recommendations based on investigative due diligence to senior management • Conducted meetings to discuss business forecasts, budgets, earnings projections, financial stability and banking relationships with internal & external senior management • Identified and successfully mitigated potential loss from an organization based in Iran that was circumventing a US trade embargo. • 2002 - Recognized as Employee of the Year

• Prepared & presented financial analysis, risk and return assessments and provided viability recommendations based on investigative due diligence to senior management

Primary lending areas • Commercial Real Estate (multi-family properties, retail centers, retail owner-occupied, new construction) • Agriculture - Feedlots (line-of-credit financing) • Retail Operations - (working capital, inventory financing, import letters of credit, new business start-up / expansion) Primary lending areas Commercial Real Estate (multi-family properties, retail centers, retail owner-occupied, new construction). Agriculture - Feedlots (line-of-credit financing) Retail Operations - (working capital, inventory financing, import letters of credit, new business start-up / expansion) Business segment includes those clients with revenues from $0.2 million - $ 2 million annually.