Experience

Evergreen Business Capital

• United States
• Financial Services
• 1 - 100 Employee

• Vice President, Loan Officer

  • Apr 2022 - Present

  Evergreen Business Capital is the Northwest’s leading SBA/CDC, partnering with banks and credit unions to provide financing via the SBA 504 loan program primarily for owner-occupied commercial real estate construction, purchase, and refinancing. In my role, business development and cold calling on banks and credit unions is the primary responsibility. I also perform credit analysis and initial authorship of the credit memo submitted to the SBA for loan approval. Evergreen Business Capital is the Northwest’s leading SBA/CDC, partnering with banks and credit unions to provide financing via the SBA 504 loan program primarily for owner-occupied commercial real estate construction, purchase, and refinancing. In my role, business development and cold calling on banks and credit unions is the primary responsibility. I also perform credit analysis and initial authorship of the credit memo submitted to the SBA for loan approval.



Right Way Pest Control, LLC

• Coeur d'Alene, Idaho, United States

• FINANCE/ACCOUNTING/SALES

  • Mar 2021 - Mar 2022

  • Provide experience and assistance with start-up requirements, including establishing tax accounts, creating marketing and sales strategies, and bookkeeping. • Door-to-door sales utilizing a consultative, value added sales approach. • Provide experience and assistance with start-up requirements, including establishing tax accounts, creating marketing and sales strategies, and bookkeeping. • Door-to-door sales utilizing a consultative, value added sales approach.



Coeur d'Alene Public Schools District 271

• Coeur d' Alene, ID

• Substitute Teacher

  • Sep 2015 - Jun 2016

  • Instructed students in grades K-8 by presenting the daily lesson plan. • Supervised and provided instruction to students assigned in-school suspension. • Instructed students in grades K-8 by presenting the daily lesson plan. • Supervised and provided instruction to students assigned in-school suspension.



Bella Ragazza’s Pizza & Subs

• West Jefferson, NC

• OWNER/OPERATOR

  • Jan 2013 - May 2015

  Established a delivery and carryout restaurant, including a four-month build-out, remodel and installation of all necessary equipment, and which ultimately generated total revenues of just over $100,000 during its operation and prior to being sold. Established a delivery and carryout restaurant, including a four-month build-out, remodel and installation of all necessary equipment, and which ultimately generated total revenues of just over $100,000 during its operation and prior to being sold.



Brick Stone Pizza & Pasta

• West Jefferson, NC

• OWNER/OPERATOR/GENERAL MANAGER/CHEF/BARTENDER

  • Sep 2005 - Dec 2012

  • Established an Italian cuisine and NY-style pizza, full-service restaurant and sports bar with seating for eighty that generated annual sales exceeding $650,000 in 2012. • Managed the front-of-house and back-of-house including inventory purchasing and control, food preparation, quality assurance, staffing and full P&L responsibilities. • Ensured compliance with all health regulations and maintained a safe workplace resulting in consistent quarterly Health Inspection Scores equal to a Grade “A”. • Completed all financial and accounting requirements, payroll, monthly and quarterly taxes and compilation of year-end financial data for income taxes. • Created all company literature using Microsoft software and the Internet. Show less



CapitalSource, Inc.,

• Bethesda, MD

• LOAN OFFICER/PORTFOLIO MANAGER

  • Sep 2004 - Jun 2005

  • Administered a portfolio of senior debt totaling $53 million, including asset-based, real estate and cash flow loans in various middle-market industries. • Approved or denied daily draw requests from clients after analyzing the collateral, the borrowing base and the draw amount. • Monitored financial, operational, and collateral performance through analysis of financial statements, covenant compliance and collateral reports. • Participated in portfolio reviews with senior management and provided actionable recommendations, including new add-on facilities, amendments, foreclosure proceedings. • Implemented cash control arrangements between CapitalSource, client and banks, including establishing a lockbox for collections and negotiating and implementing blocked account agreements for customer accounts. Show less



M&T Bank Corp.

• Baltimore, MD

• COMMERCIAL LENDER/VICE PRESIDENT HEALTHCARE BANKING DIVISION

  • Jan 2003 - Sep 2004

  • Solicited new business and maintained ongoing relationships with long-term care providers and medical practices through continual calling efforts, membership in industry organizations, conferences, fundraisers, golf outings, galas and more. • Financial statement and tax return analysis, evaluation of strengths, weaknesses, opportunities, and threats, industry and macroeconomic assessment, Loan-to-Value determination and appraisal review. • Cross-sold financial products and services, either directly or through referrals, including checking and depository accounts, merchant services, investments, trust, interest rate management, letters of credit, lockbox and other related services. • Originated real estate development and construction loans, mortgage origination and refinancing, equipment financing, asset based. • Managed a personal portfolio of more than $175 million in credit commitments, including amendment requests, covenant compliance and annual reviews. • Through 9/04, exceeded revenue goals by 42%, sourced $36.6 million in loan commitments and $3.4 million in average monthly deposits. Show less



Allfirst Bank Corp. (acquired by M&T Bank)

• Baltimore, MD

• COMMERCIAL LENDER/VICE PRESIDENT COMMUNICATIONS BANKING

  • Jun 1996 - Dec 2002

  • Solicited business from wireless telephone and cable service providers, radio and television broadcasters, outdoor billboard companies and newspaper publishers. • Completed and presented loan requests of up to $25 million for over $362 million in loan commitments and managed a personal credit portfolio of more than $180 million. • Exceeded total revenue, loan commitments and deposit goals in each year and was recognized as a company-wide sales leader with a “First Circle” award in FY02. • Promoted to Assistant Vice President in June 1998 and Vice President in September 2000. Show less



Adams-Burch Restaurant Supply

• Washington D.C. Metro Area

• DELIVERY DRIVER

  • Oct 1991 - Aug 1993

  Delivered restaurant and janitorial supplies to restaurants, hospitals, military institutions, schools, hotels and other eateries using a fourteen-foot box truck and dolly. Delivered restaurant and janitorial supplies to restaurants, hospitals, military institutions, schools, hotels and other eateries using a fourteen-foot box truck and dolly.