LARRY A.

SHAPIRO

1216 Ashland Avenue Home: (708) 754-1103

Chicago Heights, IL 60411 Mobile: (708) 552-7350

FINANCIAL MANAGEMENT
Commercial and Real Estate Lending
Business Development
Senior Banking Officer thoroughly experienced in all phases of lending inclusive
of commercial, real estate and consumer. Acquired knowledge and experience in
all phases of lending procedures and documentation.

EXPERIENCE
Old Second National Bank Feb. 2002- Mar. 2009
Aurora, Illinois
An Aurora, Illinois based national bank comprised of 35 banking facilities with
total assets of three billion dollars. On February 13, 2008, Old Second consumma
ted the purchase of the Heritage Bank group that consisted of five branches with
assets over 350 million.
Vice-President
Business Banking
Initially joined Heritage Bank, a south suburban Chicago community ESOP bank, in
February 2002 as Vice President of commercial lending with the primary function
being new business development. During the course of employment from February 2
002 through February 2008 grew individual portfolio to over $35MM in loans and $
23MM in core deposit relationships. Client size ranged from less than $500M in a
nnual sales to over $1.5 B in sales with relationship banking being the focus in
lieu of transactional dealings. In February 2008 the acquisition of Heritage Ba
nk was completed by Old Second National Bank with the major factor of purchase b
eing the south suburban locations and complimented by the pristine loan portfoli
o. Continued with Old Second until March 2009 at which time I was released due t
o the banks desire to reduce expenses including employee reduction due to global
economic slowdown.
Accomplishments:
Managed and maintained $35MM loan portfolio and $23MM depository portfolio thru
past customer base, referrals and networking.
Participated in the opening of New Lenox facility with growth and income levels
surpassing expectations.
Charter One Bank
Cleveland, Ohio
Jan. 1998- Feb. 2002
Initially joined corporation as President of Beverly National Bank Matteson that
also included the Beverly Bank Homewood and Beverly Bank Richton Park facilitie
s with total bank assets over $500MM. Primary function was new business developm
ent in conjunction with retention and maintenance of current customer base on bo
th the depository and loan sides. After merger with St. Paul Bancorp in July 19
98, job title changed to Vice-President/Director of Business Banking with simila
r responsibilities as previously stated. Responsibility of other facilities als
o includes the North Ave(main bank), Oak Park, Berwyn, Franklin Park, Berkeley a
nd Westchester. After merger with Charter One in mid 1999 job description was c
hanged to Corporate Banking seeking middle market clientele while managing $60 m
illion portfolio. In August 2001 was offered and accepted position as Vice Pres
ident Business Banking covering the south suburban marketplace. This division wa
s opened in October 2001.

SOUTHWEST FINANCIAL BANK AND TRUST COMPANY Feb.1993-Oct. 1997

Chicago, Illinois
Southwest Financial Bank and Trust Company was a five facility south suburban Ba
nking Corporation employing 115. The assets of the corporation exceeded $225MM
with $127MM in loans. Bank was originally known as Evergreen Plaza Bank until 1
990 when this corporation was founded. In October 1997, the Bank was sold to Su
burban Bank of Elmhurst who merged all facilities into a new group now know as S
uburban Bank and Trust. Due to duplication of job descriptions, employment was
ended upon completion of sale.
VICE PRESIDENT/LENDING
When first employed by Southwest Financial main focus was the workout of problem
commercial loans plus the origination of new loans while maintaining/ managing
the current loan base. Due to knowledge and experience elevated to Senior Lender
to oversee all lending functions. Reported directly to President and Chairman
of the Board.
PREVIOUS BANKING EXPERIENCE
First Mortgage Corporation 1991-1993
LaSalle Bank Matteson (River Oaks Facility) 1985-1991
First State Bank of Alsip, Vice President 1977-1985
Alsip Bank and Trust Company, Asst. Vice President 1973-1977
EDUCATION / MILITARY SERVICE
B.A. Business Administration. Governors State University, University Park, IL
1973
Professional competencies maintained through participation in various courses of
fered by the American Institute of Banking, Chicago, IL.
Illinois Air National Guard. 1967-1973