Charles Ramsey
Vice President Manager Special Assets Group at Plumas Bank- Claim this Profile
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Bio
Dee Dee Rydberg
In April '12 my employer returned from vacation advising me that he wanted to retire from printing to pursue his passion for photography. I began exploring options available for a business loan. I did not need much but at that time I had some strikes against me. That's when I met Chuck Ramsey. He was referred to me by our local bank manager. I explained my needs, my desire to stay here to help our local community. Chuck "took me by the hand" and guided me through the wide financial abyss to find the perfect loan to fill my needs. Without his guidance I know that due to my financial situation I would have given up. It was a long journey but 6 months later I am a business owner, pursuing my 30+ year career and making it all come to fruition. Thank YOU Chuck for your expert advice and guidance!! I could not have done this without YOU! Dee Dee Rydberg, Owner Dee Dee's Guerneville Graphics and Printing 16442 Main Street Guerneville, CA 95446
Martina Poole
Chuck is a highly organized professional with extensive knowledge of SBA lending. Both Chuck and I worked in remote loan production offices for Greater Bay Bank. I enjoyed discussing deals with Chuck as he was always able to provide additional insight into a deal based on his many years of experience as a lending professional. I highly recommend Chuck for any position that he pursues. He will be a valuable asset to any organization.
Dee Dee Rydberg
In April '12 my employer returned from vacation advising me that he wanted to retire from printing to pursue his passion for photography. I began exploring options available for a business loan. I did not need much but at that time I had some strikes against me. That's when I met Chuck Ramsey. He was referred to me by our local bank manager. I explained my needs, my desire to stay here to help our local community. Chuck "took me by the hand" and guided me through the wide financial abyss to find the perfect loan to fill my needs. Without his guidance I know that due to my financial situation I would have given up. It was a long journey but 6 months later I am a business owner, pursuing my 30+ year career and making it all come to fruition. Thank YOU Chuck for your expert advice and guidance!! I could not have done this without YOU! Dee Dee Rydberg, Owner Dee Dee's Guerneville Graphics and Printing 16442 Main Street Guerneville, CA 95446
Martina Poole
Chuck is a highly organized professional with extensive knowledge of SBA lending. Both Chuck and I worked in remote loan production offices for Greater Bay Bank. I enjoyed discussing deals with Chuck as he was always able to provide additional insight into a deal based on his many years of experience as a lending professional. I highly recommend Chuck for any position that he pursues. He will be a valuable asset to any organization.
Dee Dee Rydberg
In April '12 my employer returned from vacation advising me that he wanted to retire from printing to pursue his passion for photography. I began exploring options available for a business loan. I did not need much but at that time I had some strikes against me. That's when I met Chuck Ramsey. He was referred to me by our local bank manager. I explained my needs, my desire to stay here to help our local community. Chuck "took me by the hand" and guided me through the wide financial abyss to find the perfect loan to fill my needs. Without his guidance I know that due to my financial situation I would have given up. It was a long journey but 6 months later I am a business owner, pursuing my 30+ year career and making it all come to fruition. Thank YOU Chuck for your expert advice and guidance!! I could not have done this without YOU! Dee Dee Rydberg, Owner Dee Dee's Guerneville Graphics and Printing 16442 Main Street Guerneville, CA 95446
Martina Poole
Chuck is a highly organized professional with extensive knowledge of SBA lending. Both Chuck and I worked in remote loan production offices for Greater Bay Bank. I enjoyed discussing deals with Chuck as he was always able to provide additional insight into a deal based on his many years of experience as a lending professional. I highly recommend Chuck for any position that he pursues. He will be a valuable asset to any organization.
Dee Dee Rydberg
In April '12 my employer returned from vacation advising me that he wanted to retire from printing to pursue his passion for photography. I began exploring options available for a business loan. I did not need much but at that time I had some strikes against me. That's when I met Chuck Ramsey. He was referred to me by our local bank manager. I explained my needs, my desire to stay here to help our local community. Chuck "took me by the hand" and guided me through the wide financial abyss to find the perfect loan to fill my needs. Without his guidance I know that due to my financial situation I would have given up. It was a long journey but 6 months later I am a business owner, pursuing my 30+ year career and making it all come to fruition. Thank YOU Chuck for your expert advice and guidance!! I could not have done this without YOU! Dee Dee Rydberg, Owner Dee Dee's Guerneville Graphics and Printing 16442 Main Street Guerneville, CA 95446
Martina Poole
Chuck is a highly organized professional with extensive knowledge of SBA lending. Both Chuck and I worked in remote loan production offices for Greater Bay Bank. I enjoyed discussing deals with Chuck as he was always able to provide additional insight into a deal based on his many years of experience as a lending professional. I highly recommend Chuck for any position that he pursues. He will be a valuable asset to any organization.
Experience
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Plumas Bank
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United States
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Financial Services
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100 - 200 Employee
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Vice President Manager Special Assets Group
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Mar 2020 - Present
Responsible for managing bank's commercial special assets division to minimize loan losses to the bank. Responsible for managing bank's commercial special assets division to minimize loan losses to the bank.
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Zions Bancorporation
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United States
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Banking
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700 & Above Employee
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Vice President Loan Workout Officer
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Jun 2018 - Jan 2020
Provide resolutions to a diverse range of complex problem loans. Responsible for the workout of adversely graded loans through the restructuring of debt, negotiation of settlement agreements, pursuit of appropriate legal action and/or the liquidation of collateral. Advanced knowledge as a specialist of commercial/business lending, lending law, bankruptcy law and cash flow analysis. Provide resolutions to a diverse range of complex problem loans. Responsible for the workout of adversely graded loans through the restructuring of debt, negotiation of settlement agreements, pursuit of appropriate legal action and/or the liquidation of collateral. Advanced knowledge as a specialist of commercial/business lending, lending law, bankruptcy law and cash flow analysis.
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Chuck Ramsey Small Business Lending
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Greater SF Bay Area and Sacramento
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Small Business Credit Underwriting Manager SBA Lender Service Provider
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Dec 2010 - Jun 2018
Responsible for working with banking clients, small businesses, assisting with financials, underwriting and preparing credit memorandums, and loan submission packages. Liaison with small businesses, lending institutions, and government partners. Loans include SBA and conventional. Clients include Golden Pacific Bank Sacramento and Bay Commercial Bank Napa www.chuckramsey.net Responsible for working with banking clients, small businesses, assisting with financials, underwriting and preparing credit memorandums, and loan submission packages. Liaison with small businesses, lending institutions, and government partners. Loans include SBA and conventional. Clients include Golden Pacific Bank Sacramento and Bay Commercial Bank Napa www.chuckramsey.net
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Ygrene Energy Fund
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United States
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Financial Services
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100 - 200 Employee
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Internal Loan Auditor
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Sep 2016 - Jan 2018
Responsible for internal control and corporate governance concepts throughout the business. Execute operational, financial, and compliance audits. Identify opportunities for process improvements.Leverage insights and understanding of the company in identifying risks and potential areas for audit. Interface with external loan auditors. Responsible for internal control and corporate governance concepts throughout the business. Execute operational, financial, and compliance audits. Identify opportunities for process improvements.Leverage insights and understanding of the company in identifying risks and potential areas for audit. Interface with external loan auditors.
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Exchange Bank
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United States
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Banking
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300 - 400 Employee
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SBA Credit Analyst Underwriter
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Feb 2010 - Dec 2010
Responsible for underwriting SBA 7(a), 504, and conventional loans to ensure program eligibility, business viability, and repayment ability. Mentored junior credit officer. Responsible for underwriting SBA 7(a), 504, and conventional loans to ensure program eligibility, business viability, and repayment ability. Mentored junior credit officer.
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U.S. Small Business Administration
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United States
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Government Administration
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700 & Above Employee
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Loan Specialist Commercial
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Jun 2009 - Feb 2010
Responsible for reviewing Lender's Credit Memorandums and full submission packages for SBA 7(a) and ARC loan guaranty requests to ensure program eligibility, lender compliance, and repayment ability. GS-12 Responsible for reviewing Lender's Credit Memorandums and full submission packages for SBA 7(a) and ARC loan guaranty requests to ensure program eligibility, lender compliance, and repayment ability. GS-12
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First Community Bank
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United States
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Banking
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500 - 600 Employee
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Vice President- SBA Loan Officer
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Apr 2006 - May 2009
Responsible for credit analysis, approval/recommendation, monitoring credit quality, servicing, and liquidation for SBA loan portfolio. Credits also included conventional real estate, construction, term loans, and lines of credit. Mentored junior credit officer. Assisted bank in achieving #1 SBA lender ranking in the North Bay. Responsible for credit analysis, approval/recommendation, monitoring credit quality, servicing, and liquidation for SBA loan portfolio. Credits also included conventional real estate, construction, term loans, and lines of credit. Mentored junior credit officer. Assisted bank in achieving #1 SBA lender ranking in the North Bay.
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Vice President of Commercial Lending
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Mar 2005 - Mar 2006
Responsible for establishing and managing customer relationships, credit approval/recommendation, credit quality, documentation, servicing of commercial, real estate, and SBA loan portfolios. Designed and implemented a more proficient commercial underwriting spreadsheet. Initiated and obtained SBA Express and PLP authority status for the institution. Responsible for establishing and managing customer relationships, credit approval/recommendation, credit quality, documentation, servicing of commercial, real estate, and SBA loan portfolios. Designed and implemented a more proficient commercial underwriting spreadsheet. Initiated and obtained SBA Express and PLP authority status for the institution.
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Vice President and Senior Underwriter
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Jan 2004 - Mar 2005
Responsible for structuring, underwriting, and documenting SBA 7(a), 504, conventional loans. Responsible for structuring, underwriting, and documenting SBA 7(a), 504, conventional loans.
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Greater Bay Bank
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Banking
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1 - 100 Employee
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Vice President and SBA Relationship Manager
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Jun 2001 - Dec 2003
Responsible for bank's Sacramento SBA loan office including underwriting, credit quality, documentation, and servicing. Responsible for bank's Sacramento SBA loan office including underwriting, credit quality, documentation, and servicing.
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Bank of America
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United States
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Banking
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700 & Above Employee
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Vice President and Commercial Loan Officer
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Oct 1990 - Jun 2001
Responsible for credit analysis, approval/recommendation, documentation, management of small business lending SBA portfolio. Credits included SBA 504, SBA 7(a), construction loans, and business lines of credit. $3MM single signature authority. Responsible for second signing credits and mentoring junior credit officers. Completed formal commercial credit training program which included RMA-Omega, graduate level accounting and finance, preparation of credit memorandums and presentations. Managed staff of 13 direct reports. Show less
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Education
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1975 - 1979
Binghamton University
BA, Psychology -
Georgia State University
Graduate coursework, accounting; finance, marketing, and organizational behavior
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