Kenneth Alleman has over 25 years of experience in commercial banking and finance. He has held various roles such as Senior Credit Analyst, Credit Administration Manager, Senior Field Auditor, and Field Audit Manager. In these roles, he performed tasks like financial statement analysis, cash flow analysis, loan documentation, and auditing borrowers' financial records to evaluate collateral. He also assisted in revising bank policies and improving procedures. Currently, he is seeking new opportunities where he can continue leveraging his extensive experience.

1. CONTINUED
Kenneth S. Alleman @Kenneth Alleman
60647 Lamplighter Drive ◦ New Hudson, MI 48165 ◦ (248) 807– 2459 ◦ kenneths@comcast.net
CREDENTIAL SUMMARY
Seasoned fieldauditandcommercial creditmanagement professional withover25years practical experiencein
variousareasof accountingandfinance analysis withinthe commercial bankingindustrywithstrongskillsin
auditing, tax analysis,cashflow analysis, documentation,financialstatementanalysis,sampling andfraud
prevention.
PROFESSIONAL EXPERIENCE
Lotus Bank, www.lotusbank.com, Farmington Hills, MI
2014 – 2015
A multi location community bank serving northern and western metropolitan Detroit, Michigan with two branches, total
assets of over $100MM, total loans of $80MM and 17 employees.
SENIOR CREDIT ANALYST
Lead the Credit Department work effort through assisting Chief Executive Officer, Chief Lending Officer and three
lenders getting their loans approved through the loan approval process. Assisting in the management two
employees (Documentation Manager and Documentation Specialist). We had near record profits 2014. Reported
to the Senior Vice President & Chief Lending Officer
 Assistedinthe revisionof internal collateral,call andothercodesinthe loanportfolio
concentration.
 AssistLoanOfficerswiththeirloanpresentationsandapprovalsbeforevariousloan
committees.
 Analyze financialstatementsincludingspreadingbusinessesfinancial tax returnsand
statementsandpersonal financial statementsandtax returns. Additionexperience in
spreadingandanalyzingprojectionsandbudgets.
 Constructand analyze cashflow schedulesbothfromacompanyor individualdebt
service toa global cash flow schedule.
 Improvedthe accountsreceivableandinventoryspreadprocedure bybetteranalysis
and communicationof resultstolenders
 Improvedthe escrow systemcorrectingpayments,interestratesandotherinformation
and providinganewreview procedure.
 Take minutesforBoard and ManagementLoanCommittees.
 Orderedandreviewedappraisals,brokerprice opinionsandevaluationsprimarilyon
real estate collateral.
 Assistedlenderswiththeirloanrelationshipsincludingparticipatingoncustomercalls
and tours.
 Storedloaninformationincludingfinancial andpersonal statementsandtax returns,
creditreports,andotherinformationon the publicdrive andphysicallyincommercial
loanfiles.

2. Kenneth S. Alleman ◦ (248) 807-2459 ◦ kenneths@comcast.net
2
Summit Community Bank, www.mysummitbank.com, East Lansing, MI
2012 – 2014
A multi location community bank serving Mid-Michigan with two branches, total assets of $167MM, total loans of $151MM
and 70 employees.
CREDIT ADMINISTRATION MANAGER
Lead the Credit Department work effort through the managing of four employees (two Credit Analysts, Troubled
Loan Assistantand Loan Administration Specialist). We had record profits in 2012 and 2013. Reported to the Senior
Vice President & Chief Lending Officer
 Playedaleadingrole inthe passingof the 2013 FDICand internal auditsforloanqualityanddocumentation.
Thissatisfactoryratingwasthe firsttime itwasachievedbymyemployerinthese categories.
 Revisedthe loanapproval andestablishedareview andtrainingprocessforwrite-ups.
 Assistedinthe establishmentof permanentcommercialloanstaff meetings.
 Establishedproceduresandreports(Statusof PastDue Notes – 15 Days and Greater,Note ComingDue,
Renewal,andExceptionsaswell asotherreports) tomonitoremployees’workflow andhelpthemto
become more efficient.
 Organizedthe commercial loanfileswithrevisedchecklistsandoutcards.
 Organizedfinancial statementfilestoensure compliance withFDICexamination.
 Establishedproceduresandreports(Statusof PastDue Notes – 15 Days and Greater,Note ComingDue,
Renewal,andExceptionsaswell asotherreports) tomonitoremployees’ workflow andhelpthemto
become more efficient.
 Monitoredworkflowandprocedurestoensure thatemployeeswere workinginanefficientmanner
includingthe evaluationof employees.
 Evaluateddocumentationtoensure the qualityof the paperworkandthe securityof collateral.
 Identifiedproblemcreditsandmade recommendationsforworkoutsituations.
 Assistedinthe establishmentof riskratingpoliciesandprocedures
 Monitoredfinancial statementswithnew trackingsystemcalledExceptionComplete.
 Enlargedandreorganizedthe file roomforcompliance withFDICexamination.
 Reviewedproposedloansforcompliance withBankpolicies.
 Ensuredthe qualityandprofitabilityof the Bank’sloanportfoliothroughappropriate approval,
administrationandreview activities.

3. Kenneth S. Alleman ◦ (248) 807-2459 ◦ kenneths@comcast.net
3
Lender Solutions, Inc., www.lendersolutions.com, Livonia, MI
2010 – 2012
A leading Detroit area consulting and field audit firm founded in 2003 and privately held. Eight employees serving the major
banks of Michigan and Ohio.
SENIOR FIELD AUDITOR
Performed field exams on a part-time basis as an individual auditor or in teams as a lead auditor or associate
auditor in Michigan and Ohio for several national, regional and local banks. Reported to the Field Audit Manager.
 Performedcomplex auditsincludingsolicitationexaminations,asset-basedloanaudits,andspecialloan
examinations.
 Participatedindepartmental policyandprocedural decisions.
 Examinedfinancialrecordsof commercial loanborrowerstoverifythe Bank’scollateral positionaswell as
makingsure accountingsystemsandcontrolswere workingsatisfactorily.
 Reviewedfinancial recordsconsistingof agings,inventoryrecords,selectedfinancial statementaccounts,
journals,general ledgers,andotherrecordstodetermine theirreliabilityandquality.
Bank of America, www.BankofAmerica.com, Troy, MI
2009
The second largest bank holding company in the United States with operations in all 50 states and more than 40 countries.
SENIOR FIELD AUDITOR
Performed field exams as an individual auditor or in teams as a lead auditor or associate auditor primarily in
Michigan. Reported to the Assistant Regional Field Audit Manager – Central Region.
 Assistedinthe creationandimplementationof the accountsreceivable phone verificationsystem.
 Performedcomplex auditsincludingsolicitationexaminations,asset-basedloanaudits,andspecialloan
examinations.
 Participatedindepartmental policyandprocedural decisions.
 Examinedfinancialrecordsof commercial loanborrowerstoverifythe Bank’scollateral positionaswell as
makingsure accountingsystemsandcontrolswere workingsatisfactorily.
 Reviewedfinancial recordsconsistingof agings,inventoryrecords,selectedfinancial statementaccounts,
journals,general ledgers,andotherrecordstodetermine theirreliabilityandquality.

4. Kenneth S. Alleman ◦ (248) 807-2459 ◦ kenneths@comcast.net
4
LaSalle Bank, Troy, MI (Purchased by Bank of America)
2006 – 2008
During this period, LaSalle Bank became the largest bank in Michigan by assets and deposits.
MICHIGAN FIELD AUDIT MANAGER
Managed the Regional Michigan Field Audit Department consisted of field exams in Michigan, Ohio, Indiana,
Kentucky and Tennessee. Reported to the First Vice President & National Field Audit Manager.
 Scheduledfieldauditexaminationsforinternalandexternal auditors.
 Reviewedfieldauditexaminationsof all auditors.
 Managed fieldexaminationsonsite whennecessary.
 Hiredand trainedinternal andexternal fieldexaminersforthe Michiganregion.
 Assistedinthe creationandimplementationof the accountsreceivable verificationsystem.
 Performedquarterlyfieldauditpresentationsforthe MichiganCreditDepartment.
 Administeredthe fieldauditcomputersystem forauditstorage andschedule.
 Performedandsentpre-auditinformationtoexternalexaminers.
SENIOR FIELD AUDITOR
2001 – 2005
Performed field exams as an individual auditor or in teams as a lead auditor or associate auditor primarily in
Michigan. Reported to the Michigan Field Audit Manager.
 Examinedfinancialrecordsof commercial loanborrowersto verifythe Bank’scollateral positionaswell as
makingsure accountingsystemsandcontrolswere workingsatisfactorily.
 Reviewedfinancial recordsconsistingof agings,inventoryrecords,selectedfinancial statementaccounts,
journals,general ledgers, andotherrecordstodetermine theirreliabilityandquality.
 Trainedloanofficers,creditanalysts,andotherfieldauditorsinfieldauditprocedures.
 Performedcomplex auditsincludingsolicitationexaminationsof asset-basedloanauditsandspecial loan
examinations.
 Participatedindepartmental policyandprocedural decisions.
 Completedthe AdvancedFieldAuditSchool Seminarpresentedbythe CommercialFinance Associationin
Chicago,Illinois. Ourgroupfinishedfirstinthe classin2005.
Michigan National Bank, Farmington Hills, MI (Purchased by LaSalle Bank)
1992 – 2001
They became one of the largest banks in Michigan by assets and deposits. At one point, the second largest bank in the state
of Michigan.
SENIOR FIELD AUDITOR
Performed field exams as an individual auditor or in teams as a lead auditor or associate auditor with audits
throughout the United States. Reported to the Corporate Field Audit Manager.
 Assistedinwritingthe fieldauditmanual includingthe accountsreceivableand inventorysections.

5. Kenneth S. Alleman ◦ (248) 807-2459 ◦ kenneths@comcast.net
5
 Made recommendationstoloanofficersandloancommitteesonfinancial proceduresandcollateral
support.
 Examinedfinancialrecordsof commercial loanborrowerstoverifythe Bank’scollateral positionaswell as
makingsure accounting systemsandcontrolswere workingsatisfactorily
 Reviewedfinancial recordsconsistingof agings,inventoryrecords,selectedfinancial statementaccounts,
journals,general ledgers,andotherrecordstodetermine theirreliabilityandquality.
 Providedaccountingandfinancial informationtoassistmanagementinevaluatingclients’collateral and
businessperformance.
 Trainedloanofficers,creditanalysts,andotherfieldauditorsinfieldauditprocedures.
 Performedcomplex auditsincludingsolicitation examinationsof asset-basedloanauditsandspecial loan
examinations.
 Developed andimprovedthe accountsreceivableverificationtrackingsystemandreport.
 Improvedproceduresforaccountsreceivable examinations.
 Established andimproved procedures forinventoryevaluations
 Extendedthe accountsreceivable ineligible listing.
SENIOR CREDIT ANALYST
1990 –1991
Performed write-ups and financial spreads. Reported to Area Credit Manager.
 Analyzedcreditinformationsuchasfinancial statements,cashflow schedules,collateral summaries,debt
service analysis,andproformaandprojectedstatementspertainingtodiversifiedtypesof commercial
loans.
 Preparedfinancial informationforpresentationstothe commercial loanandcreditcommittees.
 Outlinedthe redflagsof lending.
 Presentedseminarsinaccountsreceivable dilution.
OTHER POSITIONS HELD
Michigan National Bank, Farmington Hills, MI 1980 –1989
FIELD AUDITOR
EDUCATION
Master’s Degree in Business Administration (1980), University of Detroit, Detroit, MI
Major: Accounting Minor: Finance
Bachelor of Science Degree in Business Administration (1975), Wayne State University, Detroit, MI
Major: Management