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| Mr. Hill is founder and Chairman/President of CEIS Review, Inc. The firm provides consulting services to financial institutions. The consulting activities specialize in loan and credit administration. Particular emphasis is placed on loan portfolio review, process review, loan grading systems, loan reporting systems, loan policy and procedures, problem loan management, and commercial lending training programs. |
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| Mr. Hill has over 30 years commercial banking and financial management experience resulting from his prior association with money market and regional banks as well as his business investment and consulting activities. Management positions were held by Mr. Hill at the Bank of Virginia, Bankers Trust Company, Barnett Bank of Florida, Inc., Barnett Bank of Jacksonville, Barnett Bank of Broward County, Franklin National Bank and Irving Trust Company. |
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| He has reorganized and manages commercial and real estate lending divisions as well as loan and credit administration functions. Mr. Hill has written and administered commercial and real estate policies, chaired loan committees, and redefined and managed commercial lending training programs. His direct lending activities as a banker included all types of unsecured/secured and short/long term accommodations. The purposes involved leveraged buyouts, trade financing, debt restructuring, working capital, and project financing, plant expansion, real estate development and other similar needs. |
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| In the business community, Mr. Hill previously served as Director of Solitron Devices, Inc. (ASE, High Technology Company); Advisory Directory of National Energy Capital Corporation (OTC, Energy Project Finance); interim President of Domestic Oil Corporation (oil Production); interim Vice President-Finance of Sussex Valley Development Corporation (real Estate development); interim President of AMCAL Chemical Company, Inc. (Chemical manufacturer); director of Octagon, Inc. (NASDAQ, High technology Company); and member of American Arbitration Association's Panel of Arbitrators. |
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| Ms. Cottrell is Managing Principal of CEIS with more than 25 years experience in the banking community, gained through her association with community and regional banks as well as her consulting activities. At CEIS, she shares executive responsibility in the areas of administration, quality control, engagement scheduling and preparation, client relationships, and business development. |
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| Previously, she served as Senior Vice President of Executive National Bank in Miami where she was Senior Loan Officer. Additional positions in South Florida were previously held with Flagship Bank, Jefferson National Bank, Metro Bank, and Enterprise Bank. |
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| Ms. Cottrell has established credit departments for newly formed banks and reorganized credit functions at established organizations. She has successfully trained both lenders and staff in credit and lending functions. She has written and administered loan portfolios and managed credit, commercial loan and real estate loan activities as well as loan operations departments. Ms. Cottrell’s executive responsibilities included serving as a voting member of loan committees. |
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| She has had involvement with or served as a director of such community groups as the South Miami Hospital Associates, Girls’ Club of Miami, Greater South Dade Miami Chamber of Commerce, Kendall Business and Professional Association, University of Miami Association, and the Coral Gables Women’s Club. |
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