Experience

Montecito Bank & Trust

• United States
• Banking
• 100 - 200 Employee

• VP, Senior Portfolio Manager

  • Mar 2023 - Present

  Greater Los Angeles, California, United States *Ensures the ongoing soundness of the portfolio through diligent monitoring of credit performance including financial analysis review, compliance and collateral, delinquencies, and credit problems. *Underwrites and structures credit requests for new and existing loans through the analysis of financial statement projections, cash flow, and industry and trend data with the Bank’s credit policies within their assigned lending authority. *Under limited supervision, writes clear, concise… Show more *Ensures the ongoing soundness of the portfolio through diligent monitoring of credit performance including financial analysis review, compliance and collateral, delinquencies, and credit problems. *Underwrites and structures credit requests for new and existing loans through the analysis of financial statement projections, cash flow, and industry and trend data with the Bank’s credit policies within their assigned lending authority. *Under limited supervision, writes clear, concise credit write-ups for lending relationships that highlight key information and areas of risk in the credit. *Identifies changes in loan risk and communicates the changes in the credit to the appropriate reporting authority. Show less



Citizens Business Bank

• United States
• Banking
• 700 & Above Employee

• VP/Credit Officer

  • Sep 2017 - Mar 2023

  Greater Los Angeles Area Develops and analyzes financial information to determine advisability of granting credit for diversified types of loans. Compiles data from credit bureaus, financial reports, banks and other sources. Evaluates new and current account for quality, risk factors and adherence to company loan policies. Makes recommendations to lending personnel regarding new loans and the renewal, extension or increase of credit lines.

• VP/Center Manager

  • Mar 2016 - Sep 2017

  Ventura, CA Managed the center sales and service efforts to ensure retention of existing relationships and growth of new relationships. Responsibilities included the overall direction, coordination, and evaluation of the center. Carried out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, training, planning, assigning, and directing work. Ensured that all Bank operating and lending policies and procedures were… Show more Managed the center sales and service efforts to ensure retention of existing relationships and growth of new relationships. Responsibilities included the overall direction, coordination, and evaluation of the center. Carried out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, training, planning, assigning, and directing work. Ensured that all Bank operating and lending policies and procedures were properly implemented and followed.



County Commerce Bank

• VP/ Relationship Manager

  • Feb 2007 - Mar 2016

  Oxnard, California, United States Managed a loan portfolio of mostly commercial clients, prepared credit recommendations including analysis and presented to loan committee. Assessed risk ratings.