Experience

Home Bank Of California

• United States
• Banking
• 1 - 100 Employee

• Bank Consultant/Retired

  • Oct 2023 - Present

  San Diego, California, United States Support bank with continued success of the Business Banking segment and any assigned projects.

• SVP, Business Banking Managing Director

  • May 2019 - Nov 2023

  San Diego, California Responsible for building the Business Banking group from the ground up. Responsible for the long-term success of HomeBank of California. Overall responsibility and accountability for Business Banking (BB), defined as business with sales of $10MM with strong deposit and cash management needs. This includes group management, sales management, business development management, customer experience, product development/enhancement, profitability, community relations, training, and marketing.



Bank of the West

• United States
• Banking
• 700 & Above Employee

• SVP, RBG Small Business Segment Manager

  • Jul 2011 - Aug 2017

  Greater San Diego Area Responsible for coordinated oversight of sales and service activities for the retail small business banking channel throughout the Bank of the West RBG Retail Branch network. This includes strategic and tactical execution for retail channel small business banking across the following functions: sales management, business development strategy and activities, customer retention, share of wallet and cross sell, customer service, including call center development and management, and asset… Show more Responsible for coordinated oversight of sales and service activities for the retail small business banking channel throughout the Bank of the West RBG Retail Branch network. This includes strategic and tactical execution for retail channel small business banking across the following functions: sales management, business development strategy and activities, customer retention, share of wallet and cross sell, customer service, including call center development and management, and asset, liability, revenue and profit generation. Business target market is companies, including sole proprietorships, with sales generally up to $10 million in annual revenues who are generated and serviced through the Bank of the West retail channel. Show less



Union Bank

• United States
• Banking
• 700 & Above Employee

• Senior Vice President, Retail Small Business Manager

  • Jan 1998 - Jul 2011

  Responsible for developing strategic plans and objectives to capitalize on the small business market Manage the bank's small business segment to ensure growth and profitability within the small business portfolio. Manage the Division Small Business Managers to build branch competency and drive branch production. Developed and rolled out the Business Development Officer Program and incentive plans. Recommend small business goals for the Business Development Officers and Branch offices to meet… Show more Responsible for developing strategic plans and objectives to capitalize on the small business market Manage the bank's small business segment to ensure growth and profitability within the small business portfolio. Manage the Division Small Business Managers to build branch competency and drive branch production. Developed and rolled out the Business Development Officer Program and incentive plans. Recommend small business goals for the Business Development Officers and Branch offices to meet this bank's business objectives. Work with key areas of the bank to provide the branch offices with products, marketing, training and support. Research and develop market strategies both online and offline. Work with other bank departments to improve the effectiveness of the small business segment.

• Vice President, Small Business Marketing Officer

  • Jan 1997 - Jan 1998

  Responsible for development and implementation of products and programs to grow the Bank's small business portfolio. Specific involvement includes product development/enhancement, service level improvements and designing effective marketing and public relations programs. Work with other bank departments to improve the effectiveness of the small business segment.



Union Bank of California

• Vice President, Small Business Banking Coordinator

  • Jan 1995 - Jan 1997

  Act as a liaison representing Community Banking's interest with all Small Business Product Departments. Developed procedures that simplified branch activities. Developed product-specific training for branch personnel with emphasis on business lending. Assisted branches with packaging, negotiating, documenting and servicing small business loans and other related products. Reviewed small business declined loans for the area to restructure them for resubmission to the Loan Center or approved them… Show more Act as a liaison representing Community Banking's interest with all Small Business Product Departments. Developed procedures that simplified branch activities. Developed product-specific training for branch personnel with emphasis on business lending. Assisted branches with packaging, negotiating, documenting and servicing small business loans and other related products. Reviewed small business declined loans for the area to restructure them for resubmission to the Loan Center or approved them under my authority. Developed and implemented a regional action plan to achieve overall Small Business goals. Result: San Diego Area was the Union Bank leader statewide in business DDAs in l995 and in all categories in l996 and 1st quarter l997. Show less



UNION BANK (formerly California

• Vice President, SBA Manager

  • Jan 1991 - Jan 1995

  Responsible for training, motivating and guiding personnel in 52 branches in order to promote growth in the bank's government lending program. Implemented policies and procedures and coordinated the efforts of participating bank departments in order to enhance the success of the programs. Actively developed and maintained an extensive referral network and marketing program. Evaluated applicant credit needs, financial strengths and eligibility. Packaged and serviced all guaranteed government… Show more Responsible for training, motivating and guiding personnel in 52 branches in order to promote growth in the bank's government lending program. Implemented policies and procedures and coordinated the efforts of participating bank departments in order to enhance the success of the programs. Actively developed and maintained an extensive referral network and marketing program. Evaluated applicant credit needs, financial strengths and eligibility. Packaged and serviced all guaranteed government loans. Acted as a liaison between management, branch personnel, government agencies and customers. Preformed collection and liquidation functions. Result: Union Bank was the number one 504 lender in San Diego County in l992, l993 and l994. Show less



Union Bank of California

• Assistant Vice President/Branch Manager

  • Jan 1988 - Jan 1991

  Responsible for outside sales calls and development of business within the community, including lines of credit, equipment loans, commercial real estate loans and other deposit relationships designed to generate growth in the bank's loan portfolio and deposit base. Managed and maintained a $10 million loan portfolio with no charge offs, minimal delinquencies and excellent bank audits. Developed and maintained an annual budget as a guideline for branch performance. Supervised, trained… Show more Responsible for outside sales calls and development of business within the community, including lines of credit, equipment loans, commercial real estate loans and other deposit relationships designed to generate growth in the bank's loan portfolio and deposit base. Managed and maintained a $10 million loan portfolio with no charge offs, minimal delinquencies and excellent bank audits. Developed and maintained an annual budget as a guideline for branch performance. Supervised, trained, motivated and managed a staff of 20 employees.

• Business Relationship Manager

  • Jan 1985 - Jan 1988

  Expanded business development activities within the community, resulting in doubling of l987 loan portfolio. Managed and maintained an $8 million loan portfolio. Presented loan packages to credit administration for approval. Supervised and provided guidance for all lending and new accounts staff.



SAN DIEGO TRUST AND SAVINGS BANK

• Commercial Loan Officer

  • Jan 1981 - Jan 1985

  Responsible for business development of a wide range of banking products with an emphasis on developing an overall banking relationship. Analyzed, packaged and presented loans for approval.