MICHAEL C.

WARD
13630 VIA VARRA RD., #208, BROOMFIELD, CO 80020
OFFICE: 480.298.0090 CELL: 480.298.0090 E-MAIL mw59a9ae@westpost.net
OBJECTIVE
To assist a commercial bank or credit union in the development and/or maintenanc
e and growth of their small business loan and deposit portfolios, and in managin
g, developing and maintaining a wealth management division. My background is id
eal for developing and managing small business clients, and for providing the co
nfidence level necessary to attract affluent individuals to the firms wealth man
agement practice.
CAREER EXPERIENCE
BANKER 911/Independent Bank Developers Consulting, Phoenix, Arizona
MANAGING PARTNERKKKKKKKKKKKKKKK..1/2009- Present
Developed and manages a bank consultancy firm focusing on providing full service
consulting to de novo banking groups. Banker 911 also offers senior consulting
services to existing banks and merchants in the area of servicing, product deve
lopment, regulatory problem remediation, internal audit and compliance requireme
nts and enterprise risk management.
UNITED BUSINESS HOLDINGS, Inc., Phoenix, AZ
PRESIDENT/CEO (proposed)
11/2007- 1/2009
Served as the proposed President and CEO of a de novo commercial bank to be head
quartered in Phoenix, Arizona. Due to the Application delay by bank regulators
resulting from the banking downturn, and the cost of maintaining the ongoing ope
ration for an extended period of time, the founding group elected to suspend ope
rations and indefinitely delay the formation of the bank.
PARKWAY BANK ARIZONA, Phoenix, AZ
Assets $ 85 million
PRESIDENT
11/2006 V 11/2007
As President I report directly to the President of the parent company, Parkway
Bancorp, Inc., located in Chicago, Illinois. Responsible for branch development
, loan and deposit generation, and all staffing and administrative areas for the
Arizona bank.
2002 V 2006 Following the sale of Charter Pacific Bank in 2002 and through 200
6, I worked as a consultant, primarily with Legacy Card Company, Countrywide Ba
nk, and Premier Aviation (a five airplane air ambulance and chartering service o
f which I was a principle) within the areas of finance, processing solutions, co
rporate governance, risk management and operational consulting.
CHARTER PACIFIC BANK, Agoura Hills, CA Assets $130 million
PRESIDENT, CEO, CHAIRMAN OF THE BOARD 1994 V 2002
EXECUTIVE VICE PRESIDENT/CFO 1992 V 1994
X Took commercial banking operation (net of Bankcard operation) from approximate
ly a $5 million annual loss to a profit of approximately $1.0 million per annum
and achieved the Board of Directors exit strategy of selling the Bank.
X Maintained relationships with all business borrowing and high-deposit clients
X More than doubled the size of the Bank
X Resolved all regulatory issues existing in 1992 and achieved removal of C&D or
ders placed both by DFI and FCIC
X Reduced overhead expenses by approximately $2.6 million per year; reduced over
head expense eight consecutive years. Overall productivity ratio declined from a
pproximately 88% to 60%.
X Directed a card processing and servicing subsidiary that processed approximate
ly $360 Million per year in merchant draft clearings and generated net revenues
of approximately $2.8 Million per annum.
X Added over 28,000 merchants to the acquiring portfolio.
X Reduced commercial banking operation staff from 75 to 45 employees, while doub
ling the size of the Bank, through productivity reorganization and outsourcing v
arious activities to outside vendors.
X Successfully arranged for 2001 sale of Bank for cash at approximately 2.1 x bo
ok value, net of excess capital.
THE BANK OF BEVERLY HILLS, Beverly Hills, CA Assets $150 milli
on
SENIOR EXECUTIVE VICE PRESIDENT & CHIEF FINANCIAL OFFICER 1987 V 1992
X Responsible for all aspects of finance, technology, and operations.
X Reduced staff levels by 35%. Associated annual expense reduction of 32%.
GUARANTY BANK OF CALIFORNIA, Los Angeles, CA Assets $27 million
EXECUTIVE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER 1984 V 1987
X Responsibilities and achievements similar to those stated for The Bank of Beve
rly Hills.
FIRST TRUST BANK, Ontario, CA Assets $350 million
SENIOR VICE PRESIDENT AND CASHIER 1974 V 1984
X Progressively responsible for all financial administration, bank operations, m
erchant processing, and branch administration for 22 branch system.

RIVERSIDE NATIONAL BANK, Riverside, CA Assets $60 million

MANAGEMENT TRAINEE ADVANCING TO ASSISTANT CASHIER 1971 V 1974

EDUCATION
Business Administration
California Baptist College
Riverside, CA
The School for Bank Administration
University of Wisconsin
Madison, WI
1979 and 1990 Honor Graduate
Finance
References available upon request