Experience

FFB Bank

• United States
• Banking
• 1 - 100 Employee

• SVP, Regional Sales Director

  • Sep 2018 - Present

  Responsible for the development of the Southern California Wholesale Division. Responsible for generating commercial and multi-family loans, establishing Commercial RE and Multi-Family Underwriting Guidelines, and creating various processes for the use in the Commercial RE and Multi-Family Wholesale Platform. Additional responsibilities include maintaining credit quality, delinquency control, and adherence to bank policies and compliance with all banking regulations. Originate $20MM per month… Show more Responsible for the development of the Southern California Wholesale Division. Responsible for generating commercial and multi-family loans, establishing Commercial RE and Multi-Family Underwriting Guidelines, and creating various processes for the use in the Commercial RE and Multi-Family Wholesale Platform. Additional responsibilities include maintaining credit quality, delinquency control, and adherence to bank policies and compliance with all banking regulations. Originate $20MM per month on average. Provide support in post-closing procedures to facilitate sale of 90% of the origination in the secondary market. Essential Duties and Responsibilities • Establish and meet division-wide goals as it relates to annual origination target and budgets. • Manage both sales and operations to ensure that goals are met and procedures are followed. • Establish departmental policy and procedures including loan policy and underwriting guidelines for the Southern California Wholesale Division. • Provide Executive Management with comprehensive on-going origination as well as portfolio analysis for the existing portfolio. • Support Regional Credit Head to negotiate all purchase/sales agreements. • Maintain up to date knowledge and may train others on products, services, departmental systems, and related technology, policies and procedures. Show less



Pacific Premier Bank

• United States
• Banking
• 700 & Above Employee

• SVP, Multi-Family Lending Manager

  • Apr 2018 - Aug 2018

  El Segundo, CA Responsible for the oversight and development of the Multi-Family Division. Responsible for generating multi-family loans, establishing Multi-Family Underwriting Guidelines, and creating various processes for the use in the Multi-Family Wholesale Platform. Additional responsibilities include maintaining credit quality, delinquency control, and adherence to bank policies and compliance with all banking regulations. Originated $12MM per month on average. Essential Duties and… Show more Responsible for the oversight and development of the Multi-Family Division. Responsible for generating multi-family loans, establishing Multi-Family Underwriting Guidelines, and creating various processes for the use in the Multi-Family Wholesale Platform. Additional responsibilities include maintaining credit quality, delinquency control, and adherence to bank policies and compliance with all banking regulations. Originated $12MM per month on average. Essential Duties and Responsibilities • Manage the Multi-Family Division, including the direction and development of the department. • Establish and meet division-wide goals as it relates to annual origination target and budgets. • Manage both sales and operations to ensure that goals are met and procedures are followed. • Establish departmental policy and procedures including loan policy and underwriting guidelines for the Multi-Family Division. • Monitor annual review process and ensure coverage meets loan policy requirements. • Provide Senior Management with comprehensive on-going origination as well as portfolio analysis for the existing portfolio. • Work with Chief Credit Officer to negotiate all purchase/sales agreements. • Maintain up to date knowledge and may train others on products, services, departmental systems, and related technology, policies and procedures. • Integral part of hiring and training new personnel within the department. Counsel, mentor and prepare employee performance reviews. If needed make recommendations for employee promotions and salary increases. • Monitor and track portfolio performance including quality assurance. Show less



Grandpoint Bank

• United States
• Banking
• 1 - 100 Employee

• SVP, Multi Family Lending Manager

  • Nov 2015 - Apr 2018

  Greater Los Angeles Area Responsible for the oversight and development of the Multi-Family Division. Responsible for generating multi-family loans, establishing Multi-Family Underwriting Guidelines, and creating various processes for the use in the Multi-Family Wholesale Platform. Additional responsibilities include maintaining credit quality, delinquency control, and adherence to bank policies and compliance with all banking regulations. Originated $15MM per month on average in 2016 and 2017. Responsible for oversight… Show more Responsible for the oversight and development of the Multi-Family Division. Responsible for generating multi-family loans, establishing Multi-Family Underwriting Guidelines, and creating various processes for the use in the Multi-Family Wholesale Platform. Additional responsibilities include maintaining credit quality, delinquency control, and adherence to bank policies and compliance with all banking regulations. Originated $15MM per month on average in 2016 and 2017. Responsible for oversight of post-closing procedures to facilitate sale of 80% of the origination in the secondary market since 2017. Essential Duties and Responsibilities • Manage the Multi-Family Division, including the direction and development of the department. • Establish and meet division-wide goals as it relates to annual origination target and budgets. • Manage both sales and operations to ensure that goals are met and procedures are followed. • Establish departmental policy and procedures including loan policy and underwriting guidelines for the Multi-Family Division. • Monitor annual review process and ensure coverage meets loan policy requirements. • Provide Executive Management with comprehensive on-going origination as well as portfolio analysis for the existing portfolio. • Work with Chief Credit Officer to negotiate all purchase/sales agreements. • Maintain up to date knowledge and may train others on products, services, departmental systems, and related technology, policies and procedures. • Integral part of hiring and training new personnel within the department. Counsel, mentor and prepare employee performance reviews. If needed make recommendations for employee promotions and salary increases. • Monitor and track portfolio performance including quality assurance. Show less



Kinecta Federal Credit Union

• United States
• Financial Services
• 500 - 600 Employee

• Director, Commercial Credit

  • May 2015 - Nov 2015

  El Segundo, CA Responsible for establishing a multi-family lending unit. Process included establishing Multi-Family Underwriting Guidelines, creating various processes for the use in Multi-Family Wholesale Platform including the Credit Approval Memorandum. Additional responsibilities include maintaining credit quality, delinquency control, adherence to bank policies and compliance with all banking regulations. Responsible for underwriting and recommending all Member Business Loans (MBL) as well as continual… Show more Responsible for establishing a multi-family lending unit. Process included establishing Multi-Family Underwriting Guidelines, creating various processes for the use in Multi-Family Wholesale Platform including the Credit Approval Memorandum. Additional responsibilities include maintaining credit quality, delinquency control, adherence to bank policies and compliance with all banking regulations. Responsible for underwriting and recommending all Member Business Loans (MBL) as well as continual management and review of the existing MBL Portfolio. Actively involved with continual development of lending procedure as well as annual review procedure to ensure that the Credit Union is in compliance with NCUA guidelines. Responsibilities included the preparation of the following reports for Credit Committee. • Business Lending Cap Report • Member Business Loan Portfolio Summary • Business Loan Exceptions Report • Participation Loan Exceptions Report • Classified Loan Status Report • Lead Lender's Review for Participation Loans • Annual Review of Business Loans • Annual Review of Participation Loans Additional responsibilities include assisting with the semi-annual audit with bank hired independent auditors and with annual audit examinations by the NCUA. Show less



Luther Burbank Savings

• United States
• Financial Services
• 100 - 200 Employee

• Assett Manager / Sr. Major Loan Underwriter

  • 2008 - 2015

  Manhattan Beach, CA Reviewed all work completed by Credit Analysts and Major Loan Underwriters to mentor and advise on both the annual review process and loan origination. Responsible for approving loans up to $1MM of loan limit or relationship amount. Underwrote on average 80 plus loans annually. Consistently top two of 12 underwriters in production annually. Additional responsibilities include preparing and representing marginal loans that present additional risks based on annual review and risk grade results… Show more Reviewed all work completed by Credit Analysts and Major Loan Underwriters to mentor and advise on both the annual review process and loan origination. Responsible for approving loans up to $1MM of loan limit or relationship amount. Underwrote on average 80 plus loans annually. Consistently top two of 12 underwriters in production annually. Additional responsibilities include preparing and representing marginal loans that present additional risks based on annual review and risk grade results to the Major Asset Committee on monthly basis. • Manage a $250MM Multifamily loan portfolio. • Analyze tax returns such as Individual Tax Return, IRS Form 1040, Partnership Return IRS Form 1065, Corporate Return IRS Form 1120S & 1120 including K-1 Filings. Additional analyses include financial statements such as profit and loss and balance sheet to determine ongoing cash flow to support loan repayment. • Review preliminary title reports, purchase agreements, environmental reports, property • Analyze tax returns, operating statements, rent roll and all other pertinent documentation to calculate global cash flow, debt coverage ratio, cumulative debt coverage ratio, performed Risk Grade Matrix and complete write-up summarizing the overall characteristics of each loan. • Presented loans on monthly basis to Special Asset Committee. These loans include marginal loans that showed a weak global cash flow, below break-even debt coverage on subject property, and rated as special mention, substandard, doubtful or loss on a Risk Grade Scale. • Facilitate with the semi-annual audit process with internal Secondary Credit Review Department and with bank hired independent auditors as well as OCC.

• Senior Commercial Loan Processor

  • 2005 - 2008

  Manhattan Beach, CA Ensured thorough and accurate analysis of loan applications and all related documentation; prepared Notice of Incomplete Application and presented loans to underwriting team upon completing the initial application process; monitored loans in process to ensure timely completion and effective communication to all parties involved from application to funding and boarding of the loans to add to LBS Portfolio. Processed 280+/- files on annual basis to be able to fund $35MM loans… Show more Ensured thorough and accurate analysis of loan applications and all related documentation; prepared Notice of Incomplete Application and presented loans to underwriting team upon completing the initial application process; monitored loans in process to ensure timely completion and effective communication to all parties involved from application to funding and boarding of the loans to add to LBS Portfolio. Processed 280+/- files on annual basis to be able to fund $35MM loans monthly. • Review loan application packages submitted by loan officers for completeness and conformity to LBS' lending programs. Determine additional information and documentation required to complete underwriting and credit decision. • liaison with loan officers, mortgage brokers, title companies, credit reporting agencies, appraisers, and other third parties to communicate needs and requirements as necessary. • Review preliminary title reports, purchase agreements, environmental reports, property inspections reports, appraisal reports and related documentation for acceptability. • Completed all upfront due diligence, including; OFAC clearance, Lexus Nexus, and addressing all Red Flags reported on Borrowers' credit report.