12. Board Appointments - Revolving Loan CommitteeAA& /X\OUNTAIN
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-WEST BANKof Kalispell, Nn,
February 23, 2006
Honorable Mayor Pamela B. Kennedy
City of Kalispell
P. 0. Box 1997
Kalispell, MT 59903-1997
Dear Mayor;
My term on the City of Kalispell Revolving Loan Foal Committee RLexpires the end
of May 2006. 1 have enjoyed serving the City of Kalispell on this committee but would
like to provide the opportunity for another individual to participate.
I would like to r oon nnnd that Wade Elder be considered as a member on the RLF
Committee for the next three-year tern.. Wade is the new Branch President for our
Kalispell bank and I will be moving on to a new position as western Regional President
for Mountain West Bak.
Thank you for allowing me the opportunity to serve.
Sincerely,
Richard E. Hart
President
REH:1
444 VVST IDAHO & KALISPELL, MONTANA 59904 & 406/752-2265 a FAX - • www.mtnwestbank.net
March 8, 2006
Honorable Mayor Pamela B. Kennedy
City of Kalispell
P.O. Box 199
Kalispell, MT 59903-1997
Dear Mayor -
Rick Hart has informed me that it e has resigned from the Kalispell Revolving Loan Fund
Committee (RLF) effective last month.
I would like to be considered for the replacement member of the RLF Committee. With.
24 gears of lending experience and 2 years in the insurance business there could some
benefits for the RLF Committee.
I have enclosed my resume for your consideration,
If there are any questioDs or comments that you have, please contact me. The phone
number that I can be reached at during; the clay is 752-2265. My home number for calls
dun'ng the evening is 756-1996.
Thank you, for your time and consideration of this position.
Sincerely,
Wade F. Elder
127 Stiftater Lane Phone )56-1
Kalispell, RAT 59901 E-mail older@ bresnan.net
Wade E. Elder
'I'm* experileacm February 2006 — Present Mountain West Bank Kalispell, MT
Branch fteskkmt
■ Mountain West Bank is a 3 M community bank nth one other branch.
April 2004 — Feb. 2006 First National Bank of Montana Kalispell, MT
CanmmarcW Lam der
• First National Bank is a $258MM independent com undy bank with 10
branches located in 7 communites in Montana. The Kalispell branch has
$29MM in total assets and $29MM in loans.
• Have been instrumental in reversing the run off of ioans and deposits in
the Kalispell branch. Earnings have increased by 00%+,
• Grew a personal loan portfolio from to $1lt which is made up
primarily of commercial and construction credo.
• Sere on the Loan Commktee as a votng member.
• Active in training and being a resource for the staff.
January 2004 — April 2004 capital chit union Bismarck, ND
Vice President of Member Services
• Capftal Credft Union was a $136MM full service credit union with
branches in Bismarck and Mandan, North Dakota.
■ Oversaw Mortgage Lending, Consumer Lending, Operations Manager
Regional Sales Manager of the 5 branches.
Served as a member on the Senior Management Team.
Wrote Policies and Procedures for Commercial Lending.
Jan. 200— December 2003 Westem states Insurance KaHrSp ii, MT
commit� mos Producer
• Licensed insurance agent in Life, Accident & Health, Property & Casualty
in an office that had annual commissions of $3MM, vAth 15 agents.
• Worked nth commercial lines insurance (Workers Comp, General
Liability, Commercial ial Auto and Property) and cross -sold other insurance
products.
■ Greg portfolio from to $6M In gross annual commissions.
March 2001 — January 2002 Cana & Associates Kalispell, MT
Collector
■DeJana & Associates is a iibganc Law ]Firm that is a franchise of the
Collect Arenca System. Where were 25 employees that were involved in
the collection of credit card debt and receivables.
■Responsible for colleefion of a 2MM portfolio. That involved skip locating,
collecting, asset investigation, negotiating sefflements and recommending
litigation be tiled throughout the 26 offices in the Collet America ica System,
which are located throughout the United states.
Nov. 1997 —January 2001 Rocky Mountain Bank Bigfork WIT
1gfork Branch Preskkmt
• Rey Mountain in Bank was a $267MM independent Commercial Bank
with 7 branches located in Montana. The Bigf6rk bank opened for
business on 12/01/7 and grew to $23MM in total assets with a loan
portfolio of $121MM.
• Supervised building of the bank facility# Helped to create bank policies;
Hiring of staff.
• Performed Commercial, SBA, Real Estate, Credit Card and Consumer
loans with the larger credits being 7 digit lines. Performed Loan Analysis
and write-ups that were presented to the Loan Committee and Board for
approval.
■ Prepared monthly reports fbr Board Meetings.
a Prepared for and ran Advisory Board Meetings.
a Prepared and was accountable for budgets at the Bigfork Bank.
■ Directly supervised 4 officers and responsible for all 10 employees.
■ Responsible for all lending and operations actives of the Bigfork bank, in
the areas of risk management, rent, delinquency: accuracy and profit margins.
Although ft was a branch it operated very much like an independent bank.
• Was very active in building a customer- base from nothing. This was done
through a customer call program and serving our customer base.
Brought the bank into a profitable status after 2 years.
Feb. 1996 — Nov. 1997 Norwest Bank MN Wet Thief der Falls, MN
Vice Presldenll� Business maker
• The branch in Thief River had total assets of $6MM & loans of $4MM.
• Supervised 1 Ag. officer and 2 banking assistants in the commercial area
and I originator and a part tirne processor In the real estate area. WM a
total portfolio of $30.3MM.
• Was responsible for loan quality, controlling delinquencies and technical
exceptions in the commercial and ag. areas. The bank had previously
failed 2 loan audits and brought it back into a satisfactory rating.
• Bank had an ROA of 1.7 8% and an ROE of 32.5%.
June 1991 — Feb. 1996 Fib National Bank of Whft r h Whftefth, M"
Wee President
• First National was a $32MM independent commercial bank. The loan
portfolio was $ 1 .1 M M _
• Performed Commercial, SBA, Ag, Consumer and Real Estate Loans by
preparing Loan Analysis and Write-ups for Loan Committee and Board
Meetings.
• Bank had an ROA of 1.9% and an ROE of 1 .9%. Was rued + by
Sheshunoff.
Aug. 1990 — June 1991 Zapp Bank, N.A. St. cloud, MN
nch Mom, srrtil, MN
• Zapp Bank was a $175MM commercial bank with 3 branches, The Sartell
branch was a $12MM branch with a $4. NIM loan portfolio.
■ Supervised five employees.
■ Initated commercial and real estate lending In the branch.
• Started a business development posture by developing a call program.
April 1987 — Aug 1990 Midwest Federal savings Bank Bismarck, NID
Asset Wice Pr siktt
• Midwest Federal was a $1. MMM full service savings bank nth t renty-
four branches. The Bismarck branch had $25MM In total assets.
• supervised two loan officers and two loan processors.
• Increased consumer loan portfolio from $1.3MM to $17MM.
■ Assumed responsibilfty for the real estate department. Attained Direct
Endorsement status with FHA
• Serves as a member of the Regional Loan Committee.
• The bark was taken over by the RTC. The Bismarck branch was
profitable at all times.
December 1980 — April 1987 Norwest Banc Mandan Mandan, N
Assam v'me Pr"Idwft
• orwest Bank Mandan was a 101 M full service commercial bank and
a part of the l'orwest chain of banks.
• Began as a consumer loan officer. Performed direct and in -direct leading
of consumer lows, handled $4MM In for plan lines, small commercial
ercial
loans and supervised the MasterCard/Visa merchant credit card program.
Jan. 1979 —member 1980 AveoFinance York, NE & Bismarck, ND
Oranch
• started as a Manager Trainee In the Bismarck office. Dubes included
consumer lending, buying of dealer paper and collections.
• Was promoted to a Branch Manager In May 19 and transferred to
York, NE.
• Supervised one processor.
ucafm 1976-1978 Bismarck state college Bismarck, ND
■ Associates of Arts Degree — Business Administration.
1972-1976 Beulah Pubk High school Beulah, ND
■ High school Diploma
Bank Eden "Commercial Lending' University of l orwest.
Numerous lorwest Bank workshops and classes.
"Commercial Loans of Business"' omega — 19941985.
Montana Bankers Association classes.
Robert Morris and Associates meeting and workshops.
Numerous Insurance classes (Property & casualty & life & health).
comnumity United Ida - Citizens Review Panel - Kalispell, MT.
a tivWWS i f rk Art and Culture Center - Beard Member - Bigfork, MT.
Active in Chamber of Commerce.
Norwest Medical Center - Associate Member- Thief River Falls, MN.
Jobs Now - Board Member s Thief River Falls, MN.
Whitefish Youth Sir Association - Board President - Whitefish, MT.
Whitefish Booster Club - Board Member - Whitefish, MT.
Volunteer coach for youth soccer- Whitefish, M.
Soccer Referee for High School, Junior College & Youth -Whitefish, MT.
Mandan Hockey Club - Board President - Mandan, ND.
St. Joseph Catholic School - Board President -• Mandan, ND.
Refererums Available upon request.
0 WHITEFISH
4 Railway Street
Whitefish, MT 59937
Tel: 8 862-26 2
Fax: (40 862-48 1
Voice Response:
1-888-662-2652 Toll Free
www,parksidefcu.com
11 COLUMBIA FALLS
1015 Ninth Street West
Columbia Falls} MT 59912
Tel: 40 82-88
Fax: 48 892-3999
El KALISPELL
55 Heritage Way
Kalispell, MT 59901
'el, 406 ■ -8 0
Fax: 4 8--8 6
Apn'1 I I1,2 06
"Me Ho o . l ' . am Kennedy, 'Mayor of Kalispell, M
Po Box 1997
Kalispell, TNIT 59901
Dear Mayor Kennedy{,
I would like to express my interest l se-rving on the Revolving Loan
Committee.
Currently I am the Executive 'Vice President of Park Side Federal Credit
Union.. By helping small 1) sl es es get funding they need to grow and
expand business will only help the City of his ell.
Thank you for your co sidera.tlo ..
contact rrie at 1- 2W
f
Sincerely,
f°
f
Daniel N'. Leclerc
1"..xec tive Vice'President
.If you have any questions, please
NCB
GLACIER
BANK
March 1, 2006
Honorable Mayor Pamela B. Kennedy
City of Kalispell
1�1.. Box
Kalispell, Mt.59903-1997
Dear Mayor:
I would like to be considered for reappointment as a member on the City of Kalispell
Revolving Loan Fund Committee. I understand that this is a three year terms and I am
prepared to fulfill that commitment. I look forward to serving the City of Kalispell in this
position.
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AN ORTUNTY
MEMBER FDIC
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SLITER
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CertifiedPubfic Accountants
Su rise t Pia * P 0. B o x 8600 * Ka ss e If, -Mo n ta na 59904-1600 * 4 0 52 -104 0 FAX 4 06-752-2.
March 6, 2006
Honorable Mayor Pamela B. Kennedy
City of Kalispell
P.O. Box 1997
'Kalispell, MT 5990 - 997
Dear Mayor:
I would like to be considered for appointment as a member to the City of Kalispell
Revolving Loan Fund Committee. I understand that this is a three year term and I a
prepared to fulfill ha ommi . I look ` r rd to serving the City of Kalispell in
this position.
Sincerely,
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t.
Justin I . SlIt r, CPA
Lary P Johnson . Donald E. KLsIer
David C. Heyshe-imer * flavidy. Schutz • Yustin P Sliter