THE STURM FINANCIAL GROUP, INC. (DBA ANB BANK) BANKING OFFICER-KANSAS REGION POSITION SPECIFICATIONS

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1 EFL Associates Metropoint South Ulster Street, Suite 900 Denver, CO Phone: THE STURM FINANCIAL GROUP, INC. (DBA ANB BANK) BANKING OFFICER-KANSAS REGION POSITION SPECIFICATIONS CLIENT Our client, the Sturm Financial Group Inc. ( SFG ), headquartered in Denver, Colorado is privately held community banking organization and the parent company of ANB Bank. The banking group maintains financial strength embodied in $2.6 billion in assets and has over 30 full-service ANB Banking Centers in Kansas City metro area, Colorado and Wyoming. The Banking Centers proudly offer an exceptional level of personalized service delivered by an experienced, dedicated and responsive team of local bankers. The Bank offers customizable banking products and enhanced technology to make life easier. A full line of financial services is offered for business and personal needs, including online and mobile banking, cash management, investment management and trust, and loans for commercial, small business, and consumer needs. The Bank is also a member of the most prominent local and national ATM network, MoneyPass, to provide additional convenience. Within ANB Bank, there is a wholly-owned subsidiary, Community First Data Services, located in Cheyenne, Wyoming providing mainframe processing and network services for ANB as well as other non-affiliated banks. The Kansas Region operations are centered in Lenexa, Kansas, a suburb of Kansas City. The Region represents approximately $170M in deposits and operates two area branch locations. Ownership As primary shareholders of SFG, Donald and Susan Sturm have a commitment to excellence in all endeavors and a desire to leave the world a better place than they found it. These are just two of the attributes that have propelled them to leadership in both the business world and in the communities they serve. Don, Chairman of SFG, grew up in Brooklyn, NY and holds B.A., L.L.B., and L.L.M. (Taxation) degrees. Early professional pursuits include being a trial attorney with the IRS

2 Page 2 for 4 years and a 28 year career with Peter Kiewit Sons, Inc. of Omaha, Nebraska where he attained the position of Vice Chairman. Sue serves as Vice-Chair and Chief Financial Officer of SFG. As the daughter of a Foreign Service officer, Sue s childhood took her to many places across this country and overseas. She graduated magna cum laude from Princeton University with a degree in Economics, then accepted an appointment at the U.S. Senate as a Congressional Fellow and later studied economics at Oxford University. Her career includes employment with Booz, Allen & Hamilton, Inc., an international management consulting firm, as well as the U.S. Government. The Sturms moved to Denver in In addition to the 3-state banking operations, SFG endeavors also include a wealth management practice and real estate activities including land development, commercial ownership and management. The Sturms share a belief in the importance of giving back to the community and both serve numerous volunteer organizations. They have invested approximately $30 million in Denver University s Sturm Hall, the Sturm College of Law, and numerous other initiatives to enhance the quality of teaching and learning at the University. They have funded efforts to expand educational opportunities for low-income children including the start-up of approximately a dozen charter schools; and are the Corporate Bank Sponsorship of the Jewish Center of Greater Kansas City. In the area of affordable housing, they have provided capital for the development of revolving loan funds to assist low-income households with children to achieve the American dream of home ownership. In addition, they have funded a wide range of civic and cultural activities across the bank s foot print including, public radio and television, as well as many others. Don is a Trustee of the University of Denver and serves on the boards of the Denver area council of the Boy Scouts of America and the Denver Art Museum Foundation. Sue is a member of the Trustees of Bravo! Vail Valley Music Festival. Together, they direct the philanthropic efforts of the Sturm Family Foundation. Koger Propst serves as President & CEO of SFG and ANB Bank. Koger joined SFG in 2011 and brings more than 30 years of experience in community banking with a focus on creating alignments that allow the Bank, its employees and its customers to achieve mutual goals. He leads the Bank with a firm belief in the power of independent banking and its ability to enhance lives and communities. For ANB s customers, that means truly getting to know their personal and business needs at the root level and delivering exceptional, personalized service and quality products that enhance their lives. Koger has spent his entire career with Colorado banks and remains active in the community by serving in board roles with a number of community organizations and leadership roles with state banking organizations. RJ Gildea has served as Kansas Regional President having joined ANB Bank in Prior to joining ANB, RJ worked for a large Colorado based privately held bank, serving in both their Colorado and Arizona markets. He is originally from Nebraska and currently serves as a Board of Director for the Catholic Education Foundation of Northeast Kansas, and is a member of the Finance Committee for Community Housing of Wyandotte County. For more information, please visit the website at

3 Page 3 RESPONSIBILITIES This is a new banking officer position created to accommodate growth the Kansas Market has and will continue to experience. The position reports directly to RJ Gildea. While it might be defensible to call this position a lender, at ANB Bank any officer position goes well beyond that. ANB Bank does not operate in a silo structure. Rather, the Bank embraces the full spectrum of what it means to be a community bank. As a Bank Officer, the successful candidate will serve both commercial and consumer clientele in originating, processing and serving the credit, depository, cash management and other banking needs of existing and new bank customers in the bank s Kansas Region. Other essential duties and responsibilities include: Maintains a current knowledge and compliance with Bank Secrecy Act (BSA) requirements. Serves the credit needs of customers and prospecting requiring plant visits; obtaining financial and other information; performing or coordinating credit analysis; making loan presentations and recommending approval to Bank Loan Committee where required; and negotiating terms and conditions such as rates, collateral, guarantees, loan agreements and other documentation. Applies ongoing administration and review of the credit until the ultimate collection, including on-going monitoring and grading of credit. Detects potential problems and applies techniques of problem loan administration. Although Loan Committee review may be required prior to approval of certain loans, a high degree of reliance is placed on the judgment of the loan officer. Regardless of the need for committee approval, the loan offer is fully responsible for the loan. Responsible for the daily management of a commercial loan portfolio, including, but not limited to, credit quality; compliance with the Bank s policies and procedures, and applicable laws and regulations; and management of past due loan status. Overall portfolio may include consumer credits as well. Acts as the relationship manager for assigned customers, ensuring customer satisfaction and the resolution of service problems for all Bank products. Expands customer base through networking and sales calling. Solicits business of non-borrowing customers as well as loan customers. Maintains product knowledge to generate credit, deposit and fee business. Participates in community involvement activities to enhance the Bank s visibility, image and reputation. Delivers quality of service as defined by department standards. Obtains National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of Develops proficiency in all banking operations to include, but not limited to, new account opening requirements, NGP, consumer and business accounts and services, Treasury Management accounts and services, and branch audit requirements. Assists with other bank operational functions as needed or directed.

4 Page 4 Seeks out opportunities to assist other lending officers with their in-process files and current portfolios. EDUCATION AND EXPERIENCE Bachelor s degree in business administration, finance or related discipline. Progressively responsible and multi-disciplinary experience in a customer-centric community banking organization with ideally 3 or more years in commercial lines lending, loan administration or credit analysis. Expertise to manage a loan portfolio of approximately $20+ million which may also include consumer loans. Well-developed skills in relationship management and prospect cultivation. Registration under the terms of the S.A.F.E. Act of 2008 with the National Mortgage Licensing System (NMLS). PERSONAL CHARACTERISTICS Exceptional interpersonal communications and customer service skills A solutions-focused, customer-centric orientation that brings creative problem solving skills to customer needs. Business acumen to analyze and interpret complex information. Ability to work jointly with different types of management teams. Presence to make effective and persuasive speeches and presentations on complex topics to senior management, boards, employees, and public groups. Ability to define problems, collects data, establish facts, and draw valid conclusions. Genuine a person with low ego needs but possessing the gravitas to build solid external relationships in business, nonprofit, civic and social circles to professionally represent the Bank. Embraces and thrives in an entrepreneurial environment. High energy and enthusiasm; a self-starter who is achievement oriented COMPENSATION SFG will provide a competitive compensation package, including base plus incentive compensation, designed to motivate and reward a top banking leader and will be determined based upon background, experience and skills. SFG also offers a generous benefit package including Medical, Dental, Vision, Flexible Spending Accounts, Shortterm Disability, Supplemental Life and AD&D Insurance, 401(k). NON-DISCRIMINATION Our client and EFL Associates firmly support the principle and philosophy of equal opportunity for all individuals, regardless of age, race, gender, creed, national origin, disability, veteran status or any other protected category pursuant to applicable federal, state or local law. APPLICATION PROCESS

5 Page 5 EFL Associates, an executive search firm, is assisting SFG with this important search. All calls and inquiries should be made through the search firm. Referrals and applications will be held in confidence. Review of applications will begin immediately and will continue until the position is filled. EFL ASSOCIATES 4600 South Ulster Street, Suite 900 Denver, CO Phone: Fax: Daniel J. Cummings, SVP & Managing Director dcummings@eflassociates.com Lauren McElderry, Research Associate lmcelderry@eflassociates.com