Experience

Torrey Pines Bank

• United States
• Banking
• 100 - 200 Employee

• VP Commercial Underwriter III

  • Dec 2019 - Present

  Works closely with Relationship Managers by preparing “pre-screens” for new transactions to be presented to the appropriate Credit Administration Approval Authority. Prepares loan presentations, including full credit & financial analysis for a full underwriting of both new prospective credit requests, as well as renewing existing credit facilities. Manages a portfolio and provides support to RMs from three offices located in Costa Mesa, Downtown Los Angeles, and Beverly Hills. Prepares Administrative Action Memorandums to address various credit items, from requesting maturity extensions, requesting covenant waivers, providing updated information material to the credit facility, and other items. Maintains responsibility to actively monitor and service a portfolio of loans, and prepared risk rating upgrades and downgrades as necessary. Types of credit facility transactions that I have worked on include, Interim Construction Loans, Bridge Financing, Owner Occupied CRE, Investor CRE, C&I Working Capital Loans, Asset Based Lending/Formula Based Lending, Capital Finance, Levered Lending , Acquisition Financing, Standby & Commercial Letters of Credit. One of the most important responsibilities is to ensure there is a fair balance between providing excellent customer service while acknowledging my priority leans towards protecting the Bank and its assets from unmitigated risks through careful structuring, thorough underwriting, careful credit analysis, and active portfolio monitoring, as my fiduciary duties to the Bank and its shareholders are of top priority. Show less



Commercial Bank of California

• United States
• Banking
• 100 - 200 Employee

• Senior Vice President - Sr. Portfolio Manager

  • Aug 2016 - Jul 2019

  • Maintains, monitors, and acts as primary contact for existing portfolio relationships consisting of CRE, Construction CRE, C&I Working Capital (unsecured and ABL), and Syndicated Loans (including LBO transactions). • Performs all aspects of credit analysis, due diligence, underwriting, and execution of loan documents and amendments for existing relationships as well as new Borrowers to the Bank. • Works closely with the Bank's Payment Solutions Division for the credit analysis and background reviews of new and existing relationships. Show less



Capital Partners Services

• Carlsbad, CA

• Senior Director of Credit Risk and Recoveries

  • Feb 2014 - May 2016

  • Provides Management supervision of the Credit and Collections Department for two (2) teams totaling 12 total individuals; the Credit Team consists of Credit Analysts and the Collections Team consists of a Director of Collections, Collections Analysts, and a Research Analyst; • Revised and updated Underwriting Guidelines for client boarding; • Modified and put into effect: Standard Operating Procedures for both Credit and Collections Departments; • Participates in Portfolio Reviews, identifies and tags higher risk items as placements on our "Watchlist," and works with Operations on Workouts (from beginning to resolution) • Provides Financial Training to Credit Analysts and Account Executives Show less



Popular

• United States
• Banking
• 700 & Above Employee

• Portfolio Manager

  • Apr 2013 - Jan 2014

  • Primary responsibilities are to engage prospects with Relationship Managers and quickly ensure all information is received, analyzed, and underwritten so that a loan proposal can be presented to credit administration. • Other responsibilities lie within all aspects of maintaining a customers’ relationship: IE, from line advance requests, to completing underwriting of renewals and increases, calculating and recasting of existing deals, creating loan amendments ad following up with documentation executions, monthly monitoring of financial statements, financial position, ABL collateral coverage and covenant tracking. Show less



J-Tek Corporation

• Leasing Non-residential Real Estate

• Managing Director VP Finance

  • Sep 2009 - Feb 2013

  Responsibilities include reviewing prospective deals and making recommendations based on financial analysis Maintains direct contact with private equity sources and reports status updates directly to J-Tek's CFO and CEO. Works alongside upper-level management in all aspects of planning processes involved with current investment projects. Responsibilities include reviewing prospective deals and making recommendations based on financial analysis Maintains direct contact with private equity sources and reports status updates directly to J-Tek's CFO and CEO. Works alongside upper-level management in all aspects of planning processes involved with current investment projects.



Citi Orient Securities

• China
• Investment Banking
• 1 - 100 Employee

• Consultant from J-Tek

  • Jun 2012 - Jan 2013

  Offered consulting perspectives on deal structuring, IPO underwriting, contract structures and negotiations under a strategic partnership with J-Tek Corporation. Additionally, performed valuations of companies in the process of undergoing an IPO. Offered consulting perspectives on deal structuring, IPO underwriting, contract structures and negotiations under a strategic partnership with J-Tek Corporation. Additionally, performed valuations of companies in the process of undergoing an IPO.



Pingshow, Inc.

• Beijing

• Director of Marketing - Consultant with J-Tek

  • Jun 2011 - Sep 2011

  Worked in association with senior management and various company partnerships under J-Tek Corporation's portfolio of investments to bring a new social networking product to market. The Xingfafa application for Android APK and Apple IOS have successfully been released to the public. Worked in association with senior management and various company partnerships under J-Tek Corporation's portfolio of investments to bring a new social networking product to market. The Xingfafa application for Android APK and Apple IOS have successfully been released to the public.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Associate and Relationship Manager

  • Dec 2007 - Sep 2009

  Managed an Asset Based Lending portfolio of 19 accounts (loans totaling ~ $900MM Wachovia portion) Responsibilities included analyzing and writing Executive Credit Summaries to be presented to Regional Portfolio Managers. Worked closely with collateral analysts in reviewing each Borrower's collateral and loan status on a day-to-day basis. Reviewed Field Examinations and Appraisals to make necessary recommendations / adjustments for advance rates against collateral. Assessed risk exposure based on Companies' Financial Performance against their liquidity positions. Maintained contact with Borrowers' Executive Management teams for cross-sell opportunities. Created and worked with RAROC models to make credit recommendations. Show less



Pacific Mercantile Bank

• United States
• Banking
• 100 - 200 Employee

• Credit Analyst and Commercial Banking Officer

  • Sep 2006 - Jun 2007

  Performed commercial underwriting projects and presented full loan requests to Directors' Loan Committee. Spread and analyzed financial statements; identified trends that were used to underwrite risk mitigation. Worked extensively with commercial loan officers from origination to loan boarding, as well as maintenance of customer's accounts. Performed commercial underwriting projects and presented full loan requests to Directors' Loan Committee. Spread and analyzed financial statements; identified trends that were used to underwrite risk mitigation. Worked extensively with commercial loan officers from origination to loan boarding, as well as maintenance of customer's accounts.



Union Bank

• United States
• Banking
• 700 & Above Employee

• Credit Associate II

  • Aug 2005 - Sep 2006

  Was recruited and trained through Union Bank's Commercial Credit Training/Management Training Program. Worked with a team of credit associates and helped train new hires in day to day analytical tasks. Assisted Credit Executives with commercial underwriting of credit requests. Spread company financials and used financial data in analysis of commercial underwriting. Monitored company accounts receivable and payable agings for Borrowing Base Calculations and trends on Asset Based Lending Deals. Show less