Eric W. Hubbard has over 20 years of experience in commercial banking, including managing regulatory examinations, loan review, and negotiating problem asset resolutions. He has worked as a consultant helping community banks address regulatory and asset quality issues. Previously he was President and Chief Lending Officer of a bank where he managed loan workouts, reducing non-performing loans by $59 million. He has an MBA with an emphasis in finance and diploma in banking.

1. E RIC W. H UBBARD
1705 Wildwood Court  Glenview, IL 60025  (773) 991-7802  eric@vikingadvisorsllc.com
C O M M E R C I A L B A NK I N G EX P ER T
 20+ years of banking experience adding and restoring value to the balance sheet.
 Extensive background in Regulatory Compliance, including managing regulatory examinations
resulting in material reductions of proposed loan loss provisions.
 Critical thinking skills applied to loan review assignments yielded new perspectives on potential
systemic lending and regulatory compliance deficiencies and helped to develop corrective measures.
 Demonstrated success in negotiating in order to move problem assets in a fast and cost-effective
manner to maximize the return to the bank.
REGULATORY COMPLIANCE SKILLS WORKOUT SKILLS
Loan Review Crisis Management Forbearance Documentation
Appraisal Review Staff Recruitment & Retention NPA Project Management
Loan Risk Grading Regulatory Relations Property & Short-sales
Policy Drafting Loss Provision Negotiations Foreclosure-Receivership
Board Reporting Regulatory Response NPA Policies & Procedures
PROFESSIONAL EXPERIENCE
VIKING ADVISORS, LLC — Glenview, IL
Community Bank Consultant on Regulatory Compliance, Capital Attraction & Retention, Loan Workouts &
OREO Management/Sale issues.
Consultant, April 2011 to Present
Advisor to community banks to attract and preserve capital, improve asset quality and correct
regulatory deficiencies.
Key Results:
 Confidential assignment where I introduced an investment group to a troubled community bank.
Currently negotiating definitive agreement.
 Managed asset due diligence team for the purchase of a troubled community bank.
EWH CONSULTING — Glenview, IL
Bank Management, Lending and Regulatory Compliance Consultant.
Sole Proprietor, August 2010 to Present
Provide high-level advice and hands-on assistance to Bank Management and Directors to address the
complicated and critical regulatory and asset quality issues that banks face today.
Key Results:
 Assumed the role of senior lender for a community bank on short notice while under a regulatory
order and facing a safety and soundness examination.
 Reduced loan loss provisions by over $2 million by negotiating with regulators and offering
superior impairment analysis.
 Quickly obtained the trust and confidence of bank management, directors and staff that was
critical to operate in a high-stress environment.
 Managed problem assets including developing workout strategies, preparing project budgets, and
negotiating forbearance agreements, listing agreements, sales contracts, and leases.
 Amended Loan Policies and Procedures and developed new loan underwriting tools based on
results of Loan Review and last exam. Drafted Succession Plan as part of Strategic Plan.
 Completed Cease & Desist Reporting Requirements & communicated with regulators.

2. ERIC W. HUBBARD Phone: (773) 991-7802  Page 2
RAVENSWOOD BANK — Chicago, IL
Premier small business and commercial real estate lender on the north side of Chicago.
President and Chief Lending Officer, August 2005 to August 2010
Managed collection effort from 2008 through closing in August 2010. Recruited and managed workout
professionals, attorneys, receivers, realtors, property managers and contractors. Completed busted lot
subdivision and condo conversion projects. Developed innovative strategies to collect loans. Managed
all lending activities and assisted with other banking activities including establishing a successful
branch in Mt. Prospect and recruiting small business lenders to diversify the loan portfolio prior to the
financial storm from 2005 to 2008.
Key Results-Workouts:
 Played a key role in reducing non-performing loans by $59 million over six-quarters by using
innovative programs, maintaining relationships with realtors, investors and collection
professionals and negotiating forbearance programs, deeds in-lieu, short sales, leases and other
transactions to maximize the return of principal to the bank. Developed “Prime The Pump”
Program to convert busted non-performing, condo projects to performing assets.
 Reduced construction concentrations from $145 million to $55 million by completing projects,
encouraging repayments and converting condo construction loans to performing, owner-occupied,
single family loans through the innovative “Prime The Pump” Program.
 Fostered a teamwork/open-door environment conducive to positive dialogue across the
organization during a time of crisis. Retained key staff members during a period of extreme
uncertainty.
 Completed Cease & Desist Reporting Requirements & communicated with regulators.
 Interfaced with potential investors to determine risk and value of non-performing assets and the
amount of investment required to adequately capitalize the bank.
Executive Vice President, 2000 to 2005 Senior Vice President, 1996 to 1999
Recruited to help open new bank branches in Chicago and Mt. Prospect in an effort to reduce
construction and commercial real estate concentrations from 2001 to 2008. Opened new lending
center and recruited staff and loan officers from 1999 to 2001. Guiding the startup and management of
the lending operations, systems and programs for a de-novo bank from 1996 to 1999.
Key Results:
 Key „rain maker‟ for the bank producing up to $40 million in annual loans with a personal portfolio
of up to $100 million, not including loans originated, but managed by others. Most business
obtained through personal networking and business referrals.
 Recruited, trained and grew staff from two people to 20 managing over $250 million in loans.
 Developed company‟s loan policies and procedures with few technical exceptions.
 Established and maintained excellent relationship with regulators.
PIONEER BANK. — Chicago, IL
Vice President-Division Manager, 1993 to 1996 Assistant Vice President, 1989 to 1992
Managed the five-person commercial real estate division with an $80 million loan portfolio. Handled all
workouts and reported results to the President weekly. Appointed to the Total Quality Management
Commercial Loan Process Improvement Team.
Key Results:
 Key „rain maker‟ for the bank producing up to $10 million in annual loans with a personal portfolio
of up to $50 million.
 Assisted with implementation of Total Quality Management as TQM Train the Trainer and process
improvement team member.

3. ERIC W. HUBBARD Phone: (773) 991-7802  Page 3
EDUCATION & CERTIFICATIONS
GRADUATE SCHOOL OF BANKING — Madison, WI
Diploma in Banking
UNIVERSITY OF LOUISVILLE — Louisville, KY
Master‟s in Business Administration with an emphasis in Finance
CENTRE COLLEGE — Danville, KY
Bachelors of Science in Economics
OF NOTE
Professional Development:
 Complete ongoing training in all areas of lending including workouts, construction lending, loan
documentation, financial statement analysis, environmental assessments, appraisals (passed IL
license test), real estate sales (passed IL license test), income property analysis (CCIM course work).
Also completed various sales classes, including Dale Carnegie Sales Course as a student and group
leader. Instructor for TQM and Commercial Mortgage Brokering. Currently studying to obtain Illinois
Real Estate Broker‟s License.
Affiliations:
 Illinois Association of Mortgage Professionals (designated trainer for Commercial Mortgage Loan
Brokering class.)
 Illinois Mortgage Banking Association
LinkedIn Profile: http://www.linkedin.com/in/erichubbard1