TRUDI AMUNDSON 1108 Curtis Street Albany, CA 94706 ta13ce7aa@westpost.

net (510) 528-3233

AREAS OF EXPERTISE RIsk Analysis and Mitigation Credit and Financial Audit Credit/Portfolio Management Oversight of Policies & Procedures Financial Analysis/Credit Underwriting Financial Due Diligence Complex Corporate Transactions Financial Modeling & Valuation Financial Research and Risk Rating Investment Banking PROFESSIONAL EXPERIENCE ARLENE K. MOSE volunteer 5/2009 - Present

While looking for permanent employment, am volunteering at a colleague's CPA fir m helping with financial and operational aduits, preparation of client's financial stateme nts, bookkeeping and some tax preparation. Assist in thes office as needed. Consult with busine ss clients to help improve busines processes and increse efficiencies to improve operations and profitability. CITY NATIONAL BANK 08/2005 - 03/2008 Vice President, Senior Loan Underwriter, Private Banking/Commercial Banking Senior Loan Underwriter for Private Banking unit located in Walnut Creek, CA. R esponsible for portfolio of approximately $75.0 million in private banking credits. Work with relationship managers to bring in new transactions and qualify them for credit approval. Attend client meetings with relationship managers to help explain loan products, secure new leads and discuss any problems which may be occurring within the client's portfolio. Responsible for preparation of r enewals on existing portfolio and administrative activities such as risk rating updates, problem loan reporting - all aspects of portfolio management. Primary contact for internal and external loan reviews or compliance reviews. Portfolio consisted of commercial r eal estate, non-profit private schools, law offices and lines of credit secured by accounts receivables. FIREMAN'S FUND INSURANCE COMPANY, Novato, CA Director, Corporate Credit Services 02/1998 - 10/2004

Manage a team of 5 finance professionals responsible for the oversight and manag ement of a $22.5 billion credit portfolio. Performed operational/financial audits on business lines to ensure compliance wi th Corporate Credit policies and procedures. Work with executives from all business lines to ensure credit quality maintained

in insurance transactions with clients. Implement credit risk mitigation policies including minimum levels of credit und erwriting required for different classes of business. Ensure compliance with credit policies throughout the organization. Working with audit department, performed testing of internal controls to ensure compliance with company policies and procedures. Administer collateral guidelines and collateral processing for company. Negotia te lines of credit on favorable terms. Developed loss reserves for credit portfolios including reinsurance recoverables and surety bonds receivables. Brought department into compliance with SOX, including testing. Acted as a cont rol site for other department's management of risk. Negotiated, underwrote, documented and closed complex corporate finance transact ions. Performed complex financial analysis, built pro forma valuation models and perfo rmed financial due diligence for merger/acquisition activity. Led the sale/disposition of two subsidiaries at fa vorable terms. Resolved troubled credit relationships including defaulted loan transactions, su rety bonds, and investments. Successfully resolved $40.0 million commercial loan where borrower was ultimately seized by t he government for fraudulent activities. Handled all customer bankruptcies, which included Enron and Kmart. Worked with legal department to maximize recoveries. Handled all tourbled assets of the company which included renegoitia ting terms of the deal and or, if collaterlized by real estate, handled foreclosures, if necessary. SANDLER O'NEILL PARTNERS, Walnut Creek, CA RODMAN & RENSHAW, INC., San Francisco, CA Equity Research Analyst, Sell - Side 09/1996 - 02/1998 06/1995 - 09/1996

Maintained research coverage on a portfolio of financial institutions, primarily banks/thrifts and mortgage companies throughout the western United States. Performed financial due diligence on companies under review. Met with managemen t, analyzed financial data and built accurate pro forma income statements. Researched and published investment analy sis and stock recommendations. Performed stock valuation techniques to develop target price estimates. Interfac ed with investment banking, sales staff and clients regarding investment opportunities. BAY VIEW FEDERAL BANK, San Mateo, CA 10/1991 - 02/1995 Assistant Vice President, Audit & Internal Asset Review Vice President, Credit Administration Created internal asset review department before moving to Credit Administration

department. Responsible for the recruitment and management of approximately 30 people including loan review officers, credit und erwriters, asset workout specialists, loan and note administrators, and financial analysts. Completed, in six weeks, a comprehensive loan review of existing $1.5 billion co mmercial real estate portfolio, primarily mutli-family residential. First review ever performed on the quality of the loa n portfolio. Wrote policies and procedures to govern credit underwriting process throughout t he organization. Evaluated compliance with internal policies and procedures as well as compliance with banking regulations. Tested internal controls and procedures to ensure compliance with credit policie s. Designed and implemented a database system to monitor loan performance. Include d tickler system to ensure timeliness of receipt of financial information, tax status, and performance. Approved the underwriting and documentation of large commercial real estate tran sactions. Developed template to facilitate Discounted Cash Flow and Debt Coverage analysis . Worked with Special Assets department to resolved troubled credits. Chairman of the Fair Credit Reporting Committee OFFICE OF THRIFT SUPERVISION, San Francisco, CA Federal Thrift Regulator 09/1989 - 10/1991

Organized, planned and managed audits/examinations of savings & loans and thrift s in accordance with federal laws and regulations. Viewed the viability of lending programs, management expertise, as set-liability management and earnings strength. Trained new examiners in loan review, financial review and auditing techniques. Evaluated the effectiveness of internal controls and strength of internal audit department. Developed conclusions, made recommendati ons, wrote examination reports, and held exit meetings with executive management. Developed and enforced corrective actions, where necessary. FEDERAL RESERVE BANK, San Francisco, CA Bank Holding Company Examiner 09/1986 - 08/1989

Traveled throughout the U.S. performing audits/examinations of major financial i nstitutions. Organized, planned and directed external audits of bank holding companies and non-bank subsidiaries for complian ce with federal laws and regulations. Performed comprehensive loan review testing, evaluation of internal controls, and testing for compliance with both internal and external policies. Ensured viability of management business plans. Participated in sha red national credit reviews with other regulatory agencies. Performed a nationwide review of financial institution's lending poli

cies for leverage buy-out transactions to assist in developing safety and soundness regulations. Made recommendations, wrote in-dep th examination reports and edited reports prepared by others for accuracy. Led meetings with executive and boards of dire ctors. Recommended and enforced corrective actions, when necessary.

EDUCATION BS, Business Administration, Finance: California State University, East Bay. A ugust 1986 BA, Economics: California State University, East Bay, August 1986 Banking I-III: Federal Reserve Bank, Washington, D.C. 1986 - 1988 Federal Thrift Regulator: December 1991 Candidate - Level III, Chartered Financial Analyst (CFA) Series 7 and 63 Licenses