Experience

• 

  Generations Federal Credit Union

  • San Antonio, Texas Area

  • Loan Officer

    • 2000 - Present
    • San Antonio, Texas Area

• 

  First State Bank of San Antonio

  • Blanco & Bitters

  • Vice President

    • Nov 1988 - Nov 1990
    • Blanco & Bitters

    Vice President Loan Dept. Responsible for loan production and delinquencies. Started new Indirect Lending Department. Responsible for signing up new dealers and setting new rates for purchase of new paper. Set up all goals for new production and cost of funds to the bank. Responsible for new accounts and penetrating different neighborhoods with new promotions the bank offers.Performed all inspections of interim construction loans and inspections of new pool loans.Reported to the President for any problems that may arise and set strategies and goals for the month.Also Secretary to the Board for monthly Director Meetings. Reported to the Board for problems and loan production.

• 

  La Hacienda Savings and Loan

  • San Antonio, Texas Area

  • Senior Vice President

    • Apr 1984 - Nov 1988
    • San Antonio, Texas Area

    Responsible for all loan production and new accounts for a new Savings & Loan in San Antonio. Supervised approximately 35 employees. Reported directly to the President for all daily operations and any problems that may arise. Did weekly inspections of new interim construction loans over the state of Texas from Houston to Dallas. Also reported to the Board of Directors for new loans to be presented for approval. Responsible for Loan Delinquencies. Responsible for all new officer calls for all the officers of the S&L and new production.Responsible for the sale of foreclosures and autos. Responsible for all floor-plans for auto dealers and performed monthly inspections. Kept close contact With president with respect to scheduling Company airplane flights for all business flights.

• 

  Republic Bank Medical Center

  • Babbcock & Wurzbach

  • Vice President

    • Feb 1982 - Apr 1984
    • Babbcock & Wurzbach

    Vice President, Mgr of Consumer & Professional Lending Dept...Responsible for all Loan production and operations..Responsible for Officer Business Calls on all Medical Professionals. Responsible forLoan delinquencies and disposing of all Repo Assets. Reported to the President and Board of Directors for new loans to be presented for approvals ..Interviewed all new employees for Bank positions and did all the Bank hirings with approval of the President.

• 

  Republic Bank Houston

  • Lousiana and Milam

  • Assistant Vice President

    • Aug 1980 - Aug 1981
    • Lousiana and Milam

    Assistant Vice-President Loan Officer in charge of employees of different oil companies in Houston,Texas.. Aramco and Huffco Oil companies. Responsible of all all the needs of over 600 employees of each company...Personal Banker Position. Also Mgr of Bank's collection department. Responsible for over 12 employees collection progress and responsible for disposing of repo assets. reduced monthly repos of 125 per month down to 20 per month...Smarter collection procedures and policies of department ...Reported to Senior Vice-President for all policies and procedures.Left bank in view of son's health problems.Outstanding Bank and Senior Vice-President.

• 

  Alamo National Bank

  • St Mary's & Commerce st.

  • Assistant Vice President

    • Sep 1966 - Aug 1980
    • St Mary's & Commerce st.

    Loan Officer of Consumer Loan Department. Responsible for loan portfolio and delinquencies. Promoted to position of Assistant Vice President ....Also Manager of collection department and responsible to Senior Vice-President. Was promoted to Vice-President, Manager of new de-novo bank that was to be opened in 1974,.Set up operations of Loan Department and made Officer calls to the different Businesses in the area advising of the new bank opening.In September of 1975, was advised by Jack Meyer, President of Alamo National Bank that we could not get approval for opening of the new bank. Reported back to main bank as loan officer and Manager of the collection department..