Experience

Raza Development Fund

• United States
• Financial Services
• 1 - 100 Employee

• Chief Credit Officer

  • Oct 2016 - Present

  Phoenix, Arizona Continuous monitoring and enhancement of the credit policy and underwriting guidance for a dynamic Community Development Financial Institution. Focus on three key objectives; (1) providing sound, creative, financing solutions; (2) assisting low-income, Latino children and families to meet social impact objectives; and (3) effectively manage and mitigate the investment portfolio to minimize losses. Manage, monitor and report portfolio dynamics, including: concentrations, segmentations, risk… Show more Continuous monitoring and enhancement of the credit policy and underwriting guidance for a dynamic Community Development Financial Institution. Focus on three key objectives; (1) providing sound, creative, financing solutions; (2) assisting low-income, Latino children and families to meet social impact objectives; and (3) effectively manage and mitigate the investment portfolio to minimize losses. Manage, monitor and report portfolio dynamics, including: concentrations, segmentations, risk ratings/asset quality, and ALLL. Ongoing development of underwriting personnel through training and continuous feedback.

• Director | Credit Administration

  • Jun 2015 - Oct 2016

  Phoenix, Arizona Area



GE Capital

• United States
• Financial Services
• 700 & Above Employee

• Vice President - Underwriting & Portfolio Management

  • Feb 2011 - Jun 2015

  Responsible for all aspects and oversight of a $4 billion loan portfolio, including: New funding requests, Portfolio Management, Restructuring, and Regulatory Compliance. Transactions range in size from $1 million to $100 million+ hold sizes, including small, mid-market, sponsor and syndicated facilities. Provide guidance and constructive feedback to underwriters, workout teams, and support personnel.

• Asst. Vice President - Workout and Restructuring

  • Aug 2008 - Feb 2011

  Responsible for restructuring and resolution efforts of a portfolio of distressed credit facilities, including customer contact and analysis of potential solutions to minimize losses.

• Associate - Structured Lending

  • Sep 2007 - Aug 2008

  Responsible for all due diligence, underwriting, structuring, and post transaction management of large structured debt facilities as well as sale-leaseback components, as part of comprehensive financing packages. Credit facilities generally above $20 million up to $250 million.



GE Capital

• United States
• Financial Services
• 700 & Above Employee

• Regional Credit Manager (Western US)

  • 2003 - 2007

  Led a team of underwriters in a fast-paced lease origination environment. Trained and mentored employees to improve credit decisions, responsiveness, and general credit quality of a ~$1 billion portfolio.



The Nature Conservancy

• United States
• Non-profit Organizations
• 700 & Above Employee

• Asst. Director of Land Protection

  • 2002 - 2003

  Worked collaboratively with landowners and their attorneys, other NGOs, and various government agencies to ensure sensitive ecosystems in South Carolina were appropriately conserved.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Business Banking Manager

  • 1999 - 2002

  Charleston, South Carolina Area Hired, trained, and managed a team of Small Business Bankers to build strong relationships with local businesses by providing value-added banking services in the coastal South Carolina market.



Southtrust Asset Management

• United States
• Financial Services
• 1 - 100 Employee

• Small Business Banker

  • 1997 - 1999

  Deland, Florida

• Sr. Credit Analyst

  • 1994 - 1997



Barnett Bank of Volusia County

• Credit Analyst

  • 1993 - 1994