Jeffrey Waibel

*Managed a $49MM lending and a $44MM deposit portfolio for the first year as a sole Commercial employee in the Las Vegas office.

*Generated $3MM in new deposits, and $1.6MM in new loans during the first six months of 2023.

*Acted as the Portfolio Manager to clean up over one years' worth of covenant violations on the existing portfolio.

*For 2024, generated $4MM in new deposits (with $10MM in the pipeline, and $6MM in the approved pipeline for lending). WorldPay Merchant revenue was $11,500.

*Actively created extensive credit writeups for pre-underwriting purposes for new deals in progress.

*Gained knowledge in the ESOP financing sector by working on two deals during my tenure.

*Very strong CRA advocate, with tracking hours over 400% of goal YTD with my efforts as the current Board Chair of Big Brothers Big Sisters of So. Nevada, a role that I have had since 2018.

*Created a disciplined prospecting and calling routine to drive market awareness to generate new leads with CPA's and brokers.

*Consistent research efforts in the market through subscriptions to S & P Global and IBIS World to generate new prospects.

• Upon the consolidation of Commercial Banking at City National , I transitioned into a Private Banking role, catering to the high to ultra high net worth individuals, professional service firms, and Foundations.
• The primary responsibilities of this role was Investment Management for individuals & firms , Wealth Planning, Estate & Trust Services, and Custom Credit transactions for clients.
• My key business partner was the investment management firm City National Rochdale (CNR).
• Managed a secondary portfolio for the Las Vegas division, which had revenues of $700,000.
• Achieved 400% of my New Client goal as of October 2019.
• Developed the new relationships via extensive calling efforts on existing clients, CPA's,Trust Attorneys, Private Client divisions of Insurance Firms, and community involvement.
• Completed extensive presentations to clients and prospects, via CNR, for Managed Investment Accounts.
• Utilized subscriptions to Wealth X and Wealth Engine to locate prospects for the Private Banking segment, and to prepare for client meetings.
• Gained extensive knowledge in the custom Residential lending market with NMLS # 1683954 , which was active until the end of January, 2020.
• Maintained memberships in both NAIOP and the Presidents Club with the Las Vegas Chamber.
• Conducted seminars and networking events with commercial brokers to highlight lending products and to foster two way referrals.

• Managed a $2 million revenue generating portfolio of clients ranging in annual sales from $20 million to $250 million.
• I utilized the full product set of Commercial Banking to grow revenue for the portfolio, while providing both clients and prospects the high touch City National experience.
• I also extensively used the City National Rochdale to provide Balance sheet liquidity solutions for clients.
• Finished the fiscal year of 2018 , ranked # 2 for RM's nationally.
• Achieved 180% of loan goal; 1039% of deposit goal, and 562% of Revenue goal.
• Established 4 new Key Client relationships for 2018 through my systemic calling efforts.
• Fostered an excellent working relationship with other lines of business to achieve our mutual goals.
• Generated $16 million in Owner Occupied Commercial Real Estate loans in one year.
• Executed an interest rate derivative Swap on the largest transaction to hedge interest rate risk
• Worked extensively with outside counsel on real estate transactions, including construction draws.
• Extensive experience in covenant monitoring and financial data collection and analysis.
• Elected to the Board Chair position with Big Brothers & Big Sisters of Southern Nevada in 2018
• Gained extensive experience in managing the banking for a professional sports team.
• Achieved the exclusive Top of the Ladder Award for Fiscal Year 2018.
• Established an network of commercial real estate professionals in Nevada, including construction control companies.
• Upon the retirement of a Regional Executive, the Commercial Banking division in the State of Nevada was consolidated into other divisions, such as Specialty Banking, in November 2018.
• This is a similar concept that Bank of the West did in Las Vegas with their Middle Market Group.

• Managed a portfolio of clients ranging in annual sales from $20 million to $1 billion.
• For the first year of managing the portfolio, I achieved a growth rate of 10% for average deposits.
• In addition, average loans grew by 44%, corporate card revenue by 43%, total fee income by 35%.
• Achieved a Lead Left status for an existing Capital Markets client, thus increasing the Bank's exposure to this growing segment.
• Executed an interest rate derivative on a large portion of the committed exposure of $80 million.
• Financed $20 million in Owner Occupied Commercial Real Estate loans for existing clients.
• Member of the Las Vegas Leadership team, thus promoting Commercial Banking to other divisions of the Bank.
• Participated in the Quarterly Advisory Board meetings to network with local business leaders on the Bank's Advisory Board.
• Overall Scorecard revenue increased 24% over the previous year.

• Worked with a complex portfolio of 40 clients that generated $3 million in annual revenue back to the portfolio.
• The annual sales for these business clients ranged from $10 million to $100 million.
• Consistently provided internal referrals to both Merrill Lynch Wealth Management and BofA Private Bank.
• Consistent review of client financial statements for deteriorating trends, and completed modifications as needed
• Strong emphasis on credit quality.
• Specialized in Commercial Real Estate loans for medical professionals, including surgery centers.
• Worked with all commercial banking products to include real estate financing, revolving lines of credit, investor real estate loans, equipment financing, interest rate Swaps, foreign currency hedging, all treasury management products, Merchant payment solutions.
• Achieved consistent high results on the Scorecard, exceeding goals up to 150% in most categories.
• Utilized databases and prospecting tools such as Vertical IQ, Hoovers, First Research, and WealthEngine in my prospecting efforts.
• Consistently exceeded goals in obtaining new relationships to the Bank.
• Achieved prestigious Top Gun status throughout the past several years.
• Member of the exclusive Top Talent network to interact with leaders in the various business lines.
• Named Interim Market Manager in 2001 and 2006 , while awaiting new strategic direction from senior management after local executive displacements.

• Worked with a large, diverse , and complex portfolio of companies and business owners.
• Maintained a portfolio of over 100 clients
• For a limited time, originated personal solutions such as mortgage refinances to business owners.
• Consistently ranked in the top ten percent of business bankers in the region.
• Received multiple quarterly prestigious award Top Gun for loan volume, deposit growth, and scorecard growth.
• Served for two years on exclusive Executive Council for Business Banking.
• Implemented new strategies designed to enhance the performance for peers on a national basis.
• Achieved an annual Exceeds rating based on a scorecard value over 125% of goal for multiple years.
• Promoted to SVP in 2004 for excellence on the job and leadership skills.

• Managed a large portfolio of both business and personal clients in the mass affluent segment
• Assisted with lending, deposit, and investment products to fulfill the financial needs of a diverse client base.
• Obtained Series 6 and 63 licenses.
• Consistent sales growth performance, recognized both quarterly and annually in the prestigious BankAmerica Gold Club.
• Ranked in the top 10 percent nationally for scorecard growth.