Experience

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  Greater Texas Credit Union

  • 6411 North Lamar Boulevard, Austin, TX 78752

  • Assistant Vice President - Business Lending

    • May 2018 - Present
    • 6411 North Lamar Boulevard, Austin, TX 78752

    I conduct complex credit investigations and analyze information on commercial and small business loans. I also conduct historical and projected financial analysis on businesses and guarantors. I assist with the preparation of the credit file for presentation for approval by the Loan Committee and with loan portfolio administration.

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  BBVA Compass

  • 13497 N Hwy 183, Ste 100, Austin, TX 78750

  • Assistant Vice President / Business Banking Officer

    • Sep 2015 - Apr 2018
    • 13497 N Hwy 183, Ste 100, Austin, TX 78750

    I establish, maintain, and develop banking relationships with businesses owners. I service commercial loan request for businesses with annual sales ranging from $1 million to $10 million. I compile and review commercial credit packages and qualify borrowers for conventional business loans and U.S. Small Business Administration guaranteed (SBA 504, 7(a), and Express) loans. I assess the credit risk and credit worthiness of companies and borrowers by conducting a financial analysis of their business tax returns, business financial statements, personal financial statements, current debt schedules, and credit bureau reports. I cross sell a wide range of bank products and services.

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  Far West Capital

  • Austin Texas

  • Vice President of Underwriting

    • Jun 2014 - Jun 2015
    • Austin Texas

    I underwrote and analyzed the creditworthiness of sellers of accounts receivables and of their debtors. I underwrote factoring and asset based lending requests for new, prospective, and existing client relationships (ranging from $100 thousand to $10 million). I prepared Credit analysis Memorandum packages (including company background, credit, collateral and character evaluation, industry analysis, and key performance indicators-KPIs analysis) for review and decision by Loan Committee Members (CEO, President / COO, CFO, and EVP). I facilitated the transition of the credit facility from the Executive Vice President, Senior Vice President and Business Development Officers to the Account Managers.

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  A+ Federal Credit Union

  • Austin, Texas Area

  • Business Services Officer

    • 2007 - Jun 2014
    • Austin, Texas Area

    I was the first Business Services Officer hired to jump start a new portfolio of small business and commercial loans. I effectively developed new business, underwrote credit requests, and managed credit a growing loan portfolio. I packaged conventional and SBA 7(a) and 504 loans. I analyzed the credit worthiness of companies and individuals, assessed economic and market conditions, and prepared credit memorandums. I identified businesses strengths and weaknesses and assessed their historical financial performance. I presented loan approval recommendations to the Executive Loan Committee Members consisting of the CEO, CFO, CLO and the AVP of Business Lending. I was responsible for the ongoing development and monitoring of my portfolio of loan relationships and ensured adherence to loan covenants. I consistently surpassed my annual goals while maintaining a loan default rate of < 1%.● I helped build a fine tuned business lending department, fostering a collaborative and productive environment.● I revamped the collateral and document tracking system.● I used KPIs to assess the viability and performance of businesses.● I generated $40 million of commercial and small business loans.

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  Businesses Invest in Growth (BiG Austin)

  • Austin, Texas Area

  • Director of Lending

    • 2001 - 2007
    • Austin, Texas Area

    I managed and serviced a growing U.S. Small Business Administration (SBA) micro loan portfolio. I implemented financial controls and improved the loan underwriting policies and procedures. I conducted financial analysis and business feasibility analysis. I reviewed legal documentation including loan agreements, security agreements, and UCC filings. I coached and trained a Business Loan Officer, two Business Loan Counselors and a Loan Impact Measurement Specialist. ● I participated in the annual strategic planning sessions and the establishment of key performance metrics (KPMs) for the company’s five year roadmap.● I introduced business process improvements that enhanced the loan operation function.● I streamlined the loan servicing function and reduced the loan processing time by 20%.

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  People Fund

  • Director of Client Development

    • 1999 - 2000

    I analyzed small business loan requests and prepared Credit Analysis Memorandums for Business Loan Committee Member’s consideration. I managed a growing portfolio of small business loans, reviewed legal documents, closed loans and managed the technical assistance program.● I participated in the annual strategic planning sessions and worked with KPMs.● I developed an innovative Entrepreneurial Development Program and recruited 27 professionals (primarily University of Texas M.B.A. students) with expertise in finance, accounting, business operations, process improvement, technology, business law and marketing.● I successfully matched volunteers with business owners, assigned small business projects, and achieved 90% program participation. I lead the Entrepreneur Development Committee.