CLINT E.

WILLIAMS
1540 Wasatch Drive Ogden, UT 84403
801-475-7178 cw7f2f94@westpost.net

PROFESSIONAL BACKGROUND
Executive with deep turnaround experience with severely underperforming business
es, driving financial and operating initiatives and leading institutions at the
Senior Management level
I am a seasoned executive with in-depth experience managing severely underperfor
ming operations and, as turnaround agent and leader. I have motivated teams of p
rofessionals to deliver superior results under extreme competition and difficult
economic conditions. I have an exceptional track record innovating, designing a
nd driving operating initiatives to increase revenues while concurrently managin
g fixed and variable expenses. I have been a champion of talent with a passionat
e commitment to developing and motivating teams under stressful operating condit
ions. I have a strategic mindset and a proven ability to implement technological
systems and strategic solutions to improve operating performance, efficiencies
of scale and productivity; ultimately contributing to bottom line results and im
proving shareholder value.

CAREER ACCOMPLISHMENTS

CENTENNIAL BANK, Ogden, UT 2003 2010

As CEO, reported to the Board and managed all affairs of this Utah-based commerc
ial Bank; closed by FDIC in 2010
President and Chief Executive Officer; Board Director
Hired by the Board as turnaround agent for failing Utah-based bank; took over l
eadership role while bank was under regulatory cease and desist order
During tenure, achieved growth in assets of 133% to $205MM; ranked top 20 for h
ighest ROA for banks under $250MM
Under economic stress in Real Estate markets, bank was unable to sustain requir
ed capital levels to meet Regulatory standards
Provided leadership oversight for bank post-regulatory (FDIC) closure
Direct reports: 5 Number of employees: 55
TRANSPORTATION ALLIANCE BANK, Ogden, UT 1999 2003
Responsible for the operations and day-to-day management for this FDIC insured I
ndustrial Loan Company, reporting directly to the Board; Transportation Alliance
Bank is wholly- owned by Flying J., Inc.
President and Chief Operating Officer, Board Director
Established new Industrial Loan Company startup for Flying J, Inc., parent comp
any of Transportation Alliance
Successfully grew bank assets to $110MM in under 4 years; realized profitabilit
y within 17 months of tenure, representing 19-months ahead of forecasted profita
bility
Opened loan production office and established leasing and small business lendin
g divisions to generate incremental revenue
Direct reports: 4 Number of employees: 130
FIRST COMMERCE BANK, Logan, UT 1993 1998
As CEO, responsible for the operations and day-to-day management for this Utah-b
ased commercial bank; reported directly to the Board of Directors
President and Chief Executive Officer, Board Director
Successfully advanced growth in assets by 286% during 5-year tenure; increased
earnings from ROA of .32% to a 3-year average of 1.85%
 Led the opening of 2 new offices and new mortgage lending business; combined in
itiatives generated 25% of total revenues within 12 months of operations; ranked
top 20 for highest ROA for banks under $250MM
Increased bank stock value from $9.60 to $23.04 during 5-year tenure prior to t
he Bank being sold for a multiple of book to Bank of Utah (1998)
Direct reports: 4 Number of employees: 30
CLINT E. WILLIAMS cw7f2f94@westpost.net page 2

WASATCH BANK, Orem, UT 1988 1993

As CEO, responsible for the operations and day-to-day management for this Utah-b
ased commercial bank; reported directly to the Board of Directors; sold for a mu
ltiple of book to Zions First National Bank (1993)
Chief Executive Officer
Turnaround agent for failing bank; provided leadership oversight resulting in g
rowth in bank assets by 206% during 5-year tenure resulting in bringing organiza
tion to one of the highest performing banks in the nation
Opened new subsidiary operation introducing insurance and annuity business, res
ulting in successful operation generating 40% of total revenues within 7 months
of operation
Successfully turned around return on assets from -.72% to +2.32% and improved s
hareholder return on equity from -9.43% to +28.49% during 5-year tenure as CEO
Paid strict attention to operating productivity, with significant emphasis plac
ed on reducing overhead; efficiency ratio realized a dramatic decline from 102.6
4% to 55.95% during tenure
Direct reports: 4 Number of employees: 51
Other Positions Include:
Central Bank & Trust, progressed from internal auditor to operating and leadersh
ip positions including Senior Vice President and Chief Operating Officer
Zions First National Bank, hired initially as operations supervisor and progress
ed to regional leadership position in an operating capacity

KEY SKILLS AND ATTRIBUTES

Complex Problem Solving Turnaround Agent Monitoring
Motivating Under Stress Risk Management Developing Talent
Strategic Mindset Operating Efficiency Well-organized
Establishing Business Plans Motivating/Mentoring People Active Listener
Coordination Critical Thinking Negotiating

EDUCATION
UNIVERSITY OF WISCONSIN SCHOOL OF BANKING, Madison, WI 1985
Three Year Professional Certification in Banking Operations; organized under Ban
k Administration Institute (BAI)
BRIGHAM YOUNG UNIVERSITY, Provo, UT
Matriculated with intended major in English with intent to obtain pre-law underg
raduate degree

LEADERSHIP/COMMUNITY
Board Positions: Junior Achievement of Utah (Director and member)
Utah Bankers Association (Director and member; Legislative Committee, Convention
Committee, Security Committee member)
Bank Administration Institute, Central Utah Chapter (President, Board member an
d general member)
Utah Valley Community College (Advisory Board member, Presidents Business Adv
isory Board)
Community: Two-time guest lecturer, Brigham Young University Marriott School of
Business (2006 2007)
Served numerous times as principal representative to industry associations, gove
rnment agencies and business associations