Experience

Neighborhood National Bank

• United States
• Banking
• 1 - 100 Employee

• SVP/Underwriting Manager

  • Jun 2018 - Present



TD CONSULTANT

• Greater San Diego Area

• Consultant

  • Jun 2017 - Present



Nano Banc

• United States
• Banking
• 1 - 100 Employee

• Senior Vice President

  • Aug 2017 - Jun 2018

  Underwrite SBA 7a, 504, Investor CRE, C & I, and Construction Loans for Business Underwrite SBA 7a, 504, Investor CRE, C & I, and Construction Loans for Business



Bank of Southern California

• United States
• Banking
• 100 - 200 Employee

• VP-SBA Underiting Manager

  • Aug 2015 - Jun 2017

  Responsible for the Underwriting, Servicing, Liquidation of SBA Loans to ensure accurate financial analysis and loan presentations submitted for approval according to current loan policies. Implement, manage, and establish work flow procedures in portfolio management of servicing requests, term loan reviews, problem loans, new loans and upcoming maturing loans in a timely and accurate fashion. Act as liaison between RM’s, U/W’s and Senior Management to understand request and add value to proposed structure to create work flow and policy efficiencies. Maintain various reporting mechanism to ensure work flow efficiencies and disseminate benchmarks to Senior Management. Analyzed and prepare loan presentations for all types of commercial and SBA loans. Show less



Pacific Commerce Bank

• LA and San Diego

• SVP/Production Manager

  • Aug 2012 - Aug 2015

  Responsible for the development and training of the Underwriting Team to ensure accurate financial analysis and loan presentations submitted for approval according to current loan policies. Implement, manage, and establish work flow procedures in portfolio management of servicing requests, term loan reviews, problem loans, new loans and upcoming maturing loans in a timely and accurate fashion. Act as liaison between RM’s, U/W’s and Senior Management to understand request and add value to proposed structure to create work flow and policy efficiencies. Maintain various reporting mechanism to ensure work flow efficiencies and disseminate benchmarks to Senior Management. Analyzed and prepare loan presentations for all types of commercial and SBA loans. Other duties include liaison and part of integration team when acquiring and merging with other lending institutions Show less



Banner Bank

• United States
• Banking
• 700 & Above Employee

• Credit Analyst Team Leader

  • May 2008 - Aug 2012

  Responsible for the development and training of the Credit Analyst Team to ensure accurate financial analysis and loan presentations submitted for approval according to current loan policies. Team Leader in establishing work flow procedures in portfolio management of servicing requests, term loan reviews, problem loans, new loans and upcoming maturing loans in a timely and accurate fashion. Act as liaison between RM’s, CA’s and Senior Management to understand request and add value to proposed structure to create work flow and policy efficiencies. Maintained various reporting mechanism to ensure work flow efficiencies and disseminate benchmarks to Senior Management. Analyzed and prepared loan presentations for all types of commercial and SBA loans. Other duties include liaison and part of integration team when acquiring and merging with other lending institutions. Show less



Vineyard Bank

• Banking
• 1 - 100 Employee

• SVP; SBA Credit Manager

  • 2002 - 2008

  Instrumental in organizing, hiring, implementing set-up of a new SBA Loan Production office with Kristin “Didi” Hakes for the bank. The Bank was able to procure 100% audit from SBA as well as receive PLP Status within one year’s time in the Santa Ana, Los Angeles, and San Diego District offices. Department hit $40mm in loans for the year 2003 and is ranked 3rd in production under the heavy hitters such as Wells Fargo, B & A, and US Bank. Responsible for screening all loan packages submitted by brokers and assigning to underwriters if qualified, reviewing all credit write-ups and amendments for compliance to SBA and bank policy. Supervision and training of SBA loan officers according to standard operating procedures. Act as Department Manager and work with the BDO’s on structure and where they deal will fit, Worked with Secondary Market utilizing their programs for the bank’s success, worked with processing to insure deals closed in a timely fashion. Act as a liaison between brokers, other institutions, and in house development officers for development of potential loan customers. Underwriting and recommending for approval, for underwriting and credit analysis for new and existing SBA 7 (a) and 504, Conventional R/E, and Construction RE loans. Additionally, review all submission and documentation for loans. Track all phases of the construction loan from underwriting, monitoring disbursements and site visits, to permanent take out source. Responsible for loan portfolio assigned to officer for financial statements, ticklers, servicing, past dues, etc. Prepare problem loan reports; assist with sales to the secondary market of SBA loans and other duties as assigned to assist Department Manager. Show less