AREAS OF EXPERTISE:

• Credit/portfolio administration Credit Policy
• Commercial Real - Estate Underwriting and Risk Grading
• Problem asset resolution /loan workouts Loan documentation
• Lender liability issues Sales and Underwriting Management

PROFESSIONAL EXPERIENCE:

Confidential, Walnut Creek, CA

Director of Underwriting

Responsibilities:

• Develop underwriting and portfolio management guidelines including; underwriting template, and site visit forms, for startup asset based lending company.
• Develop tracking system for portfolio management.
• Underwrote commercial loans.
• Managed workouts of problem loans
• Preformed due diligence including background check on principals and companies, site visits and operational reviews.
• Worked closely with sales to facilitate efficient closing and on boarding of new customers.
• Presented credit recommendation to Credit Committee and Executive Management.
• Worked with Client Management to develop guidelines and procedures for fund disbursement and relationship management.

Consultant

Confidential, San Francisco, CA

Responsibilities:

• Under contract to develop debt and equity commercial real-estate portfolios for a Family Office.
• Researched commercial properties nationally for possible inclusion in commercial real-estate portfolio
• Developed underwriting and portfolio management guidelines including; underwriting template, site visit forms, and commercial loan application.
• Developed tracking system for portfolio management.
• Underwrote commercial real-estate loans.
• Managed existing commercial real-estate portfolio for covenant compliance and delinquencies.
• Established relationship with professionals within the commercial real-estate industry to further grow the commercial real-estate portfolio.

Confidential, Palo Alto, CA

Director of Commercial Banking

Responsibilities:

• Exceeded productions goals each year, producing over $85 million in new Commercial Real-Estate loans.
• Significantly decreased portfolio delinquencies by more than 10%
• Managed team of Credit Officers who were responsible for both underwriting and business development.
• Reviewed and approved commercial real-estate loans.
• Analyzed all aspects of commercial loan requests including; review of company financial statements, rent rolls, tax returns, market analysis, lease review and any other documentation needed to make a credit decision.
• Produced monthly problem loan reports for senior management.
• Constructed work out plans for problem loans.
• Liaison with legal representation for complex transactions and workout loans including foreclosures, Deed in Lieu and receiverships.
• Reviewed loan documentation.
• Sold and purchased loan participations.
• Created monthly board reports regarding credit quality.
• Responsible for communication and coordination with federal regulators and third party auditor.
• Facilitated weekly sales and credit quality meetings with staff.

Confidential, Oakland, California

Vice President, Relationship Manager

Responsibilities:

• Acquired new and managed existing client relationships with complex lending and cash management needs.
• Mentored branch bankers on effective profiling and management of branch serviced clients.
• Served as primary contact for the banking needs of managed clients.

Confidential

Vice President, Senior Risk Manager

Responsibilities:

• Acted as regional credit policy expert for business banking, and served as a member of credit policy committee.
• Conducted risk reviews, oversaw the risk grading process, and responsible for sending credits to special assets department for resolution.
• Approved large and complex credits.
• Prepared and presented monthly portfolio review reports for senior management. Which included anticipated losses and reserves, exception to credit policy, credit approval review, covenant and financial reporting defaults, and other reports on the health of the portfolio.
• Oversight of deposit risk issues including fraud and employee issues.

Confidential

Field Credit Officer

Responsibilities:

• Approved business credit facilities for Northern California, Washington, Utah and Nevada from $250M to $2MM.
• Conducted Credit training for small business relationship managers.
• Assisted in documentation and portfolio management processes.

Confidential, San Francisco, California

Assistant Vice President/Underwriter

Responsibilities:

• Underwrote new credit relationships and renew existing credit facilities for the commercial lending and premium wine industries group.
• Reviewed financial and collateral reporting and prepare loan waivers and modifications if needed.
• Reviewed loan documentation and strategize with legal department to insure that the banks interest is protected and that the borrower understands and is able to comply with loan requirements.
• Prepared quarterly reviews of problem credits, including financial and collateral analyst, financial projection tracking and assessment of the customer’s and the bank’s action plans.
• Prepared annual commercial real-estate reviews including site visits, review of comparable sales in the area, and market rent analysis.
• Reviewed financial and collateral analysis done by credit analysis to insure accuracy and counsel analysts on how to improve their work product.

Confidential, Walnut Creek, California

Assistant Vice President/ Relationship Manager

Responsibilities:

• Managed portfolio of over 200 commercial lending relationships.
• Sourced and underwrote new credit relationships and presented new relationships to senior management and credit committee members.
• Developed new standardized underwriting format for professional practice loans used bank wide.
• Insured covenant compliance of existing loan portfolio through review of financial reporting requirements, collateral assessment, data reconciliation, loan documentation review, structuring and preparation of loan waivers and modifications.

Confidential, San Ramon, California

Senior Portfolio Analyst

Responsibilities:

• Managed $55MM of the $120MM portfolio, specializing in acquisition financing and workout loans.
• Insured covenant compliance of existing loan portfolio thorough review of financial reporting requirements, collateral assessment, data reconciliation, loan documentation review, structuring and preparation of loan waivers and modifications, Preformed and lead operational audits, prepared monthly compliance reporting for senior management
• Assessed the risk associated with the restructuring or renewal of existing loans thorough leading due diligence audits, preparing internal financial forecasts and/or sensitizing customer forecasts, prepared credit write-ups for approval from senior and executive management, negotiated loan documents, structured loan covenants, developed pricing models to coincide the return with the risk of the loan facilities.
• Responsible for training and assisting junior analyst with client management issues, risk assessment, collateral tracking, auditing, financial projections and workout account management.
• Managed the transition $70MM purchased loan portfolio, preformed due diligence on purchased loans, assessed collateral, negotiated with seller, and trained other analysts on system take over.
• Promoted from analyst to senior analyst with in a year.