Experience

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  Sonora Bank

  • Boerne, Texas, United States

  • Senior Credit Underwriter

    • Jun 2022 - Present
    • Boerne, Texas, United States

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  Self Employed

  • Bishop, CA

  • State of California Licensed Daycare Provider

    • Aug 2019 - Jul 2021
    • Bishop, CA

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  Pacific Mercantile Bank

  • AVP, Relationship Manager

    • Aug 2018 - Sep 2018

    • Acquire, manage, and cultivate lending relationships with customers whose revenues range from $5MM to $100M. • Collect and analyze financial information in order to provide creative loan structuring, specialized in Commercial & Industrial lending, that is uniquely fit for each client. • Utilize the bank's proprietary Horizon Analytics® Program which provides detailed financial analysis and forecasting to our clients along with relevant industry conditions, peer comparisons, and valuation models.

  • Senior Credit Analyst

    • Aug 2014 - Aug 2018

    • Analyzed and evaluated company prepared/audited/reviewed balance sheets and income statements, AR & AP Agings, corporate tax returns, personal tax returns, personal financial statements, and liquidity statements • Prepared prospect reviews, letters of intent, loan proposals, credit memos, and debt service coverage analysis to be reviewed by credit administration and loan committee • Monitored credit quality, loan covenants and tickler compliance, and risk ratings• Maintained communication with borrowers ensuring all financials and reporting requirements were provided within the required timeframe • Gathered all necessary information to create loan documents, reviewed loan documentation for accuracy, and attended loan document signings• Reviewed appraisal reports, title reports, insurance certificates, lease agreements, Lexus Nexus, Experian credit reports, and UCC searches• Graduate of the Risk Management Association University seven module C&I Diagnostic Program

• 

  Friendly Hills Bank

  • Santa Fe Springs, CA

  • Junior Commercial Loan Underwriter

    • Jul 2010 - Aug 2014
    • Santa Fe Springs, CA

    • Spread financial packages, business tax returns, personal tax returns, and personal financial statements using the CASH Suite of Software• Prepared credit recommendations for various types of loan requests including Commercial & Industrial, Commercial Real Estate, Consumer, Auto, Mortgages, Home Equity Lines, and Small Business Lending• Prepared monthly reports tracking loan production and growth, deposit production and growth, and tickler and covenant compliance for upper management• Responsible for the Bank's social media presence in order to increase clientele• Completed monthly certification of all loan and deposit related general ledger accounts• Responsible for maintaining orderly paper credit files as well as scanning and correctly e-filing all loan related documentation into the Bank's imaged file system

• 

  Northrop Grumman Corporation

  • San Diego, CA

  • Business Finance Intern with the F-22 & F-35 Programs

    • Jun 2009 - Sep 2009
    • San Diego, CA