ERIC W. HUBBARD 1705 Wildwood Court Glenview, IL 60025 (773) 991-7802 eric@vikingadvisorsllc.com

COMMERCIAL BANKING EXPERT

20+ years of banking experience adding and restoring value to the balance sheet.

Extensive background in Regulatory Compliance, including managing regulatory examinations

resulting in material reductions of proposed loan loss provisions.

Critical thinking skills applied to loan review assignments yielded new perspectives on potential

systemic lending and regulatory compliance deficiencies and helped to develop corrective measures.

Demonstrated success in negotiating in order to move problem assets in a fast and cost-effective

manner to maximize the return to the bank.

REGULATORY COMPLIANCE SKILLS WORKOUT SKILLS

Loan Review

Appraisal Review

Loan Risk Grading

Policy Drafting

Board Reporting

Crisis Management

Staff Recruitment & Retention

Regulatory Relations

Loss Provision Negotiations

Regulatory Response

Forbearance Documentation

NPA Project Management

Property & Short-sales

Foreclosure-Receivership

NPA Policies & Procedures

PROFESSIONAL EXPERIENCE

VIKING ADVISORS, LLC — Glenview, IL

Community Bank Consultant on Regulatory Compliance, Capital Attraction & Retention, Loan Workouts & OREO Management/Sale issues.

Consultant, April 2011 to Present

Advisor to community banks to attract and preserve capital, improve asset quality and correct

regulatory deficiencies.

Key Results:

Confidential assignment where I introduced an investment group to a troubled community bank.

Currently negotiating definitive agreement.

Managed asset due diligence team for the purchase of a troubled community bank.

EWH CONSULTING — Glenview, IL

Bank Management, Lending and Regulatory Compliance Consultant.

Sole Proprietor, August 2010 to Present

Provide high-level advice and hands-on assistance to Bank Management and Directors to address the

complicated and critical regulatory and asset quality issues that banks face today.

Key Results:

Assumed the role of senior lender for a community bank on short notice while under a regulatory

order and facing a safety and soundness examination.

Reduced loan loss provisions by over $2 million by negotiating with regulators and offering

superior impairment analysis.

Quickly obtained the trust and confidence of bank management, directors and staff that was

critical to operate in a high-stress environment.

Managed problem assets including developing workout strategies, preparing project budgets, and

negotiating forbearance agreements, listing agreements, sales contracts, and leases.

Amended Loan Policies and Procedures and developed new loan underwriting tools based on

results of Loan Review and last exam. Drafted Succession Plan as part of Strategic Plan.

Completed Cease & Desist Reporting Requirements & communicated with regulators.

ERIC W. HUBBARD Phone: (773) 991-7802 Page 2

RAVENSWOOD BANK — Chicago, IL Premier small business and commercial real estate lender on the north side of Chicago.

President and Chief Lending Officer, August 2005 to August 2010

Managed collection effort from 2008 through closing in August 2010. Recruited and managed workout

professionals, attorneys, receivers, realtors, property managers and contractors. Completed busted lot subdivision and condo conversion projects. Developed innovative strategies to collect loans. Managed

all lending activities and assisted with other banking activities including establishing a successful

branch in Mt. Prospect and recruiting small business lenders to diversify the loan portfolio prior to the

financial storm from 2005 to 2008.

Key Results-Workouts:

Played a key role in reducing non-performing loans by $59 million over six-quarters by using

innovative programs, maintaining relationships with realtors, investors and collection

professionals and negotiating forbearance programs, deeds in-lieu, short sales, leases and other

transactions to maximize the return of principal to the bank. Developed “Prime The Pump”

Program to convert busted non-performing, condo projects to performing assets.

Reduced construction concentrations from $145 million to $55 million by completing projects,

encouraging repayments and converting condo construction loans to performing, owner-occupied,

single family loans through the innovative “Prime The Pump” Program.

Fostered a teamwork/open-door environment conducive to positive dialogue across the organization during a time of crisis. Retained key staff members during a period of extreme

uncertainty.

Completed Cease & Desist Reporting Requirements & communicated with regulators.

Interfaced with potential investors to determine risk and value of non-performing assets and the

amount of investment required to adequately capitalize the bank.

Executive Vice President, 2000 to 2005 Senior Vice President, 1996 to 1999

Recruited to help open new bank branches in Chicago and Mt. Prospect in an effort to reduce

construction and commercial real estate concentrations from 2001 to 2008. Opened new lending

center and recruited staff and loan officers from 1999 to 2001. Guiding the startup and management of

the lending operations, systems and programs for a de-novo bank from 1996 to 1999.

Key Results:

Key „rain maker‟ for the bank producing up to $40 million in annual loans with a personal portfolio

of up to $100 million, not including loans originated, but managed by others. Most business

obtained through personal networking and business referrals.

Recruited, trained and grew staff from two people to 20 managing over $250 million in loans.

Developed company‟s loan policies and procedures with few technical exceptions.

Established and maintained excellent relationship with regulators.

PIONEER BANK. — Chicago, IL

Vice President-Division Manager, 1993 to 1996 Assistant Vice President, 1989 to 1992

Managed the five-person commercial real estate division with an $80 million loan portfolio. Handled all

workouts and reported results to the President weekly. Appointed to the Total Quality Management

Commercial Loan Process Improvement Team.

Key Results:

Key „rain maker‟ for the bank producing up to $10 million in annual loans with a personal portfolio

of up to $50 million.

Assisted with implementation of Total Quality Management as TQM Train the Trainer and process

improvement team member.

ERIC W. HUBBARD Phone: (773) 991-7802 Page 3

EDUCATION & CERTIFICATIONS

GRADUATE SCHOOL OF BANKING — Madison, WI Diploma in Banking

UNIVERSITY OF LOUISVILLE — Louisville, KY Master‟s in Business Administration with an emphasis in Finance

CENTRE COLLEGE — Danville, KY Bachelors of Science in Economics

OF NOTE

Professional Development:

Complete ongoing training in all areas of lending including workouts, construction lending, loan

documentation, financial statement analysis, environmental assessments, appraisals (passed IL license test), real estate sales (passed IL license test), income property analysis (CCIM course work).

Also completed various sales classes, including Dale Carnegie Sales Course as a student and group

leader. Instructor for TQM and Commercial Mortgage Brokering. Currently studying to obtain Illinois

Real Estate Broker‟s License.

Affiliations:

Illinois Association of Mortgage Professionals (designated trainer for Commercial Mortgage Loan

Brokering class.)

Illinois Mortgage Banking Association

LinkedIn Profile: http://www.linkedin.com/in/erichubbard1