STEVEN T.

KELLEY, MBA
Jacksonville, FL 904-612-9520 STKinJax@gmail.com

SVP Commercial Lending Manager

Experience spans a broad range of establishing and leading commercial lending and portfolio management
teams as well as proven success in new business development, relationship growth and risk management.
Specific expertise demonstrated in commercial real estate, community development lending and investing
utilizing tax credit programs and dealer finance in addition to traditional small business and C&I lending.
Recognized leader to build teams in difficult and competitive environments,
mergers and acquisitions and demonstrated business planning and problem solving skills.
Ability to see the big picture, with strength in identifying risks and opportunities,
creating and executing process, goals and strategies to ensure long-term sustainable growth.

CUSTOMER-CENTRIC, STRATEGIC BUSINESS MANAGER and RELATIONSHIP BUILDER

Utilizes an entrepreneurial spirit and analytic mindset to serve as a catalyst in identifying opportunities,
pursuing goals, and refining organizational processes to thrive in various economic and highly competitive
landscapes. Places emphasis on balancing profitability with risk management with emphasis on productivity
and growth. Long-term thinker that cultivates trust-based relationships with clients and among team members
across functional lines. Draws upon empowering leadership style to develop and motivate cross-disciplined,
cross-geography teams for maximum performance.

PIVOTAL SKILLS
New Business Development / Market Expansion
Financial Modeling / Credit Analysis / Underwriting
Strategic Business Planning / Data Analytics
Influencing / Negotiating
Due Diligence / Mergers and Acquisition
Navigating Change through Complex Situations

.
Relationship Building and Management
Team Leadership / Coaching / Development
Cross-Selling / Product Knowledge
Risk Identification and Mitigation
Crisis Management / Problem Resolution
Establishing Process and Policy

Professional Experience Summary

IBERIABANK 2009 to 2014
Senior Vice President, Community Development Lending Manager (2012-2014)
Senior Vice President, Florida Business Credit Services Manager (2009-2012)

CAPITALSOUTHBANK 2008 to 2009

Senior Vice President Jacksonville City President

SUNTRUST BANK 2005 to 2008

Vice President, Special Assets Officer Commercial Real Estate (2007-2008)
Vice President, Senior Relationship Manager Commercial Real Estate (2005-2007)

MADRIN CORP. d/b/a FastFrame 2002 to 2005

Business Owner / President

BANK of AMERICA / NATIONS BANK SPECIALTY LENDING 1998 to 2001

Senior Vice President, National Commercial Strategies Executive (1999-2001)
Senior Vice-President, National Commercial Sales Manager (1998-1999)
BARNETT BANK 1991 to 1998
Various Roles in Commercial and Retail Banking, Credit and Treasury Management (CCM Designation)

Steven T. Kelley

Page 2

Recent Achievements and Areas of Influence

2012-2014 Senior Vice President, Community Development Lending Manager:

ENHANCED OPERATIONAL EFFECTIVENESSS: Leveraged deep industry knowledge to establish and lead
Community Development Lending and Investing efforts for a $13B regional bank, including creation of credit
and investment policies. Formulated strategic plan to formalize process for managing tax credit investment
portfolio, secondary support and funding sources for long-term debt, FHLB AHP grants, and operation of the
Banks CDE. Efforts directly contributed to Banks success in raising CRA Lending Rating from Low Satisfactory
to High Satisfactory.

MAXIMIZED PROFITABILITY AND MARKET FOOTPRINT: Positioned new Community Development Lending
group to generate funding commitments for six LIHTC developments with $39.7M in debt and $46.3M in
equity, providing 337 new / rehabilitated affordable living units across five states, as well as two FHLB AHP
grants totaling $775K. Furthermore, established formal proprietary fund and limited partnerships with three
syndicators (42 Equity Partners, R4 Capital, Enterprise Community Investment).

2009-2012 Senior Vice President, Florida Credit Services Manager:

ACTED AS PERFORMANCE LEADER AND DRIVER OF CHANGE: Created and provided leadership to a team of
60+ associates, overseeing a $1.6B portfolio (commercial loan assets and OREO acquired through four failed
bank transactions under Loss Share Agreements with the FDIC). Served as a valuable resource and partner
during the integration process, building confidence with newly acquired customers and mentoring teams to
embrace new organizational culture essential to continuous improvement and seamless adoption of best
practices.

ESTABLISHED LOAN WORKOUT CAPABILITIES TO MAXIMIZE INVESTMENT RETURNS: Led problem loan
resolution strategies to achieve maximum recovery and minimum collection expense across the portfolio.
Key driver in fostering performing existing relationships within the portfolio, restructuring and pricing to
ensure retention and profitability, identifying cross-sell opportunities, and creating an overall positive
corporate brand image. Diligent Loan Workout processes and documentation resulted in significantly lower
level of losses than originally anticipated by the Bank and positioned the region as a benchmark in operational
excellence.

2008-2009 Senior Vice President, Jacksonville City President:

SERVED AS A BUSINESS TRANSFORMATION EXPERT: Orchestrated aggressive restructuring of troubled Bank

assets in a stressed financial market. Led all business activity of a $145M Banking franchise comprised of
three retail branches, with 17 employees and 9 direct reports. Provided guidance on Workout strategies for a
$52M problem loan portfolio, while managing a $90M in performing assets. Effectively engaged in positive
dialogue to retain business confidence and a productive working environment.

1998-2008 Summary:

OPTIMIZED PERFORMANCE AND PRODUCTIVITY: Achieved consistent success in managing complex

portfolios (concentrated on residential developers and builders), including problem loans, drawing upon
expertise in assessing risk and formulating strategies to maximize recovery and reduce losses. Demonstrated
advanced cross-selling and business development skills, the ability to work with diverse stakeholder
environments and build strong and lasting client relationships.

DELIVERED BREAKTHROUGH RESULTS: Led start-up of National Strategies Unit providing commercial
lending, retail finance, capital markets and treasury management products and services to large-scale RV and
Marine dealerships nationwide, including sales and relationship management strategy. Grew the line of
business to $1.4B in assets with over $3.8M of net interest income per month and an ROE surpassing 20% on
a consistent basis.

Education

DBA, JACKSONVILLE UNIVERSITY, expected graduation date 2017

MBA, UNIVERSITY of WEST FLORIDA, 1991
BSBA - Accounting, UNIVERSITY of WEST FLORIDA, 1991
Leadership Development Program, ABA Stonier Graduate School of Banking, 2008-2009 (ABD)

Affiliations

Urban Land Institute (ULI) Member of the Multifamily Housing Council for the State of Florida
Economic Roundtable of Jacksonville