Experience

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  Clifford Shank and Associates

  • Calabasas, CA

  • Independent Contractor

    • Oct 2013 - Present
    • Calabasas, CA

    Commercial loan review, documentation and credit quality

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  Cabrera & Associates, Inc.

  • Alta Loma, CA

  • Independent Contractor

    • Mar 2012 - Oct 2013
    • Alta Loma, CA

    Commercial loan review, documentation and credit quality

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  Gateway Business Bank

  • Cerritos, CA

  • Independent Contractor / Consultant Position Chief Credit Officer

    • Apr 2011 - Mar 2012
    • Cerritos, CA

    Worked with the Bank's officers, employees, counsel and other advisors in connection with the management of the Bank's lending portfolio, including loan loss reserves allocation, special assets management, loan underwriting and recommendations for approval and such other related matters as the Bank may request from time to time. The term of the Consulting Agreement continues until the earliest to occur as employment as the Chief Credit Officer subject to regulatory approval as the Bank was under a Consent Order or the termination of the Consulting Agreement. The Bank received confirmation from the FDIC and the CDFL, of no objection to becoming the Chief Credit Officer. Declined the position as the Bank was in the process of being acquired by another bank holding company.

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  Diversfied Capital, Inc.

  • Pasadena, CA

  • Independent Contractor

    • Dec 2010 - Apr 2011
    • Pasadena, CA

    Provide reviews of SBA loan documentation and operating procedures at lender banks for the Small Business Administration.

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  Law Offices of Walter Hackett

  • Diamond Bar

  • Independent Contractor

    • Apr 2009 - Nov 2009
    • Diamond Bar

    Performed documentation and credit underwriting reviews of Commercial Real Estate Loans in preparation for litigation proceedings.

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  PFF Bank & Trust purchased by US Bank

  • Rancho Cucamonga, CA

  • Vice President

    • Nov 2008 - Apr 2009
    • Rancho Cucamonga, CA

    US Bank on 11/21/08 purchased PFF Bank & Trust from the FDIC. Seniority with PFF Bank & Trust transferred to US Bank.

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  PFF Bank & Trust

  • VP Syndications/Participations

    • Apr 2007 - Apr 2009

    Established procedures, strategies and documentation for developing and servicing a participation and syndication portfolio of C&I loans. Managed the flow of information for underwriting, analysis and preparation of the credit approval memorandum. Recommended approvals of new and renewal credits and follow for compliance with covenants and conditions. Fiscal year 4/08 outstandings reached $17 million, exceeding goal by 141% and representing 9% of the total C&I portfolio. Continued to mentor analysts on issues relating to spreading financial statements, assessment of credit risk and cash flow analysis. Note: This position was eliminated with the system integration to US Bank.

  • VP & Commercial Credit Risk Manager

    • Apr 2003 - Mar 2007

    Wrote new and revised existing policies and procedures for underwriting, spreading, analysis, assignment of appropriate credit risk grade and documentation requirements on all C & I loans. Assisted the SBA Manager with the formation of SBA policy on 7(a), Express, Low-Doc, and CDC-504 loans for the Bank. Developed standardized computer based credit approval document creating a data base for all requests. Developed policy and procedures and a worksheet for analyzing Cash Flow and Global Cash Flow used on all credit requests. Developed a Specialized Contractor Cash Flow worksheet used on all building contractors in the C & Department. Mentored underwriters with issues on spreading financial statements, credit analysis, cash flow analysis and assigning a risk rating on C & I and SBA loans,

  • VP & Manager Commercial Credit Analysis Dept.

    • Jul 2000 - Apr 2003

    Supervised a staff of 3 analysts including SBA underwriters. Managed daily workflow to ensure meeting or exceeding turn-around time standards. Developed procedure to measure volume and productivity. For this period the Dept. prepared an average of 192 new and renewal credit packages, provided an average of 131 post funding reviews on leases, spread an average of 429 business financial statements and tax returns, provided an average of 34 summary reports on Accounts Receivable and Payable agings and performed quarterly credit quality reviews on 43% of C&I originations. Provided reports to management for review and action on the assigned risk and any documentation deficiencies. Developed a Risk Rating Matrix and worksheet to determine the risk classification of each credit.

  • AVP & Commercial Credit Analyst

    • Jun 1998 - Jul 2000

    Spread and anlayzed business and personal financial statements and tax returns and forecast analysis. prepared credit approval memorandums and assigned a risk rating grade on credit packages. Increased average outstanding by 65% $40 million. When the department manager left the Bank I managed the majority of his portfolio consisting of 16 major relationships over $30 million for an 18 month period.Evaluated and recommended the acquisition of a new financial statement spreading program, oversaw its implementation and training for all lending officers.

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  Foothill Independent Bank - Rancho Cucamonga, CA

  • AVP & Business Banking Officer

    • Nov 1996 - Jun 1998

    Responsible for developing the C & I portfolio at the branch. In 1997 booked $838,000 in new C&I loans and processed $1,282,600 in renewal credits. Generated new deposit growth of $797,000, ranked number two in the Bank for loan production and new deposit generation.

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  Riverside M.B.D.C. - San Bernardino, CA

  • Financial Advisor

    • May 1996 - Oct 1996

    Financial advisor for the Minority Business Development Center providing counseling service to existing and start-up minority owned businesses.

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  Independent Insurance Agent

  • Insurance Agent

    • May 1992 - May 1996

    Life, Property & Casualty Insurance Specialist

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  First Interstate Bank

  • Greater Los Angeles Area

  • VP Various Branch & Administrative Assignments

    • Feb 1969 - May 1992
    • Greater Los Angeles Area

    1984 - 1985 Dealer Operations Center: Developed procedures for credit quality and control for variances to buying policy on all contracts purchased including commercial loans and real estate loans made to dealers. Of the 27,000 average contracts purchased per year, reviewed an average of 26%.1978 - 1980 Regional Credit Examiner: Reviewed the credit quality and risk assessment on commercial and consumer loans in 18 branches in the Inland Empire and portions of Los Angeles.