THOMAS MICHAEL BUTTS 2627 Bitterroot Place, Highlands Ranch, CO 80129 tb139f428@westpost.

net (303) 549-6958 SUMMARY: Accumulated excellent ANALYTICAL, CUSTOMER SERVICE AND PROBLEM SOLVING SKILLS through 11+ years of loan origination, financial analysis and modeling. Software experience: Excel, Word, Access, Powerpoint, @Risk, Calyx Point, Oracle, Oracle Financials, Crystal Ball, Research Insight, ACT!, Quickbooks, Brio, database management, and project management. EDUCATION: _University of Colorado at Denver_ MBAMS IN FINANCE _Metropolitan State College of Denver_ BACHELOR OF SCIENCE DEGREE IN FINANCE with an emphasis in REAL ESTATE and investments ACCOMPLISHMENTS: * NATIONAL TOP PRODUCING MORTGAGE BROKER-BROKER MAGAZINE JUNE 2007 * NATIONAL TOP PRODUCING MORTGAGE BROKER-ORIGINATION NEWS JUNE 2010 * Gold Star Awarded from the Denver BBB 2005-2010 * MICROSOFT CERTIFIED EXCEL EXPERT * Inactive Real Estate license for the state of Colorado RESIDENTIAL: MORTGAGE LOAN ORIGINATOR, Anthem Mortgage, Highlands Ranch, CO. Mar 2003-Present * Originate FNMA, Freddie, VA and FHA loans through strategic business alliances with Realtors, CPAs & online sources * Analyze loan programs to comply with state and federal regulations on fair lending practices * Originated $35.45 Million in 2009 in a down market, $23.7 Million in 2008 * PRE-UNDERWRITE FILES ACCORDING TO FNMA, FREDDIE MAC, VA AND HUD GUIDELINES PRIOR TO SUBMISSION * Ability to work independently to achieve employer and personal goals Avg * Loan size-$293K, Largest Loan size-$745K, Avg Volume for 2

Years-$31.7 Mil, Avg units past 2 years 118 SENIOR LOAN OFFICER, Camelot Mortgage Group, Inc. Denver, CO. Jul 2002-Mar 2003 * Originated loans through inside and outside sales via different media types * Averaged 20 loans over a 3-month period without referrals * Averaged over $2Mil for 3 consecutive months, Oct 2002 amounting to over 2.7 million in production FINANCIAL ANALYST III, Pinnacol Assurance Denver, CO. Feb 2001 a" Jul 2002 * Provide P&L analysis to Business Groups, Capital Budget planning, Financial Management & Financial Modeling * Partnered with Technology dept to maintain debt levels to 1.2% of revenues, proved to be best over a 3 year period * Conduct trend & variance analysis, corporate finance with strategic planning assistance to teams across company * Develop and present quarterly reports and Assist VPs with developing yearly team goals * Provided Financial Statement Analysis explanation to NON-Finance personnel and ensured understanding PROJECT MANAGER-FINANCIAL RESEARCH, Standard & Pooras Englewood, CO. Sept 1999- Feb 2001 * Serve as data expert for company, employees, clients and upper management * Provide expertise regarding corporate financial reporting practices and internal policies and procedures * Interpret and analyze ambiguous, nebulous financial presentations and devise optimal explanations LEAD SENIOR FINANCIAL ANALYST, Standard & Pooras Englewood, CO. July 1996-March 1999 * Manage, coordinate, and prioritize duties for self and team of 18 subordinates * Analyzed public companies, cross-referenced annual notes to Income Statement, Cash Flow, and Balance Sheet COMMERCIAL AND OTHER: * Formal commercial credit analysis training with VectraBank between Standard and Pooras positions * Additional part-time loan origination experience Dec 1999-July 2002 for Camelot Mortgage

PERSONAL: VOLUNTEER FOR HABITAT FOR HUMANITY 1996-2007. INTERESTS INCLUDE NEGOTIATING, FINANCE, AND SPORTS.