Senior Vice President / Commercial Lending @ Embassy National Bank provides SBA Lending as well as Conventional Loans. SBA funding: Hotels, Churches and C-stores in the Southeast area. Recent Loans include $1.625M Hotel, Monroe, NC/ $1.4MM Temple, Lake City, GA/ $2.4MM Hotel, Orangeburg, SC. From April 2014 to Present (1 year 9 months) Vice President/ Commercial Asset Manager @ Managed a Special Asset portfolio totaling $45,000,000. Settlement and Liquidation between the bank and the borrower, From December 2011 to December 2013 (2 years 1 month) RELATIONSHIP MANAGER & VICE PRESIDENT @ • Launched and implemented treasury management products, including remote capture, to tap into the target market of the bank. • Focused on Loss Mitigation From August 2007 to October 2008 (1 year 3 months) VICE PRESIDENT OF COMMERCIAL LENDING @ • Responsible for marketing plan to directly focus on client base while ensuring bank policy could accommodate overall banking relationships through loan production and appropriate treasury management products. Exceeded $15MM production goal to $20MM. • Underwriting of transactions including Asset Based Loans. • Ongoing monitoring of financial performance of existing clients and providing advice to clients with regard to industry specific trends and how they relate to their business. From August 2005 to August 2007 (2 years 1 month) ACCOUNT EXECUTIVE/ VICE PRESIDENT @ • Asset based portfolio management and underwriting for Piedmont Lending. • Underwriting of existing and new relationships for committee and board approval. • Implemented appropriate structure for each relationship with regard to advance rates, reporting requirements and overall composition of the relationship. From June 2002 to April 2005 (2 years 11 months) SR. ACCOUNT EXECUTIVE /FIRST VICE PRESIDENT @ • Managed Asset Based Lending portfolio size totaling $450MM comprised of Georgia and Tennessee Commercial Banking relationships. • Managed all aspects of the region's Asset Based Portfolio with emphasis on risk management/credit quality. Asset based lending underwriting for operating companies. • Marketing and presentation of 'Road Shows' for business development and education within the market. • Management of four collateral analysts in Atlanta, Georgia, and three Account Executives in Jacksonville, Florida. • Responsible for leading and defining the scope of field examinations. • Only market in the country to receive a perfect score in Customer Satisfaction for the Commercial Bank From February 1994 to December 2001 (7 years 11 months)

BBA, Finance/Marketing @ Georgia State University Lance Christian is skilled in: Commercial Real Estate, Banking, Commercial Lending, Commercial Banking, Asset Based Lending, Loans, Due Diligence, Underwriting, Credit, Risk Management, Financial Analysis, Portfolio Management, Financial Risk, Credit Analysis, Asset Management