1. Lawrence E. Reynolds
5307 Hempstead Road, Louisville, KY 40207, Res. (502) 897-0912 or Cell (502) 609-5700
ler1952@gmail.com
CAREER PROFILE
A senior loan resolution specialist of classified commercial loans with 42 years of banking experience.
Qualified through a successful track record of formulating, negotiating, and executing problem loan exit-
strategies across diverse industries at all debt levels. I possess essential communications and
interpersonal skills including recognized negotiation and mediation skills. Strong contacts in the
bankruptcy and commercial transaction bar as well as with turnaround consulting firms.
PROFESSIONAL EXPERIENCE
PNC Bank, N.A., Louisville, Kentucky: March, 1984 to July, 2016
Senior Vice President, PNC Asset Recovery Team
 Responsible for the development of rehabilitation and exit strategies for criticized credit relationships
from the commercial lending activities in the Louisville and St Louis markets with management
responsibility for seven staff employees, including adherence to all regulatory and internal policies.
 My responsibility center was responsible for the direct management of over $300MM in classified
loans and consultation on an additional $100MM. My team of 4 professionals showed positive
results and produced a significant reduction in these asset pools without incurring undue losses or
incurring any adverse market reputational risk concerns.
 In 2013 I established a collection operation for charged off loans with balances over $1MM. This
effort has resulted in recoveries and income pickup of over $110MM in the 3 years of operation. As a
part of this effort I established a method for tracking judgments for use with commercial and real
estate loans on the PNC commercial loan system and instructed both operations and the bank wide
asset recovery team on its use.
 Managed both the Louisville and Cincinnati markets from 1997 to 2001, instituting initiatives that
reduced the Cincinnati market’s portfolio criticized asset portfolio from $34MM to $17MM while
reducing staff from six to two. During this same period I also oversaw similar staff reductions in the
Louisville market without a reduction in account resolution.
 Member of the market leadership team advising on market initiatives as well as market challenges.
 Served as a board member of the PNC Foundation for the Kentucky market making decisions on
foundation charitable gifts.
First National Bank, Louisville, Kentucky
Assistant Vice President, Loan Administration: 1982-1984
Field examiner for the asset-based lending and criticized loan departments. Acquired valuable knowledge
of accounting systems and practical applications.
Manager, Commercial Loan Collateral Department: 1980-1982
Managed a staff of four in the administration of all aspects of commercial loan collateral documentation.
EDUCATION
University of Louisville
Bachelor of Science in Commerce with a major in Finance