Experience

Luther Burbank Savings

• United States
• Financial Services
• 100 - 200 Employee

• First Vice President - Credit Review Manager

  • Mar 2010 - Present

  • Developed and implemented an internal loan review system for a $2.0 billion commercial real estate loan portfolio. Hired and trained staff to perform debt coverage, global cash flow, appraisal, risk grading, impairment, interest accrual and charge-off analyses. • Lead monthly internal loan review meetings, developed loan reviewing reporting systems, created problem loan reports. • Developed and implemented a system for monthly post-funding quality control audits of newly originated residential and commercial real estate loans. • Assisted in the conversion of the Bank’s thrift credit administration structure to a more typical commercial bank structure by training relationship managers and their credit analysis teams on commercial real estate loan review responsibilities. • Created and implemented a credit review audit system for commercial real estate loan reviews performed by relationship managers. • Participated in the development of credit policies as a member of Credit Committee. • Participated in the resolution of problem loans as a member of the Managed Asset Council. • Performed due diligence reviews of financial institution acquisition candidates. • Hired and managed financial analysts who significantly enhanced Board of Director, lending operation and regulatory reporting through the use of relational loan information databases. Show less



First Federal Bank of California

• Banking
• 1 - 100 Employee

• Senior Vice President - Credit & Asset Review Manager

  • Jan 1992 - Feb 2010

  • Developed and implemented an internal loan review system for a $3.0 billion commercial real estate and a $100 million commercial and industrial (C&I) loan portfolio. Hired and trained staff to perform debt coverage, cash flow, appraisal, risk grading, impairment, interest accrual and charge-off analyses. • Lead monthly internal discussions of commercial real estate and C&I loan reviews as chair of the Internal Asset Review Committee. • Lead the disposition of troubled residential, commercial real estate, and C&I loans through the Loan Workout Committee. Responsible for judicial foreclosure litigation resulting in the recovery of foreclosure losses totaling more than $25 million. • Developed and implemented a quality control audit system for residential, commercial real estate and C&I lending which focused on fraud prevention and detection. • Participated in the development of credit policies as a member of Credit Committee. • Oversaw the approval and monitoring of loan brokers authorized to do business with the Bank. Incorporated quality control findings to restrict or remove loan brokers as necessary. • Managed the sale of approximately 1,500 foreclosed residential properties totaling $425 million during the three years ended December 2009. • Performed due diligence reviews of financial institution acquisition candidates and residential and commercial real estate loan portfolios. • Managed income property loan collections for a $2 billion commercial real estate loan portfolio. • Responsible for CRA compliance and community reinvestment as chair of the Executive CRA/Community Reinvestment Committee. Annually managed to approval Affordable Housing Program (AHP) grant applications by the Federal Home Loan Bank of San Francisco and provided required post-funding monitoring. Show less



U.S. Department of the Treasury, Office of Thrift Supervision

• Los Angeles, CA

• National Bank Examiner

  • Oct 1985 - Jan 1992

  • Responsible for managing regulatory examinations of federally insured thrift institutions. Prepared reports of examination for the purpose of presenting findings, conclusions, and recommendations to boards of directors and management. Specialized in examining institutions with difficult or hostile management. • Responsible for managing regulatory examinations of federally insured thrift institutions. Prepared reports of examination for the purpose of presenting findings, conclusions, and recommendations to boards of directors and management. Specialized in examining institutions with difficult or hostile management.