Experience

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  Bank OZK

  • Clearwater, FL

  • EVP/Regional Government Guaranteed Lending Specialist

    • Dec 2017 - Present
    • Clearwater, FL

    Providing lending guidance and SBA expertise to our Florida team and small businesses through-out the state, making dreams happen one loan at a time. As a PLP preferred lender, our experienced SBA team and I are here to guide you efficiently through the process from application to closing.

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  NorthStar Bank

  • Tampa/St. Petersburg, Florida Area

  • SVP/SBA Division Manager

    • Mar 2015 - Nov 2017
    • Tampa/St. Petersburg, Florida Area

    Responsible for directing and leading the bank's SBA/governmental lending division. The bank is poised for growth and we're aggressively soliciting new clients for 7a, 504 and USDA guaranteed loans. We offer competitive financing options for the acquisition of owner-occupied real estate, improved, expansion or for new construction, partner buyouts, equipment, franchise start-ups, and debt refinancing not otherwise attainable without the benefit of an SBA or USDA guaranty. Benefit of an SBA or USDA loan includes lower up-front equity injection, extended loan maturities with no balloon payments or prepayment penalties on loans with maturities less than 15 years.

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  Harrison Consulting Services

  • Tampa/St. Petersburg, Florida Area

  • Owner/Operator

    • Jan 2010 - Mar 2015
    • Tampa/St. Petersburg, Florida Area

    Consulting services tailored to small businesses to achieve balance sheet improvement in preparation of new financing, debt re-organization, or negotiations with existing lenders.

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  HomeBanc NA

  • Tampa/St. Petersburg, Florida Area

  • Senior Credit Analyst

    • May 2014 - Jan 2015
    • Tampa/St. Petersburg, Florida Area

    Underwriting and financial analysis of SBA 7A, USDA and conventional loans, adhering to the bank's internal and SOP policy. Engage all due diligence of assigned credits, as well as, assist routinely the closing department to increase monthly closed loan volume of both SBA and conventional loans, improving the turnaround of secondary market sales of 7A and USDA loans.

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  Newtek Business Services

  • Tele-commuter

  • Vice President/Senior Commercial Underwriter

    • Nov 2010 - May 2014
    • Tele-commuter

    Perform commercial loan underwriting, financial and industry trend analysis for new SBA 7A and 504 loans, with recommendations to senior management and credit committee. Participate with loan processing team members and loan officers to oversee all terms and conditions of approval are satisfactorily met, ensuring a timely closing. Responsible for all appraisal reviews and facilitated modifications as needed post-approval.

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  Premier Designs

  • Tampa/St. Petersburg, Florida Area

  • Independent Distributor

    • Sep 2010 - Dec 2013
    • Tampa/St. Petersburg, Florida Area

    Offering high quality fashion jewelry through personal home shows, corporate, chamber and vendor events.

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  LPS Capital Markets

  • Tele-commuter

  • Contract Underwriter

    • Mar 2010 - Nov 2010
    • Tele-commuter

    Post-closing loan review and QC due diligence to facilitate the pre-litigation of title claims averaging between $1MM and $10MM. Financial and loan documentation analysis to aide in the collection of NPA's in pre-foreclosure phase. Positive rebuttal analysis for Freddie Mac and Fannie Mae to negate re-purchase demands.

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  Chameleon Custom Solutions

  • Tampa/St. Petersburg, Florida Area

  • Account Executive

    • Jan 2010 - Apr 2010
    • Tampa/St. Petersburg, Florida Area

    Forging new business relationships and developing custom marketing solutions through strategic and personalized design, print, web, mail, and fulfillment in a cost effective manner.

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  Pilot Bank

  • Tampa/St. Petersburg, Florida Area

  • Vice President/Commercial Loan Officer

    • Oct 2007 - Jun 2009
    • Tampa/St. Petersburg, Florida Area

    Managed a $70+MM loan portfolio to include collections, financial monitoring, loan restructures, renewals and initial legal actions. Completed financial risk analysis and underwriting for all new and renewed loans. Developed an SBA Lending Program to conservatively grow the bank's C&I lending, while simultaneously reducing the bank's high concentration in commercial real estate.Oversee the preparation of all new and renewed loans internally or direct with legal counsel adhering to all compliance laws and to ensure perfection of all collateral while adhering to all bank policies and conditions as set forth in the Loan Authorization.

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  Superior Bank

  • Tampa/St. Petersburg, Florida Area

  • Vice President/Commercial Loan Officer

    • Feb 2007 - Oct 2007
    • Tampa/St. Petersburg, Florida Area

    Managed a $45+MM loan portfolio to include collections, financial monitoring, loan restructures and renewals. Increase loan outstandings by expanding existing customer relationships and the addition of new customers. Completed all financial risk analysis and underwriting of new and renewed loans that adhere to loan policy.

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  First Community Bank of America

  • Tampa/St. Petersburg, Florida Area

  • Vice President/Commercial Loan Officer

    • Mar 2005 - Dec 2006
    • Tampa/St. Petersburg, Florida Area

    Commercial Loan Officer in the bank's Largo office responsible for loan production, deposit gathering, recognizing opportunities for sale of lockbox services and 1031 exchange services to increase bank's non interest income. Performed quarterly risk analysis on all sub standard portfolio loans, providing equitable work-out solutions and direct oversight of borrower's compliance. Monthly administration of dealer portfolio loans to include funding, collateral exchanges, deposit reserve and ratio/covenant monitoring.

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  Fifth Third Bank (First National Bank of Florida)

  • Tampa/St. Petersburg, Florida Area

  • Vice President/Commercial Loan Officer

    • Mar 1997 - Mar 2005
    • Tampa/St. Petersburg, Florida Area

    Responsible for the management of a $50+MM loan portfolio to include collections, financial/covenant monitoring, loan restructures, renewals and initial legal actions. Increase loan outstandings by expanding existing customer relationships and development of new relationships. Structured all credit requests and completed preliminary financial analysis in advance of submission to credit department. Oversight of the preparation of all new and renewed loans internally through centralized documentation department or with bank's counsel, adhering to bank policies, conditions set forth in loan approval and proper perfection of collateral. Increased deposit accounts and recognized opportunity for sale of treasury management, investment, life insurance services, residential mortgages, factoring and third party equipment financing. Initially served as Loan Administration Officer, managing the centralized documentation team for preparation of all consumer, commercial and real estate in-house documentation for 6 branch offices. Prepared all in-house documentation utilizing LaserPro and directly negotiated all attorney prepared documentation to adhere to policy and all compliance laws. Performed all pre/post closing loan review, tracking of policy exceptions and preparation of lending department board reports. Managed the LaserPro program as administrator building all policies and standard loan products and performing all system updates and modifications as needed with changes in compliance laws and/or Loan Policy revisions.Served as Branch Manger for two years with a staff of 7, increasing deposits by 44%, improving deposit mix to reduce interest expense, managed a $25MM consumer and small commercial loan portfolio and had new loan production of more than $15MM.

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  Barnett Bank

  • Tampa/St. Petersburg, Florida Area

  • Commercial/SBA Loan Closer

    • Feb 1990 - Nov 1997
    • Tampa/St. Petersburg, Florida Area

    Processed all approved C&I, CRE and SBA loans, clearing all necessary due diligence and conditions of the loan for closing. Responsible for preparation of in-house loan documentation or the negotiation of documents prepared by outside counsel.