Experience

Montecito Bank & Trust

• United States
• Banking
• 100 - 200 Employee

• Sr. Vice President / Credit Administrator

  • Sep 2021 - Present



Farmers & Merchants Bank of Long Beach

• United States
• Banking
• 400 - 500 Employee

• Sr. Vice President / Credit Administrator

  • Apr 2016 - Sep 2021

  Member of the Loan Committee. Decisioned commercial real estate loans with personal credit authority of $2.5MM, and unsecured up to $500K. Point-person for Environmental Due Diligence. Decisioned annual loan reviews and assisted with preparation of problem loan reports. Decisioned construction draws. Member of the Loan Committee. Decisioned commercial real estate loans with personal credit authority of $2.5MM, and unsecured up to $500K. Point-person for Environmental Due Diligence. Decisioned annual loan reviews and assisted with preparation of problem loan reports. Decisioned construction draws.



Community West Bank

• Banking
• 100 - 200 Employee

• Sr. Vice President / Credit Administrator

  • May 2012 - Feb 2016

  Voting member of the Bank’s OFFICER'S LOAN COMMITTEE. Approve smaller loans (hold loan approval authority up to $250M). Prepare reports and present them to the Bank’s BOD, including reporting on the Bank’s ALLL. Interact with the Bank’s regulator and outside loan reviewer during exams. Manage the Bank’s (1) Appraisal Unit; (2) Management Reporting Unit; and (3) Special Assets Department. Responsible for the production of Criticized Asset Reports and reserve setting for all problem assets (FASB-114 & FASB-05). Handle the disposition of large OREO. Direct, train, and mentor staff, write performance reviews, hire. Oversee the Bank’s environmental due diligence by reviewing Phase-I & Phase-II reports.Direct, train, and mentor staff, write performance reviews, hire. Oversee the Bank’s environmental due diligence by reviewing Phase-I & Phase-II reports. Briefly acted as the Bank’s Interim Chief Credit Officer. Played a key role in getting the Bank out of a Consent Order with the OCC in January 2014.



Pacific Premier Bank

• Irvine, California

• Vice President, Manager of Special Assets

  • Apr 2010 - May 2012

  Directed a small staff that performed resolution (work-out) of problem commercial real estate, residential, and SBA-backed loans. Disposed of REO and other foreclosed assets. Risk-Rated (graded) loans under management. Calculated reserve (FAS-114). Coordinated activities of attorneys, appraisers, receivers and property managers. Oversaw and managed the Bank’s response to borrowers’ bankruptcy filings. Modify loans when appropriate. Over-saw collections. Direct, train, and mentor staff. Was a member of the Bank’s acquisition team that effected the acquisition of two institutions from the FDIC, was instrumental in their consolidation.



Aurora Bank (f/k/a Lehman Brothers Bank)

• Lake Forest, California

• Vice President

  • Mar 2007 - Mar 2010

  Oversaw a staff of nine asset officers in the resolution of problem real estate loans. Taught and mentored the junior staff. Developed problem asset resolution strategies. Compared activity/performance to metrics. Performed performance reviews. Managed work-flow. Prepared reports for Sr. Management. Handled a small portfolio of more complicated problem loans that entail bankruptcies, contested foreclosures, SBA Loans, and the disposing of the REO. Oversaw a staff of nine asset officers in the resolution of problem real estate loans. Taught and mentored the junior staff. Developed problem asset resolution strategies. Compared activity/performance to metrics. Performed performance reviews. Managed work-flow. Prepared reports for Sr. Management. Handled a small portfolio of more complicated problem loans that entail bankruptcies, contested foreclosures, SBA Loans, and the disposing of the REO.



Washington Mutual Bank

• Irvine, California

• Vice President

  • Dec 1998 - Mar 2007

  Credit Manager (Commercial Division) 2005- 2007 Responsible for producing Lending Lines for High-Touch/High-Exposure borrowers in Southern California in order to facilitate the underwriting process. Analyzed borrower financials, and prepared presentations to the Sr. Loan Committee for approval. Prepared high level analyses, Annual Reviews, and Relationship Plans. Reviewed & approved loan gradings/risk-ratings and reserves. Loan Manager, Special Assets (Commercial Division) 1998-2005 Responsible for managing all aspects of troubled loans encompassing assumptions, foreclosures, and disposal of foreclosed real estate. Interfaced with customers to analyze bank’s exposure, borrower financial status and long term potential, took action based on the review.



Freddie Mac

• Rep

  • 1987 - 1989