This document is a resume for Alain F. Kamdem summarizing his 24-year career in banking. It outlines his experience as a portfolio manager, special asset workout officer, and credit analyst. Kamdem has strong skills in loan structuring, underwriting, portfolio management, and loan workouts. He has exceeded goals in areas like revenue, loan commitments, and reducing non-performing assets over his career.

1. ALAIN F. KAMDEM
5311 Senour Drive afkamdem@hotmail.com
West Chester, OH 45069 (513) 237-8608 / (513) 755-9550
CAREER SUMMARY
Portfolio Manager – 6 years
Special Asset Workout Officer – 15 years
Completed Formal Credit Training – 3 years
Strong loan structuring, underwriting, portfolio management, relationship management, risk reporting, and loan
workout skills.
Results-oriented professional with a consistent track record of achievement over a 24-year banking career,across
multiple business lines. General competencies include:
 Commercial Banking  Financial Analysis
 Team Leadership
 Customer Advocacy
 Risk Reporting
 Credit Analysis
 Individual and Team Performance Mgmt
 Fluent in French
PROFESSIONAL EXPERIENCE
US Bank (Cincinnati, Ohio) 2003-2016
2010-2016: VP Portfolio Manager, Commercial Banking Division
Responsible for structuring, underwriting, credit monitoring and management of a portfolio of complex credit
relationships, including SNC and other syndicated credits, HLT and High Risk ACH transactions. The portfolio
consisted of Middle Market clients primarily in the upper end of $25-500 millions in annual revenues. Expanded
and deepened customer relationships by identifying customers’ needs comprehensively, and matching their needs
with selections and resources within the business line and across all business lines. Operated in full compliance
with Bank credit quality standards, Code of Ethics, policies and procedures, as well as applicable regulations and
laws, including the Bank Secrecy Act (BSA), AML, USA PATRIOT Act, ECOA (Reg B), FCRA, HMDA (Reg
C), EFTA (Reg E), Reg U, TILA (Reg Z), CRA (Reg BB). Received accolades, recognitions, and high marks,
including “Exceptional” performance review in 2015 (highest rating). Exceeded goals every year by successfully
closing new business relationships and retaining and expanding relationships with existing customers, with the
following results:
2013 2014 2015
TotalRevenue $8.7 million $9.6 million $14.4 million
Loan Commitments $215.0 million $237.2 million $275.8 million
Letters of Credit $3.2 million $3.5 million $4.1 million
2003-2010: VP Special Assets Senior Workout Officer
Responsible for distressed middle market and large corporate banking, asset-based lending, commercial real
estate, leasing, floor-plan, small business, and derivative exposures to clients located in the Eastern USA, often
working with legal counsel as a team. Analyzed loans, identified the underlying issues, and determined the most
effective strategy to secure the repayment and/or collection of workout loans, charge-offs, and real estate owned
(OREO). Negotiated with debtors or their representatives to secure repayment agreements and monitored
adherence to the terms of repayment agreements. Provided technical advice and assistance to lenders regarding
the early identification and evaluation of deteriorating loan situations.

2. Alain F. Kamdem Page 2
NATIONAL CITY BANK (Indianapolis, Indiana) 1996-2003
FEB.’03 – JUN ’03: VP Special Assets Senior Workout Officer, Large Corporate
Managed a portfolio of complex workout credits, including SNC and other syndicated transactions. Assisted and
trained less experienced loan workout employees.
MAY ’01 – FEB.’03: VP Special Assets Group – Team Leader, Small Business Group
Direct supervision over and training of three (3) Workout Officers handling credits with aggregate exposure of up
to $1 million each. Managed a portfolio of Small Business accounts, State (IDFA) and federal government (SBA,
FSA) guaranteed loans, Large Corporate Credits, including SNC and other syndicated loans. Chaired the monthly
Small Business Criticized Assets Committee. Developed workout strategies, monitored collection efforts, and
reported to senior management on a timely basis. Oversaw the SBA, FSA, IDFA liquidation processes, which was
cited as a model and implemented throughout the Bank. Exceeded annual goals in recoveries, income, and
significantly reduced classified and non-performing assets.
NOV.’96 – MAY ’01: AVP, Special Assets Group
Managed a $100 million portfolio of workout credits, including SNC and other syndicated transactions, middle
market and small business accounts. Exceeded annual goals in recoveries, income, reduction of classified and
non-performing assets, achieving over $1 million in annual charged-off recovery, and $1 million in annual
income; both going to the Bank’s bottom line. Member of the Commercial Criticized Assets Committee. Trained
new and less experienced Workout Officers.
HUNTINGTON BANK (Troy, Michigan) 1992-1996
1995-1996: COMMERCIAL LOAN OFFICER, Special Assets Group
Manage and resolve a portfolio of complex workout loans, including government guaranteed (SBA) loans, often
working with legal counsel as a team. Maximize recovery of workout loans, charged-off loans, and real estate
owned. Structure loan facilities to meet customer needs while minimizing risk and maximizing profit to the bank.
Monitor commercial loan portfolio quality through written and verbal reports to senior management.
1992-1995: CREDIT ANALYST, Commercial Credit Administration
Spread and analyze borrower’s financial statements, ratios, cash flows, projections and other financial data.
Analyze loan and deposit relationship, debt service ability, accounts receivable and other collateral quality.
Prepare monthly Non-Accrual and Past-Due reports for presentation to Board of Directors meeting. Responsible
for training new and less experienced credit analysts.
EDUCATION
MASTER OF BUSINESS ADMINISTRATION (MBA), 1992
Concentrations in Finance and Marketing
University of Detroit Mercy, Detroit, Michigan
BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION, Cum Laude, 1991
Concentrations in Business Management and International Business
University of Detroit Mercy, Detroit, Michigan
CERTIFICATE OF INTERNATIONAL BUSINESS, Cum Laude, 1991
University of Detroit Mercy, Detroit, Michigan
https://www.linkedin.com/in/alain-f-kamdem-032409b2