Experience

Stanford Federal Credit Union

• Banking
• 100 - 200 Employee

• Director

  • Jun 2016 - Present

  • Manage four employees of the organization’s commercial lending team credit administration team. Responsible for team management, interviewing and hiring new employee and reviewing and approving credit recommendations • Involved in implementing Salesforce origination platform to expedite the credit and portfolio management process • Develop and implement commercial lending commercial lending procedures to integrate recommendations provided by government examiners and third party auditors • Oversaw the problem loan portfolio, which include drafting a new problem loan procedure, implementing a watch-list identification process and help recommend strategy to resolve problematic loans • Assisted with re-writing the organizations commercial lending procedures and policies • Handle various compliance requests such as clarifying any questions posed by examiners and reconciling any variances reported by external auditors



Bank of the West

• United States
• Banking
• 700 & Above Employee

• Senior Analyst

  • May 2011 - Jun 2016

  • Underwritten real estate secured investment transactions which involved projecting tax credit and passive loss returns, performing upper tier (Sponsor) and lower tier (Developers) financial analysis, completing the FIN46 checklist and determining which GAAP accounting method (cost v equity) to apply. • Review and interpret Fund’s return variance, Sponsor’s financial capacity and lower-tier collateral performance trends and prepare report for Bank’s investment committee. • Prepare impairment analysis notating declining rates of returns, negative cash flow trends and watchlisted properties. Updated amortization calculation schedule reflecting loss of tax credits and accelerated taxable losses. • Handle various compliance requests such as updating FIN46 checklist, preparing Volcker rule reports and reconciling any balance variances reported by external auditors. • Perform accounting for real estate investment portfolio including managing month-end general ledger close, account reconciliations, journal entries and re-amortization of its book value. • Underwrite commercial real estate loans. Determine borrowers total global exposure, perform asset revaluations and prepare cash flow analyses.



East West Bank

• United States
• Banking
• 700 & Above Employee

• Senior Analyst

  • Apr 2008 - Aug 2010

  • Annually forecasted portfolio projected returns based on adjustments made to the equity pay-in schedule, tax credit delivery and collateral status per investors’ financial statements, performance analysis and tax returns. • Designed risk management procedures incorporating Fund’s return variance, Sponsors asset management performance, lower tier tax credit deliveries and Banks exposure to problematic deals to quantify portfolio quality. • Assembled quarterly reports notating financial anomalies and explaining atypical standard deviations from historic trends. • Support year-end tax preparation process by reviewing investment portfolio’s K-1s and its impact on the Banks tax position. • Managed annual portfolio audit reviewing it for covenant violations, financial ratio testing and pricing exceptions. Consolidated data and prepared recommendations for risk rating adjustments. • Constructed a SQL-based database to generate balance and compliance reports for the Federal Reserve and USDA



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Accountant

  • Sep 2004 - Apr 2008

  • Supervised team of 5 associates responsible for integrating loans acquired through mergers, ensuring each meets internal and government compliance standards and approving fee adjustments when required. • Performed month-end close activities including prepaid schedules, intercompany transactions, and account reconciliations. • Performed statistical analyses of fee adjustments concerning customers impacted by unanticipated events. Coded variables, plotted normal distributions, notate standard deviations and interpret the results. • Prepared Quarterly Bank Regulatory Reports.