Experience

Torrey Pines Bank

• United States
• Banking
• 100 - 200 Employee

• Commercial Real Estate Loan Officer

  • Nov 2015 - Present

  Del Mar, California



U.S. Bank

• United States
• Banking
• 700 & Above Employee

• SBA Relationship Manager

  • Aug 2014 - Nov 2015

  San Diego Responsible for managing existing loan portfolio/relationships exceeding $20MM of SBA 504 exposure. Complete annual reviews for each relationship, including cash flow, leverage and liquidity analysis, collateral valuations, loan covenant testing and collection of annual financial statements and tax returns. Determine and assign the appropriate risk of default rating based on the results of the annual review. Complete quarterly reviews for relationships found to be higher risk and… Show more Responsible for managing existing loan portfolio/relationships exceeding $20MM of SBA 504 exposure. Complete annual reviews for each relationship, including cash flow, leverage and liquidity analysis, collateral valuations, loan covenant testing and collection of annual financial statements and tax returns. Determine and assign the appropriate risk of default rating based on the results of the annual review. Complete quarterly reviews for relationships found to be higher risk and transfer relationship to Special Assets if necessary. Complete service requests for U.S. Bank's SBA 7(a) loan portfolio. When deemed appropriate per SBA SOP 50-57 and bank standards, coordinate with the customer and third parties to complete approved service requests within 30 days per Reg B regulation, such as changes to collateral, release of guarantors, interest rate modifications, and assumptions. Monitor relationships found to be higher risk and transfer relationships to Special Assets upon knowledge of non-compliance to SBA requirements and bank standards.

• Business Banking Specialist

  • Nov 2012 - Aug 2014

  Originate new depository and lending opportunities with Small Business Owners in the North San Diego region. Manage and deepen the 125+ existing business banking relationships held at the U.S Bank Carlsbad Village Branch location. Represented and differentiated U.S. Bank apart from its competition by delivering superior customer service.

• Underwriter

  • Aug 2010 - Nov 2012

  Underwrite & adjudicate 300+ manufactured home loan applications, averaging $7.2M in purchased collateral monthly. Build long-term professional relationships with Manufactured Housing retailers and brokers. Manage work-flow and continuously seek process improvements.



Innovative Lease Services, Inc.

• United States
• Financial Services
• 1 - 100 Employee

• Credit Manager

  • Aug 2007 - Jun 2009

  Manage all credit related functions for a leading San Diego Commercial Equipment Leasing Brokerage. Personally syndicate 200+ commercial/plant equipment lease applications, averaging $6M in purchased collateral monthly. Coordinate between lessees and equipment vendors to complete the approval and funding process of each transaction. Protect against fraudulent applications by investigating customer and vendor relations. Meet with and develop new relationships with valuable lending… Show more Manage all credit related functions for a leading San Diego Commercial Equipment Leasing Brokerage. Personally syndicate 200+ commercial/plant equipment lease applications, averaging $6M in purchased collateral monthly. Coordinate between lessees and equipment vendors to complete the approval and funding process of each transaction. Protect against fraudulent applications by investigating customer and vendor relations. Meet with and develop new relationships with valuable lending resources. Show less



National Funding

• United States
• Financial Services
• 100 - 200 Employee

• Credit Analyst

  • Apr 2006 - May 2007

  Syndicate 150+ commercial/plant equipment lease applications for a leading San Diego Commercial Equipment Brokerage, averaging $4.5M in purchased collateral monthly. Be a liaison between lending partners and inside Sales Team. Maintain and strengthen existing relations with valuable lending partners.



Meissner-Jacquet, Inc

• Asst. Commercial Real Estate Manager

  • Feb 2007 - Mar 2007

  Temporary Position: Assist the Real Estate manager in the operations and upkeep of several commercial properties. Coordinate maintenance between vendors and tenants. Create up-to-date financial reports for commercial property owners.