Experience

Gulf Coast Small Business Lending

• United States
• Banking
• 1 - 100 Employee

• VP Sr. Underwriter

  • Jan 2021 - Present

• VP Underwriter

  • Jun 2019 - Jan 2021

  SBA VP Underwriter at Gulf Coast Small Business Lending, focusing on emerging franchises and restaurants.



The Bancorp

• United States
• Banking
• 500 - 600 Employee

• AVP Credit Officer II

  • Nov 2016 - Jun 2018

  Assessed and mitigated business risk for small business applicants seeking financing through the Small Business Administration loan program. These products included term loans, partner loans with other institutions and lines of credit. I also trained and assisted other analysts and sales team members on loan structuring to efficiently balance risk between the client and bank while remaining competitive. Assessed and mitigated business risk for small business applicants seeking financing through the Small Business Administration loan program. These products included term loans, partner loans with other institutions and lines of credit. I also trained and assisted other analysts and sales team members on loan structuring to efficiently balance risk between the client and bank while remaining competitive.



Gold Coast Bank

• Banking
• 1 - 100 Employee

• Senior Credit Analyst

  • Apr 2016 - Nov 2016

  Underwrote conventional real estate transactions (purchases, refinances, ground up construction and renovation). Creatively structured both temporary and conforming loans to design a custom financing road map for customers, leading them to long-term fixed financing no matter their starting point. Maintained communication with prospects and existing clients through all steps and phases of their transactions. Regularly communicated with attorneys, CPAs, vendors, etc. Underwrote conventional real estate transactions (purchases, refinances, ground up construction and renovation). Creatively structured both temporary and conforming loans to design a custom financing road map for customers, leading them to long-term fixed financing no matter their starting point. Maintained communication with prospects and existing clients through all steps and phases of their transactions. Regularly communicated with attorneys, CPAs, vendors, etc.



Ridgestone Bank

• Banking
• 1 - 100 Employee

• Credit Analyst

  • Nov 2014 - Apr 2016

  Underwrote SBA commercial loan products such as 7a, 504 and CAPLines. Responsibilities included creating loan structures that adequately balanced risk between borrower and lender, writing loan presentations, training junior analysts and creating data tables to monitor different loan types and exposure. I also regularly communicated with business owners, attorneys, CPAs, vendors, investors, etc throughout my time there. Underwrote SBA commercial loan products such as 7a, 504 and CAPLines. Responsibilities included creating loan structures that adequately balanced risk between borrower and lender, writing loan presentations, training junior analysts and creating data tables to monitor different loan types and exposure. I also regularly communicated with business owners, attorneys, CPAs, vendors, investors, etc throughout my time there.



First Capital Bank a division of First Colorado National Bank

• Banking
• 1 - 100 Employee

• Junior Credit Analyst

  • Sep 2011 - Nov 2014

  SBA credit analyst/underwriter responsible for analyzing and writing appr. 40 closed 7(a) loans to date totaling just north of $25MM in loan proceeds for a top SBA 7(a) volume producer in Illinois. Small production office (<10 employees) that averaged appr. $25-30MM in closed loans per year servicing downtown and suburban Chicago, Southern Wisconsin, Indiana and Iowa. Projects: Commercial real estate acquisition, CRE refinance, business acquisition, partner buy-out, build… Show more SBA credit analyst/underwriter responsible for analyzing and writing appr. 40 closed 7(a) loans to date totaling just north of $25MM in loan proceeds for a top SBA 7(a) volume producer in Illinois. Small production office (<10 employees) that averaged appr. $25-30MM in closed loans per year servicing downtown and suburban Chicago, Southern Wisconsin, Indiana and Iowa. Projects: Commercial real estate acquisition, CRE refinance, business acquisition, partner buy-out, build out/improvements and new business start ups. Industries: Special-use properties such as gas station/c-stores and hotel/motels as well as liquor stores, limited and full-service restaurants including many franchises, C&I and medical professionals. Show less SBA credit analyst/underwriter responsible for analyzing and writing appr. 40 closed 7(a) loans to date totaling just north of $25MM in loan proceeds for a top SBA 7(a) volume producer in Illinois. Small production office (<10 employees) that averaged appr. $25-30MM in closed loans per year servicing downtown and suburban Chicago, Southern Wisconsin, Indiana and Iowa. Projects: Commercial real estate acquisition, CRE refinance, business acquisition, partner buy-out, build… Show more SBA credit analyst/underwriter responsible for analyzing and writing appr. 40 closed 7(a) loans to date totaling just north of $25MM in loan proceeds for a top SBA 7(a) volume producer in Illinois. Small production office (<10 employees) that averaged appr. $25-30MM in closed loans per year servicing downtown and suburban Chicago, Southern Wisconsin, Indiana and Iowa. Projects: Commercial real estate acquisition, CRE refinance, business acquisition, partner buy-out, build out/improvements and new business start ups. Industries: Special-use properties such as gas station/c-stores and hotel/motels as well as liquor stores, limited and full-service restaurants including many franchises, C&I and medical professionals. Show less



First Community Bank

• Banking
• 1 - 100 Employee

• Teller

  • Aug 2005 - Jan 2008

  Performed teller transactions such as deposits, withdrawals, issued cashier's checks and money orders. Handled large quantities of cash while keeping a strictly balanced drawer. Balanced, refilled and trouble shot branch ATM machines. Assisted in developing an Access database for new-product implementation. Performed teller transactions such as deposits, withdrawals, issued cashier's checks and money orders. Handled large quantities of cash while keeping a strictly balanced drawer. Balanced, refilled and trouble shot branch ATM machines. Assisted in developing an Access database for new-product implementation.