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Thomas Munoz is a seasoned banking professional with 30+ years of experience in commercial lending, financial analysis, and portfolio management. He has held senior leadership positions at the Federal Reserve Bank of San Francisco, Bank of the West, and MB Financial Bank, among others. Munoz has a strong background in credit risk management, regulatory compliance, and financial services. He has also served on the Board of Directors for the Chicago Family Health Center and has a degree in Finance and Management from the University of Illinois Chicago.

Experience

    • Senior Supervisory Manager
      • Jun 2020 - Present
      • San Francisco, CA

    • United States
    • Financial Services
    • 700 & Above Employee
    • Staff Manager
      • May 2016 - May 2018

    • Senior Supervisory Analyst
      • May 2012 - Apr 2016

    • Director
      • 1996 - 2014

      I served on the Board of Directors of this not-for-profit community health center providing primary health and dental servicies to the uninsured and under insured populations on the Souhtern regions of Chicago. Served as Chairman of the Board for two terms.

    • Consultant
      • Dec 2011 - May 2012
      • San Ramon, California

      Assignment focus on regulatory compliance in regards to Small & Medium Enterprise Banking (SME) and work to ensure that the Regional Banking Group's (RBG), policies and procedures align with corporate compliance. This involves development of policies, procedures and programs, implementation of these policies and programs, and monitoring of compliance testing.

    • Consultant, Bank of The West
      • Dec 2011 - May 2012

    • Consultant, Special Asset Group - Loss Share Department
      • Mar 2011 - Sep 2011

      Responsibilities focused on the Bank's compliance to their regulatory issued Loss Share Agreement and included, review of the bank's single family loan portfolio, review of selected commercial loans, refinement of internal loan review processes, and review/analysis of reimbursable expenses submitted under the Loss Share Agreement.

    • Senior Vice President
      • Mar 2007 - Sep 2010

      Senior Vice PresidentSenior Lender, responsible for overall management and operations of the lending and credit administration functions; includes business development, loan approval authority, credit underwriting, loan operations, loan documentation and portfolio management.

    • Senior Vice President
      • 1988 - 2007

      Senior Vice President Commercial Banking Officer (2006 – 2007) Commercial Credit Administration Officer •Participated in the coordination and the administration of the commercial lending function with the focus on credit administration policies, collections and work outs.Senior Vice President and Manager Community Lending, MB Financial Bank (2004 – 2006)•Managed a community lending team of 24 individuals which included lending officers, underwriters, processors, originators, and administrative assistants.Vice President and Manager Community Lending, MB Financial Bank (2001 – 2004)Vice President and Manager Community Lending, Manufacturer’s Bank (1998 – 2001)Manufacturer’s Bank merged with Mid City National Bank to form MB Financial Bank in November 2001. Manufacturer’s Bank acquired US Bank in 1997. Throughout this growth, retained the management responsibilities for the Community Lending function.•Created and managed a new lending division for the organization (Community Lending) to service retail and small business loan customers, which served to standardize products and processes throughout the entire branch network. Vice President, Compliance & CRA Officer Manufacturer’s Bank, (1997 – 1998) Manufacturer’s Bank acquired US Bank in 1997•Developed and implemented a new comprehensive CRA and Compliance Program which resulted in an outstanding CRA & Compliance by the regulatory examination completed in October 1998. Vice President, Loan Officer, Compliance & CRA Officer, US Bank, N.A. (1988 – 1997) In 1994 the Steel City Bank of Chicago merged with the Thornridge State Bank and the Tinley Park Bank to form US Bank, N.A.

    • Bank Examiner
      • 1982 - 1988

      • Participated in the regulatory financial analysis and loan review of banks with assets ranging from $2 million to over $7 billion. • Rotated as Examiner in Charge for various examinations and supervised the preparation of comprehensive examination reports.• Coordinated and managed examination teams and trained assistant examiners.

Education

  • 1979 - 1981
    University of Illinois Chicago
    Bachelor, Finance and Management
  • 1976 - 1978
    Southern Illinois University, Carbondale

Suggested Services

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Industry Focus. “Financial Services”

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