RONALD A. YANCIS

4815 Cavallo Way

Woodbridge, VA 22192

Objective: Management position utilizing my numerous years of experience leading commercial bank loss mitigation efforts.

Federal Agricultural Mortgage Corporation Washington, DC

Internal Credit Reviewer 2005 to Present

• Designed and implemented the annual credit review plan to ensure the review work fulfills the responsibilities of the Department.

• Prepared the annual internal risk assessment to tailor the review plan to the risk profile of the Corporation.

• Conducted field reviews for loan quality, risk assessment, documentation, data integrity, compliance with credit policy and procedures, and compliance with related laws and regulations.

• Identified problem loans, underwriting weaknesses and loan servicing deficiencies. Identified the cause of problem loans and recommended corrective action.

• Assist in the preparation of written reports of the assigned internal credit review work.

• Evaluated and followed-up on management responses and action plans.

Washington Mutual Bank Houston, TX

Quality Control Auditor-Mortgage Banker Finance 2003 - 2005

• Responsible for annual on-site risk mitigation audits of MBF’s nationwide commercial customer base (average outstandings $2.5 billion), with a strong emphasis on the identification of potential fraud and operational risk factors as well as compliance-related risks.

• Key advisor and participant in the start-up of the on-site exam program.

• Performed 120 on-site exams over a two year period.

• Utilized technology to investigate potential customer- and mortgage loan-level issues, including ProMerit, Business Objects collateral exception reports, AppIntell’s DISSCO electronic fraud scoring system, Sysdome’s SafeCheck electronic social security number validation system, and Lexis-Nexis.

• Generated management reports reflecting on-site audit results and recommendations.

Washington Mutual Bank Houston, TX

Regional Loan Review Manager 2001-2003

• Directed examinations of commercial loan portfolios including mortgage banker finance, commercial real estate, residential real estate, multi-family, oil & gas, and national syndicated credits.

• Completed reviews of credits as large as $140 million with no variances in loan risk ratings vs. regulatory agency classifications.

• Improved loan quality control and implemented new review policies.

Central Progressive Bank Hammond, LA

Compliance Officer 2000-2001

• Designed and implemented regulatory compliance and quality control processes that resulted in the bank’s compliance rating improving to “2” from “3” over a one year period.

• Restructured loan operations and collateral control functions by introducing technology, streamlined processes, enhanced accountability, internal auditing, and legal document controls.

• Made numerous presentations to bank regulators, Board of Directors, executive management, and bank officers.

Simmons First National Corporation Pine Bluff, AR

Senior Loan Review Officer 1998-2000

• Established loan review policies/procedures and implemented quality rating system for an 8 bank system.

• Improved FDIC ratings for all banks by instituting strict quality review controls and expediting processes.

• Designed and delivered training to bank presidents and their entire lending teams on risk rating, loan portfolio quality and performance rating system.

Bank One, LA Baton Rouge, LA

Senior Loan Review Officer 1995-1998

• Evaluated $1.3 billion commercial loan portfolio for $6 billion organization; loans ranged from $250K to $50 million.

• Instrumental role in conducting due diligence for acquisition candidates. Managed 9 team members.

• Examiner in Charge of Managed Assets Review; determined potential losses and recommended recovery strategies.

Pickering & Associates New Orleans, LA

Consultant 1994-1995

• Developed training programs for bank officers.

• Expert witness regarding compliance issues/regulatory requirements.

• Worked with 5 banks; improved rating from unsatisfactory to satisfactory within one year.

• Conducted due diligence for acquisitions.

Previous Experience:

Corporate Credit Administrator, Parish National Bank, Covington, LA 1989-94

Senior Credit Officer, First National Bank, Covington, LA 1984-89

Loan Review Manager, The Mississippi Bank, Jackson, MS 1980-84

Bank Examiner, Comptroller of the Currency, New Orleans, LA 1976-80

Instructor, Northwest Mississippi Community College, Senatobia, MS 1969-76

Education:

Louisiana State University Baton Rouge, LA

MBA, specialty in Management and Finance 1971

University of Mississippi Oxford, MS

BBA, specialty in Marketing and Sales 1967

References: Available upon request