Expertise in commercial and consumer credit and lending, credit administration (approval authority), financial technologies, relationship management and high net worth markets. Integrates an in-depth understanding of specialized credit practices that deliver the highest level of value to retail/private banking/wealth management clients, along with strategic and innovative thinking and excellent communication skills. Proven ability, through innovation, to capitalize on market opportunities to drive client acquisition, grow revenue, capture market share and optimize shareholder value. Credentials include, among others, the underwriting of more than $1billion in approved loans to high net worth individuals and/or their corporations / partnerships, the design and delivery of a unique financial technology solution and service that efficiently manages and monitors collateral risks in challenging and shifting markets, the development and implementation of new credit products for both retail and high net worth client segments (high asset quality), and the successful start-up and management of several businesses and/or operating units. Specialties: • Lending Against Marketable Securities • Collateral Monitoring: Systems Development (financial technologies / fintech) • Credit Policy & Product Development • Legal Documentation & Compliance • Credit & Lending Administration • Lending Operations Management • Strategy / Lines of Business Development • Product Development • Client Relations (internal and external) • Leadership & Management • Communication - Written & Verbal

Production Risk Management - Correspondent Mortgage @ Key member of start-up executive management team charged with developing a correspondent mortgage business. From September 2014 to Present (1 year 2 months) San Francisco Bay AreaAdvisor @ Advisor to start-up company. A peer-to-peer, social lending platform that connects people, via the Internet, in need of a loan with those within their circle of family, friends and/or associates who wish to loan them money. The system provides an end-to-end solution for managing the process of making and servicing loans between related parties. From May 2014 to Present (1 year 6 months) San Francisco Bay AreaConsumer Credit Risk & Administration Officer / Senior Vice President @ Performed as the Chief Credit Officer for the firm’s $22.9 billion consumer lending business. Responsibilities included: large loan approvals (mortgage, consumer direct and indirect), credit policy and underwriting guideline development, management of mortgage banking quality control unit, development and management of west coast mortgage underwriting unit, administration of delegated lending authority to consumer loan officers, and approval and administration of consumer loan charge offs. Directed a staff of 123 direct and indirect reports; managed annual operating budget of $3.75 - $4.0 million ~ Developed, implemented and managed the west coast mortgage underwriting unit; acted as the credit/underwriting SME on the Dodd Frank mortgage banking initiative; solved for a mortgage LOS credit/risk issue and led the repair of the system; directed the effort for the replacement of the bank’s mortgage quality control vendor ~ Partnered with Corporate Risk on the implementation of a BNP Paribas global credit risk initiative. From January 2013 to August 2014 (1 year 8 months) San Ramon, CADivision Credit Manager - Wealth Management Group / Senior Vice President @ Performed as the Chief Credit Officer for the firm’s Private Banking activities in support of the Wealth Management Group (WMG) Division Executive. Directed the development of a standalone WMG credit administration unit. Directed a credit/lending staff of 7; matrix-managed 50+ Private Client Advisors responsible for business development; managed annual operating budget of $1.7 - $2.0 million. Implemented management reporting processes to appropriately monitor loan delinquencies and maturities, compliance with loan terms and covenants, loan production trends, and the overall WMG loan portfolio composition against established target thresholds. Approved loans within delegated signing authority level. Managed credit risk of the WMG loan portfolio that grew at a compounded annual rate of 17% from 2008 to 2012; facilitated growth in annual loan production from $125 million to $800 million during a period of extreme economic and credit quality challenges (post-2008) ~ Led project teams through development of three core credit products to WMG - ILOC, HELOC & Mortgage ~ Led project team through the design, development and implementation of the ILOC product, resulting in a scalable deployment and superior risk management; drove product from inception to greater than $200 million in credit exposure; aggregated revenue contribution in excess of $25 million ~ Authored credit policy and redesigned product features for a legacy Private Banking unsecured line of credit product after the credit crisis; directed an organized "run down" effort of the loan portfolio from 2010 thru 2012, to reduce risk to the bank, resulting in a 66% reduction in portfolio balances (75% reduction in accounts); prevented an estimated $5 million in capital losses to the bank; presented plan and ongoing updates to the bank's Chief Risk Officer and Risk Policy Committee. From May 2009 to December 2012 (3 years 8 months) San Ramon, CAChief Credit Officer - Wealth Management / Senior Vice President @ Key member of the start-up executive management team of Contango Capital Advisors, a subsidiary of Zions Bancorporation (Zions). Designed and built the Contango Credit and Lending unit in collaboration with the Chief Credit Officers of Zions and those of its eight banking subsidiaries. Reported to CEO of Contango Capital Advisors. Contango Credit & Lending unit development included: interviewing and compiling market research from CEO’s and Chief Credit Officers of Zions and its subsidiary banks; partnering, at each Zions subsidiary, with representatives of legal, compliance, credit administration, loan operations and marketing; authoring and steering credit policies through committee approval process; coordinating the design and development of all legal documentation and marketing materials; conducting product-specific and general credit training for bankers and wealth managers ~ Directed a staff of 17 direct / indirect reports; managed an annual operating budget of $500,000 ~ Designed, developed and implemented the Investment Line of Credit (ILOC) product; managed credit originations from product inception to greater than $60 million in 18 months’ time; contributed $1 million in annualized revenue to Zions ~ Established and implemented the company’s first centralized / automated collateral risk monitoring system for loans secured by marketable securities ~ Authored special corporate-wide credit policy for loans secured by auction rate securities; saved corporation from capital losses in excess of $25 million ~ Prepared / presented detailed operational reports to the executive management team of Zions; called upon to present to hundreds of loan officers at their annual all officers’ meetings ~ Selected as a key member of the new product review team; performed risk management analysis on proposed new product offerings to ensure federal and corporate compliance; conducted due diligence on wealth management firms identified as acquisition targets for Contango. From July 2004 to November 2008 (4 years 5 months) Berkeley, CASenior Relationship Manager @ Managed relationships with high profile investment management firms (Tier I SMA/Wrap) that utilized CheckFree APL, an ASP portfolio accounting system. Introduced new relationship methodology to foster partner management with client firms such as Goldman Sachs Asset Management, Lazard Asset Management, Smith Barney, Neuberger Berman, ING and Bank of New York; identified market trends / developments, developed proposals, and made recommendations to clients; grew revenue base of client portfolio by more than 22% over 18 months ~ Selected as a key member to participate on the Customer Relationship Management (CRM) system development committee; co-directed development of a new enterprise-wide CRM system. From November 2002 to June 2004 (1 year 8 months) Jersey City, NJe-Credit Development Expert - VC Incubator / Vice President @ Co-conceptualized a pioneering financial technology solution for an ASP-based credit origination and loan servicing platform for loans secured by marketable securities. Prepared and submitted proposals to Chase Venture Partners and received sponsorship, funding and admittance to its internal VC incubator group. Served as the executive team’s Chief Financial Officer and Credit Subject Matter Expert. Drove a key initiative to build a world-class financial technology solution to drive and expand fee-based revenue to the firm while enhancing operating and cost efficiencies within JP Morgan Private Bank ~ Developed and prepared a complex business plan for industry standardization for the underwriting of loans secured by marketable securities that included “a la carte”, turnkey, or private label service solutions, and the creation of a secondary trading market for investment secured loans ~ Managed a $4 million operating budget, including a $2 million project budget ~ Directed a team of PwC and Sapient consultants and played a critical leadership role in the development of the CapitalFlex solution strategy, including driving innovation and the creation of the CapitalFlex application service ~ Provided credit, underwriting, structuring and approval expertise; start-up cost analysis; financial modeling, forecasting and budgeting; strategic profitability analysis; capitalization structure and planning; merger, acquisition and partner identification; and deal/contract negotiation; prepared offering memorandum ~ Led analyst team that created a complex business/financial model that identified $6-20 million in potential annualized operating savings for the firm; received clean review of financial model by PwC ~ Presented to and received letters of intent from more than six money center financial institutions ~ Liaised with internal support teams – i.e., legal, compliance, risk – to ensure conformity with industry standards. From March 2000 to April 2002 (2 years 2 months) New York, NYSenior Lending Officer - Private Banking: Ultra High Net Worth Team / Vice President @ Directed development and delivery of credit solutions to ultra-high net worth individuals, ranging from $50 million to $500 million+, ensuring all credit requests were analyzed, underwritten, executed, monitored and reported in accordance with customer needs and corporate policies. Structured and executed $50 million+ credit facilities, including secured and unsecured personal lines of credit and term loans, residential and commercial real estate mortgages, letters of credit and credit derivatives; co-managed loan portfolio in excess of $1 billion; originated and booked $269 million in new credit facilities in 1999; generated a weighted ROE in excess of 38% ~ Underwrote $525 million approved credit facility for the acquisition of an NFL franchise in a major East Coast market; underwrote $105 million refinancing of a class-A commercial real estate property in New York City. Led financial due diligence team hired by the NFL to review the prospective ownership group for an expansion team franchise; prepared findings presentation for NFL executive management. From January 1999 to March 2000 (1 year 3 months) New York, NYCo-Founder / Chief Financial Officer @ Formulated strategic business and financial models for the successful start-up of inventive micro brewing concept. (Sold interest to partner in 1998.) Prepared and presented detailed business plan and offering memorandum to prospective individual and venture capital investors; led negotiations with investors and merger/acquisition target; completed strategic partnership of two operating craft brewing entities with combined annual sales of $3 million. From 1996 to 1998 (2 years) Berkeley, CACredit Officer - National Private Banking Group / Vice President @ Held various positions including Account Representative, Assistant Secretary, AVP-Credit Officer and promoted to Vice President-Credit Officer in 1994. Managed loan restructuring program that stabilized and collected $7 million+ in problem loans. Developed and implemented electronic tool for financial data collection. Co-developed and implemented proprietary CRM database. From 1989 to 1996 (7 years) Los Angeles, CA / New York, NY

Bachelor's Degree, Political Science -- International Relations and U.S. Foreign Policy @ University of California, Berkeley Tim Hoskins is skilled in: Credit, Risk Management, Credit Risk, Portfolio Management, Banking, Loans, Private Banking, Wealth Management, Financial Services, Mortgage Lending, Entrepreneurship, Start-ups, Credit Analysis, Consumer Lending, Underwriting, Asset Based Lending, Lines Of Credit, Loan Origination, Cash Flow Lending, Credit Evaluation, Commercial Banking, Investments, Relationship Management, Financial Analysis, Financial Risk, Finance, Due Diligence, Management, Leadership, Secured Transactions, Home Equity Lines of..., Secured Financing, Commercial Lending, Financial Structuring, Executive Management, Strategy, Securities, Asset Management, Structured Finance, Credit Policy, Credit Portfolio..., Secured Lending, Investment Secured..., Product Development, FinTech, Financial Technology