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• <br /> HENRY E. RUGGLES <br /> 2629 Lake Court Drive <br /> Mounds View, MN 55112 <br /> (612) 784-4788 <br /> PROFESSIONAL EXPERIENCE <br /> 1986 - 1991 LOAN REVIEW <br /> Loan Review Officer, Richfield Bank & Trust <br /> Co. , Richfield, MN <br /> * Review commercial loans in a bank with two <br /> branches and over $250 million in assets. <br /> * Responsible for implementing new loan review <br /> procedures I developed for <br /> 1) work sheets; design of written review. <br /> 2) filing system; method for monitoring <br /> work done and to be done. <br /> 3) communication through routing of <br /> reviews to loan officers and <br /> management. <br /> 4) resolving risk rating differences. <br /> 5) reporting to supervisors. <br /> * Changed and re-wrote the Risk Rating <br /> Classification System in use at Rich- <br /> field Bank & Trust Co. <br /> * With the help of D/P, designed various new <br /> computer reports. <br /> 1979 - 1986 COMMERCIAL BANK EXAMINATION <br /> - E-x-a-m-miner a Feder-a-1 Res-e1-ve-Bank-a+—Mi-n-n-apo-l-i-s- <br /> * Was designated as Examiner-in-Charge on 36 <br /> examinations. <br /> * Conducted on-site examinations of assigned <br /> banks up to $200 million in assets. <br /> * Discussed--findings w-i-th directorsand/orand/or -------. <br /> management. <br /> * Rendered a written examination report <br /> presenting findings and recommendations <br /> noting any non-compliance with applicable <br /> laws and regulations. <br />