TODD E.

BAKER FRANKLIN SQUARE, NY 11010 Cell (516) 835-5753 Home (516) 292-9516

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SUMMARY OF EXPERIENCE A credit trained, Banking executive with over twenty years experience with credit risk management, commercial and residential mortgage lending, asset management, CRA, and systems development with significant regulatory exposure. I am a self-motivated team player with proven abilities in management, training and communication, complex problem solving, credit policy formulation and adherence, and driven to succeed. Additional successes include single-family home development, multifaceted financial consulting assignments, and college level instruction. BUSINESS EXPERIENCE 2005 2011 NASSAU COUNTY DEPARTMENT OF ASSESSMENT Mineola, NY Real Property Tax Specialist Tax Specialist in the Certiorari Departments Small Claims Assessment Review (SCAR) division. Preparation of market valuations of properties to ensure equitable assessment. Court testimony at 6,000+ Small Claims Hearings in the resolution of disputed property assessments. BRIARCLIFFE COLLEGE Adjunct professor, Business Management Bethpage, NY

2003

1995-2002

AZIMUTH REALTY AND DEVELOPMENT CO. Lindenhurst, NY Principal General Partner of this Real Estate Development concern in the planning, acquisition, and construction of affordable residences located in Nassau County, N.Y. Successful development and sale of sixteen affordable single-family homes located in Target Areas of the Town of Hempstead, N.Y. Comprehensive interaction with governmental agencies in accordance with various successful Affordable Housing Corporation (N.Y.S.) and Dept. of Housing and Urban Development (C.D.B.G.) grant applications. Managed all phases of development, finance, construction, and the sale and delivery of completed product. 1997-1999 THE COMMUNITY PRESERVATION CORPORATION Syosset, NY Vice President, Director of Long Island Region Managed the operations of the Regional Lending Office for this major non-profit, affordable housing, Freddie Mac & FNMA DUS, lender with focus on CRA related projects. Instituted major outreach/marketing effort to Long Islands local governments and community development agencies and resurrected stagnant lending program. Originated mixed-use project utilizing LIHTC financing. Invited participant at Nassau Countys informational symposium Operation Downtown, 1999. Member of Long Island Associations (LIA) Real Estate and Development Committee. 1994-1995 RIVER BANK AMERICA New Rochelle, NY Director of Commercial Mortgage Originations Managed Commercial Loan Origination and Administration and the $300 million commercial real estate portfolio. Direct Report and Chairman of the Banks Credit Policy and CRA Committees. Revised Lending, Credit, Risk, and Appraisal Policies, and refocused lending objectives with emphasis on credit quality. Coordinated complete portfolio review targeting all credit and policy exceptions.

Page 2 TODD E. BAKER FRANKLIN SQUARE, NY 11010

Cell (516) 835-5753 Home (516) 292-9516

1991-1994

LINCOLN SAVINGS BANK, FSB New York, NY Managing Director of Real Estate Lending Managed the residential and commercial loan origination activities, and the Banks $650 million Commercial Real Estate portfolio. Functions included monthly reporting to the Board of Directors; frequent regulatory and customer contact; and management of the Quality Assurance and Credit Departments. Direct Report and member of the Banks CRA (chairman), Credit/Risk, Planning, Asset/Liability, Pricing and Reserve Committees. Rewrote credit, lending, and risk policies and procedures. Tripled commercial and residential mortgage originations of $140 million and $75 million respectively for 1993 after re-igniting the Banks lending program, exceeding budget projections. President of subsidiary (LRC) with $75 million nationwide commercial real estate portfolio, including the portfolio management and disposition of under performing assets. Recognized by The New York Cooperator as a Top Ten originator of underlying cooperative mortgages. 1990-1991 CHASE MANHATTAN BANK, N.A. New York, NY Real Estate Lending Division V.P. Team Leader, Business Banking Group Relationship manager responsible for portfolio management and commercial mortgage originations. Provided technical support to numerous divisions on existing and proposed credit facilities collateralized by real estate. Directed the consolidation of the Banks Long Island Lending office into N.Y.C. Headquarters. EUROPEAN AMERICAN BANK Uniondale, NY Vice President Lending Team Leader Responsible for three lenders and mentored the training of junior officers. Managed in excess of $500 million in credit facilities including construction loans on subdivisions, condominium developments, office buildings, shopping centers, etc. Negotiated, underwrote, and presented proposals for committee approval. Restructured troubled loans and negotiated the disposition of Bank-owned properties. RELIANCE FEDERAL SAVINGS & LOAN ASSOCIATION Garden City, NY Staff Appraiser Appraised $350 million of NY Metropolitan Area properties for underwriting purposes. Approved by F.N.M.A. and F.H.L.M.C. Inspected and analyzed out-of-state mortgage portfolios for investment.

1982-1989

1978-1982

EDUCATION Adelphi University, MBA Corporate Finance. State University of New York at Stony Brook, B.A. Political Science & Managerial Economics. Licensed N.Y.S. Real Estate Broker Member International Council of Shopping Centers 2010 I.C.S.C. Certificate - Debt Workout, Transactions & Repositioning of Distressed Assets Familiar with Argus, Excel, Word, and sundry data base applications