Copyright 2013 by RMA | February 2013 The RMA Journal 47

THE CLARENCE R. REED AWARD FOR DISTINGUISHED SERVICE

Jack WixtedChief Risk Offi cer | SunTrust MortgageRichmond, Virginia

CERTIFICATES OF APPRECIATION

Certifi cates are awarded in recognition of the exceptional contributions these individuals have made to RMA.

For Service as RMA Directors:Thomas E. FreemanEVP/Chief Risk Offi cer | SunTrust BankAtlanta, GA

Kris GagnonEVP & Chief Credit Offi cer | OneWest Bank FSBPasadena, CA

Scott S. HickeyEVP & Chief Credit Offi cer | Associated Bank NAMilwaukee, WI

For Service as RMA Council Chairs & Members of the Board:Robert J. BojdakEVP & Chief Credit Offi cer | Manufacturers & Traders Trust CoBuffalo, NY

Michael P. McAuleySenior Business Strategist, Global Securities LendingBank of New York Mellon | Everett, MA

2011-12 AWARD WINNERS

JOURNALISTIC EXCELLENCE AWARDSThe Journalistic Excellence Award Committee has selected winners from articles contributed to The RMA Journal in 2011. Awards are given for Best Single Article.

First Place (tie) Matthew Coughlin | First Citrus Bank “Internal Evaluations and LTV Tracking Systems”

Joe Davis, CRC | Old National Bank“Determining the Appropriate Debt Structure”

Third PlaceNathan Sachritz | LCNB National Bank“Top 10 Rules for Credit Analysts”

Honorable MentionDev Strischek | SunTrust Banks, Inc.“LIFOsuction: Life After LIFO”

ARGO

Audit One

Bankers Toolbox

Braun, Inc.

CoStar Group

Custom Credit Systems

D+H

DiCom

Environmental Data Resources

ExactBid

First American Commercial Evaluation Services

FIMAC

Fiscal Credit Suite

GDS Link LLC

Global Wave Group

Harland Financial Solutions

HCL CapitalStream

IHS Global Insight

InterThinx

Legosys Solutions

McGuire Performance Solutions

Migration Metrics

Mainstreet Technologies

RMA

RMA Journal

RMA Website

SNL

Supernal Software

Trepp

Vanguard Software Group

Exhibitors

First Place:Conference Registration at Annual Conference HotelNovember 17-19, 2013 | Philadelphia, PA

Michael L. AmendCRC, Loan Review Offi cer | First United Bank1400 West Main, Durant, OK 74701

Second Place: Two-Night Stay at the Marriott Philadelphia DowntownNovember 17-19, 2013 | Philadelphia, PA

Carol Lawrence Compliance & Regulatory Offi cer | National Bank of Dominica Ltd.64 Hillsborough St., Roseau, Dominica

Passport Contest WinnersThis prize drawing was for conference attendees who got their “passport” stamped by at least 14 exhibitors at the Annual Conference.

Recognition & Awards

AnnuAl ConferenCe RMA

sLoane photoGraphy

February 2013 The RMA Journal | Copyright 2013 by RMA48

AnnuAl ConferenCeRMA

John Barrickman, Christine Corso, & Claude HanleyNew Horizons Financial Group“Dual Asset Quality Ratings: The Next Generation”

Jason Goddard & Bill Marcum | Wells Fargo and Wake Forest University“The Crowd Is Untruth: The Problem of Cap Rates in a Declining Market”

Mary Jo Taylor | Capital Funding LLC“Lending to Senior Care Facilities”

Greg Fraker | Cobiz Bank NA“Lending to Veterinary Practices”

Eric Holmquist | Accume Partners“Loan Foreclosures: Time for Operational Risk Management to Deliver”

Dev Strischek | SunTrust Banks, Inc.“Character and Fraud: Protection and Prevention”

2011-12 CHAPTER AWARD WINNERS

ARTICLE WRITING COMPETITION

The Article Writing Competition’s main purpose is to further the financial services profession through research and sharing of experiences. By pooling our collective resources, we can provide our industry with information needed to improve the way we do our jobs, the way we serve our institutions and customers, and to better ourselves. This competition provides participants with a chance to make a contribution to the industry, improve their own knowledge base, and spotlight their organization. As a side benefit, the contest identifies and rewards individuals who have a willingness to strengthen themselves, their employers, and their industry.

The winning papers were selected from those that had taken top honors in competitions held last year by RMA’s local chapters and those submitted individually.

First Place Nevin SheppardBB&T | Winston-Salem, NC | Triad/Carolinas-Virginias Chapters“Characteristics of High Achieving CREDIT Departments”

Second Place Kathy SwiftCapital Pacific Bank | Portland, OR | Portland Metro Chapter“ The Path from Commercial Lender to Bowling Center Manager and Back Again”

Third Place Jonathan Hall & Clayton HundleyFrost Bank | Dallas, TX | North Texas/Texas Chapters“Capitalizing Operating Lease: A Banker’s Perspective”

Honorable Mention Anna UboytsevaFirst Tennessee Bank | Nashville, TN | Middle Tennessee Chapter“Understanding Municipal Pension Obligations”

MAXINE ELKIN NEWSLETTER COMPETITION

RMA holds an annual newsletter competition and awards four prizes. RMA-HQ judges rate the newsletters, submitted by chapters, based on content, style in presentation, and design.

First PlaceKenechi Onyeagusi | Capital Pacific Bank | Portland, ORCasandra Clements | US Bank | Portland, OR“Risk Management Association Portland Metro Chapter Newsletter” Portland Metro Chapter

Second Place Peter Hickling | Sandy Spring Bank | Columbia, MDMary Jo Taylor | Capital Funding LLC | Baltimore, MD“Chesapeake Clips”Chesapeake Chapter Chapter

Third PlaceTim Robinson | Fulton Bank | Richmond, VA “Anne’s Assessments” Carolinas-Virginias Chapter

Honorable MentionThomas Beamon | Alliance Bank | Chantilly, VAChris Johnson | Mainstreet Bank | Herndon, VA “Potomac Post”Potomac Chapter

2011-12 RMA STAR AWARD PROGRAM

RMA’s STAR Award Program enables leaders of local RMA chapters to evaluate their year’s activities and performance, and identify areas for improvement. Performance is rated in seven areas: organization, planning and administration, education and professional activities, paper writing, membership, communications, and public relations.

PLATINUM LEVELRegional

texas: Tony Ross | Capital One National Association | Houston, TX

Large

arizona: Mark A. Gnirk | MidFirst Bank | Phoenix, AZ

gulf coast: Daryl D. Bohls | Allegiance Bank Texas | Houston, TX

oklahoma: Fawn Sachleben | Stillwater National Bank | Oklahoma City, OKphiladelphia: Scott R. Gamble | National Penn Bank | Berwyn, PA

Medium

charlotte: Jeffrey R. Cramer | Yadkin Valley Bank & Trust Co | Huntersville, NC

east central pa: Lori L. Shelly | Univest Bank and Trust Co | Souderton, PA

orange county: Bruce Corzine | Corallee Inc | Costa Mesa, CA

st. louis: Carla J. Valenti | Parkside Financial Bank and Trust | Clayton, MOtriad: Daniel D. Hornfeck | Carolina Bank | Greensboro, NC

Copyright 2013 by RMA | February 2013 The RMA Journal 49

Small

eastern iowa: Nick E. Reitzler | Morrill and Janes Bank | Merriam, KS

south florida: Robin B. Henderson | Bank of America | West Palm Beach, FL

tri-counties: John W. Moskal | Rabobank NA | Ventura, CA

vermont: Anita D. Woodcock | Brattleboro Savings & Loan FA | Brattleboro, VT

Global alberta: James M. Humbke | Alberta Treasury Branches | Calgary, AB

Young Professionals minnesota: Brett Lawrence | Venture Bank | Bloomington, MN

GOLD LEVELRegional carolinas-virginias: Anne A. Burnett Federal Reserve Bank of Richmond | Richmond, VA

florida: Lawrence W. Nordmann | Sanford, FL

Large

central florida: Patrick J. McEvoy GulfCoast Business Finance Inc. | Orlando, FL

chicago: Nicholas A. Sickler | John R. Waters & Company | Chicago, IL

golden gate: Paul C. Nasman Federal Reserve Bank of San Francisco | San Francisco, CA

los angeles: Ronald A. Stoffers | Transition Membership | Pasadena, CA

minnesota: Matthew D. Krueger | TCF National Bank | Shoreview, MN

north texas: Charles W. Fell | Comerica Bank | Richardson, TX

pittsburgh: Mark L. Buchek | Northwest Savings Bank | Pittsburgh, PA

puget sound: Jeannie M. Johnson | Columbia State Bank | Sumner, WArocky mountain: Deborah A. Ramsey

First Citizens Bank & Trust Co. | Denver, CO

Medium

central indiana: Della K. Hootman | KeyBank NA | Indianapolis, IN

central texas: Tommy G. Clark | Transition Membership | Austin, TX

first coast: Steven R. Sprecher | BB&T | Jacksonville, FL

kansas: Cheri Koke | Kanza Bank | Wichita, KS

kansas city: Jim Phillips | Armed Forces Bank NA | Kansas City, MO

las vegas: Paola P. Gonzalez | First Security Bank of Nevada | Las Vegas, NV

maine: Michael J. Marino | M&M Consulting LLC | Surry, ME

middle tennessee: Thomas J. Kern | Civic Bank & Trust | Nashville, TN

northern ohio: James A. Horner | PNC Bank NA | Strongsville, OH

portland metro: Joseph D. Sillay Federal National Payables Inc | Portland, OR

potomac: Gertrude A. Kwabi-Addo | Alliance Bank Corp | Chantilly, VA

Kathy L. Harbold | Cardinal Bank NA | Tysons Corner, VA

richmond: Raleigh C. Hobson III | Midlothian, VA

south central pa: Tina M. Thompson | Fulton Bank | Harrisburg, PA

tampa: James M. Cooksey | First National Bank of Pasco | Dade City, FL

Small central pa: Melanie D. Donlan | Northwest Savings Bank | Altoona, PA

eugene/sprinfield oregon: Mark P. Reynolds Jones & Roth CPAs | Eugene, OR

hampton roads: Daniel T. Cronin | Fulton Bank | Virginia Beach, VA

north central: Mark P. Jensen | Western State Bank | West Fargo, ND

river valley: Joseph J. Davis | Old National Bank | Evansville, IN

sarasota/manatee: Jonathan G. Schneider | BB&T | Bradenton, FL

Start-Up central ohio: John C. Wolters | United Midwest Savings Bank | Columbus, OH

Young Professionals

arizona: Blake W. Sanders | Meridian Bank NA | Scottsdale, AZ

Chris P. Duranto | Western Alliance Bank | Phoenix, AZ

charlotte: Kyle H. Woodruff | First Citizens Bank & Trust Co | Charlotte, NC

maine: Robert C. Harville | Norway Savings Bank | Portland, ME

st. louis: Ryan L. Baumgartner | Commerce Bank | St. Louis, MO

Brian J. Nolan | Carmody MacDonald PC | Clayton, MO

triad: Jed W. Orman | NewBridge Bank | Greensboro, NC

SILVER LEVELLarge michigan: Julie J. Nowicki | Comerica Bank | Farmington, MI

wisconsin: Jeana Pennings BMO Harris Bank National Association | Brookfield, WI

Medium central arkansas: David B. Marks

Transition Membership | North Little Rock, AR

eastern north carolina: Matthew T. King | Fidelity Bank | Fuquay Varina, NC

grtr. cincinnati/n. kentucky: Bryan Kroeger US Bank National Association | Cincinnati, OH

hawaii: Maria Reyes-Faria | Central Pacific Bank | Honolulu, HI

midlands: Paul Olson | First National Bank of Omaha | Omaha, NE

new mexico: Jordan Herrington BOKF National Association | Albuquerque, NM

new orleans: Shane M. Smith Metairie Bank & Trust Company | Metairie, LA

sacramento: Blaine C. Lauhon | Folsom Lake Bank | Folsom, CA

Small

great smokies: Lacy A. Cross | Oldtown Bank | Waynesville, NC

northern indiana: Ryan L. Hart | Lake City Bank | Indianapolis, IN

southern new jersey: Robinn A. Mikalic | JD Factors LLC | Marlton, NJ

southern oregon: Thomas Knox People’s Bank of Commerce | Medford, OR

Young Professionals kansas: Scott N. Soderstrom

Intrust Bank National Association | Wichita, KS

orange county: Helena E. Sopwith Camel Financial Inc | Newport Beach, CA

portland metro: Kristin H. Timm | Columbia Community Bank | Tigard, OR

puget sound: Walter Weston | Comerica Bank | Bellevue, WA

February 2013 The RMA Journal | Copyright 2013 by RMA50

san antonio: Austin B. Kroll | Frost Bank | San Antonio, TX

south florida: Alexander E. Nall | PNC Bank NA | West Palm Beach, FL

vermont: Jennifer J. Daigle | Community National Bank | Derby, VT

Michael M. Corbett National Bank of Middlebury | Middlebury, VT

BRONZE LEVELSmall acadiana area: Billy J. Babineaux | BancorpSouth Bank | Lafayette, LA

central south carolina: Ron W. PaullFirst Citizens Bank & Trust Co | Columbia, SC

upper south carolina: Cornelia K. BaldwinFirst Citizens Bank & Trust Co | Greer, SC

Young Professionals east central pa: David J. Sherwin | New Tripoli Bank | Orefi eld, PA

eastern iowa: Ben C. WeberCedar Rapids Bank & Trust Company | Cedar Rapids, IA

grtr. cincinnati/n. kentucky: Jason WintersUS Bank National Association | Cincinnati, OH

michigan: Greg M Eichbrecht | PNC Bank NA | Troy, MILauren R. DeCoeur | Comerica Bank | Farmington, MI

2011-12 SPECIAL SERVICE AWARDS

These awards are presented annually to those individuals who have completed, in an exceptional manner, a special project or service for RMA.

Caryl Athanasiu | Wells Fargo & Co | San Francisco, CA

Patrick Avitabile | Citi, New York, NY

Janet Balzer | Crescent Lake, OR

Donald A. Bedard | Lowell Five Cent Savings Bank | Lowell, MA

John Cassis | Wells Fargo Bank, N.A. | Fort Lauderdale, FL

Paget Dare-Bryan | Clifford Chance | Central, Hong Kong

Allen David | First National Bankers Bank | Baton Rouge, LA

Angela R. Durrett | Green Bank NA | Houston, TX

Dominick Falco | BNY Mellon | Tokyo, Japan

Don P. Foster | Offi t Kurman, P.A. | Philadelphia, PA

Gregory T. Fraker | CRC, Arizona Business Bank | Phoenix, AZ

Gene Gemelli | Credit Suisse | New York, NY

Paola P. Gonzalez | First Security Bank of Nevada | Las Vegas, NV

Philip S. Hatch | Commercial Credit Training Services | Saco, ME

Glenn Horner | State Street | Boston, MA

Thomas Kinnally | Morgan Stanley | New York, NY

Gregory J. Lyons | Debevoise & Plimpton LLP | New York, NY

Patrick McDermott | Union Bank | Brea, CA

Murray McIntosh | CIBC, Toronto | Ontario, Canada

Tamela Merriweather | Northern Trust | Chicago, IL

Gregory G. Montana | FIS-Fidelity Information Services | Jacksonville, FL

Paul Nasman | Federal Reserve Bank of San Francisco | San Francisco, CA

Andrew M. Niemer | Boston Private Bank & Trust Co | Bellevue, WA

Scott Olson | State Street | Boston, MA

Richard J. Parsons | Charlotte, NC

Rona Pocker | Turnaround Management | New York, NY

Judith Polzer | J. P. Morgan | New York, NY

Deborah A. Ramsey | First Citizens Bank & Trust Co | Denver, CO

Lissette Rivera-Pauley | Bank of America | Atlanta, GA

Wynne Rumpletin | State Street | Boston, MA

Anthony Schiavo | Morgan Stanley | New York, NY

Todd M. Smalley | Legacy Bank | Wichita, KS

Ron H. Steele | Washington Trust Bank | Spokane, WA

Martin J. Strischek | SunTrust Banks Inc. | Atlanta, GA

Kathleen S. Swift | Capital Pacifi c Bank | Portland, OR

Jeff Tarr | Frost Bank | Bellaire, TX

Mary Jo Taylor | Capital Funding, LLC | Baltimore, MD

Mark Trivedi | J. P. Morgan | New York, NY

M. Ali Wilkinson | Zions First National Bank | Salt Lake City, UT

2011-12 RMA STAR AWARD PROGRAM (Cont.)