Experience

Prime Alliance Bank

• United States
• Banking
• 1 - 100 Employee

• Loan & Lease Officer and Underwriting Manager

  • Oct 2020 - Present

  United States • Voting member of the bank’s credit committee. • Worked with a network of over 20 brokers and referal sources to bring transactions to the bank. • Reviewed all loan and lease transactions to determine credit eligibility, structure, and pricing. • Managed and provided training to the bank’s underwriting team. • Served as the bank’s primary document editor; updating or creating policy and procedure to current bank standards and practices. • Presented quarterly report to… Show more • Voting member of the bank’s credit committee. • Worked with a network of over 20 brokers and referal sources to bring transactions to the bank. • Reviewed all loan and lease transactions to determine credit eligibility, structure, and pricing. • Managed and provided training to the bank’s underwriting team. • Served as the bank’s primary document editor; updating or creating policy and procedure to current bank standards and practices. • Presented quarterly report to board of directors of the current state of the portfolio and fiscal projections. Show less



Bank of the West

• United States
• Banking
• 700 & Above Employee

• SBA Credit Division Manager

  • Aug 2018 - Oct 2020

  Salt Lake City, Utah •Credit approval authority on loans up to $5,000,000. •Reviewed and approved loans for SBA 7A and 504 projects. Projects include Real Estate Purchase, Real Estate Construction, Business Acquisition, Equipment Purchase, and Refinance. •Managed a team of 14 SBA Underwriters. •Upheld requirements set by the SBA as well as Bank of the West's loan policies and procedures in all loans.

• SME Credit Underwriter

  • Dec 2015 - Aug 2018

  Greater Salt Lake City Area •Underwrite and structure SBA 504 and 7A loans ranging from $150,000 to $20,000,000. •Analyze business and personal financials to determine loan size and eligibility for commercial real estate, working capital, business acquisition, and partner buyout loans. •Work with SBA personnel to structure loans in accordance to the most current SBA SOP standards.



Zions Bank

• United States
• Banking
• 700 & Above Employee

• Commercial Loan Underwriter - National Real Estate Department

  • Dec 2014 - Dec 2015

  Greater Salt Lake City Area • Structured and underwrote SBA 504 and conventional real estate loans with commitments ranging between $250M and $4.7MM • Completed business, personal, and global cash flow analysis in order to determine credit quality • Proactively sought to develop new relationships to increase loan production • Worked with borrowers and lending partners in CA, UT, IL, and MN to fund commercial real estate loans

• Sr. Credit Analysts - National Real Estate Department

  • Feb 2013 - Dec 2014

  Greater Salt Lake City Area • Spread and analyzed tax returns and financial statements • Serviced existing SBA 504 and conventional real estate loans held by Zions Bank ranging between $1.5MM and $5.8MM • Analyzed all aspects of loans to determine credit quality and to provide potential loan modifications • Properly graded loans at originations and loans held by Zions Bank in order to ensure appropriate reserves were held within the bank



TAG Lending LLC

• Sales Coordinator

  • May 2010 - Aug 2012

  Providence Utah • Process and compile financial statements to determine customer loan eligibility • Communicate daily with financial and government organizations to verify regional regulations • Utilize programs such as Excel, Word, and Google Docs to prepare and present financial information to management • Work in coordination with the Financial Controller to collect loan funds