Steve Ayers
VP Equipment Finance Sales Manager at Continental Bank- Claim this Profile
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Experience
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Continental Bank
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United States
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Banking
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1 - 100 Employee
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VP Equipment Finance Sales Manager
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Feb 2022 - Present
United States Manage the banks equipment financing. Looking at all types of equipment. Also managing broker relationships for the bank. I also have a background on commercial real estate financing and C&I type lending.
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D.L. Evans Bank
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United States
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Banking
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100 - 200 Employee
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VP Commercial Banking Officer
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Jul 2021 - Mar 2022
Salt Lake County, Utah, United States
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Altabank
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United States
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Banking
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100 - 200 Employee
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VP Commercial Banking Officer - Branch Manager
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Dec 2018 - Jul 2021
Murray, Utah
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VP Lease Credit and Syndication Officer
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Dec 2017 - Dec 2018
Riverton, Utah GrowthFunding Equipment Finance is a Division of People's Intermountain Bank Experienced Commercial Vice President with a demonstrated history of working in the banking industry. Skilled in Commercial Lending, Leasing, Banking, Credit Analysis, Commercial Banking, and Credit Risk. Strong real estate professional graduated from Pacific Coast Banking School - University of Washington and the University of Utah with a degree in finance.
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Capital Community Bank
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Banking
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1 - 100 Employee
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Vice President, Commercial Officer
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Oct 2016 - Dec 2017
Sandy, Utah - Commercial Loan Officer, managed relationships for the bank. - Project manager in implementing new financial spreading and underwriting software program. This was useful in bringing consistency in underwriting and financial spreading to the bank.
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Prime Alliance Bank
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United States
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Banking
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1 - 100 Employee
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Lease Manager - Vice President
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Aug 2012 - Oct 2016
- Managed a $128MM leasing portfolio, which grew from $60MM when I started. - Relationship manager with over a dozen nationwide leasing brokers and other sources. - Managed a team of credit analysts and underwriters. - Helped develop loan policies, grading matrices, underwriting guidelines and collection/liquidation practices. - Managed a commercial loan portfolio including securitizing USDA/SBA guarantees.
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Bank of Utah
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United States
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Banking
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200 - 300 Employee
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Commercial Loan Officer - Vice President
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Aug 2010 - Aug 2012
- Managed a commercial loan portfolio, which included sourcing, underwriting and servicing. - Worked with troubled assets of the bank.
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AmericanWest Bank
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Banking
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100 - 200 Employee
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Vice President - Commerical Officer
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Mar 2007 - Aug 2010
- Managed a $42MM commercial loan portfolio, which I developed from scratch over a three-year period. - Extensive experience in all types of commercial credit including SBA, USDA, B&I loans. - Maintained average delinquencies under 0.50%. - Worked with troubled assets for the bank.
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Zions Bank
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United States
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Banking
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700 & Above Employee
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Credit Analyst/Commercial Loan Officer - Vice President
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Aug 2000 - Mar 2007
- Relationship Manager: Managed a $25MM portfolio with over 90 relationships, Developed various referral sources. - Senior Loan Underwriter: Underwrote large commercial credits for the bank. Had approval authority and would make recommendations for loans to senior management. - National Real Estate Group, credit analyst: Assisted in making changes to credit policy and monitoring of portfolio concentrations. Underwrote/Analyzed SBA 504, 7 (a), and conventional loan programs. Headed… Show more - Relationship Manager: Managed a $25MM portfolio with over 90 relationships, Developed various referral sources. - Senior Loan Underwriter: Underwrote large commercial credits for the bank. Had approval authority and would make recommendations for loans to senior management. - National Real Estate Group, credit analyst: Assisted in making changes to credit policy and monitoring of portfolio concentrations. Underwrote/Analyzed SBA 504, 7 (a), and conventional loan programs. Headed collections department bring delinquencies down from 5% to 2.5%. Trained collectors. Show less
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Education
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Pacific Coast Banking School
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University of Washington
Extension Certificate, Executive Leadership -
University of Utah - David Eccles School of Business
Bachelor's Degree, Finance -
Salt Lake Community College
Associate's degree, Business/Commerce, General