Experience

Citizens Business Bank

• United States
• Banking
• 700 & Above Employee

• Vice President / Comm'l Credit Officer

  • Jun 2007 - Present

  Review various types of commercial credit (C&I loans, Commercial R/E, Commercial Equity Line of Credit, Home Equity Line of Credit, Asset Base Lending, equipment loan/leasing, and Letter of Credit) with transactions ranging from $500M to $10.0MM (total portfolio amount up to $20.0MM). Review appraisal/environmental reports for accuracy and pertinent data. Engage in credit approval process with the Relationship Manager/Credit Administrators. Analyze complex financial statements using internal excel tax analysis and Moody's spreadsheets; prepare Credit Summary Reports to accurately justify credit decisions. Perform risk rating accuracy assessment based on bank credit policy. Provide underwriting expertise to junior officers in all aspects of loan analysis; assist Credit Administrators in reviewing the RCE submitted by junior level underwriters. Worked closely with SBA District Offices/CDC on SBA loans and assist in determining eligibility according to the SOP 50-10(4 Show less



Bank of the West

• United States
• Banking
• 700 & Above Employee

• AVP/Senior Underwriter

  • Dec 1999 - Jun 2007

  Reviewed various types of commercial credits respective to bank's loan policy. Approved junior underwriters' credits (lending authority up to $500M). Worked closely with Business Development Officers and Branch Managers to properly structure loans. Trained/assisted Credit Analysts, processors and sales staff in understanding credit decision and appropriate credit structuring. Worked with PCR (State Guarantee Program) to assist start-up/minority business owners. Reviewed various types of commercial credits respective to bank's loan policy. Approved junior underwriters' credits (lending authority up to $500M). Worked closely with Business Development Officers and Branch Managers to properly structure loans. Trained/assisted Credit Analysts, processors and sales staff in understanding credit decision and appropriate credit structuring. Worked with PCR (State Guarantee Program) to assist start-up/minority business owners.



Cal Fed Bank

• Credit Analyst

  • Sep 1996 - Dec 1999

  Analyzed various types of commercial credits. Worked closely with Credit Officers and Relationship Managers. Analyzed financial statements to accurately depict entities true condition. Prepared Business Credit Memoranda in an accurate, clear and concise manner. Analyzed various types of commercial credits. Worked closely with Credit Officers and Relationship Managers. Analyzed financial statements to accurately depict entities true condition. Prepared Business Credit Memoranda in an accurate, clear and concise manner.



East West Bank

• United States
• Banking
• 700 & Above Employee

• Assistant Branch Manager

  • Jun 1995 - Sep 1996



Bank of America

• United States
• Banking
• 700 & Above Employee

• Operation Supervisor

  • 1992 - 1996