Loan Officer with a unique set of solutions for every problem. Creative in decision making, while careful in taking conservative risks to increase sales and customer retention.
Risk management assessments
Balance sheet expertise
Proficient in many types of accounting systems and software
Moody's / CASH / Credit Quest
Commercial Banking Relationship Manager, 08/2015
to Current Umpqua Bank – Napa,
Serves as the account executive for new and existing complex clients with business portfolios from $5 million to $50 million in revenue.
Establishes and maintains a "trusted advisor" relationship with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle.
Actively manages a $50 million loan portfolio, ensuring that all reporting and covenant requirements are being fulfilled.
Ensures ongoing contact to extend the credit relationship by meeting new credit needs and cross-selling additional bank products, to strengthen the overall relationship.
Initiates and develops new business through outside business development activities.
Recommended loan approvals and denials based on customer loan application reviews.
Commercial Banking Relationship Manager, 02/2012
to 08/2015 California Bank of Commerce – Lafayette,
Started as a commercial credit analysist; analyzing financial data related to new and renewal loan requests, including lines of credit, asset-based lines, commercial real estate, and equipment financing loans.
Assisted commercial relationship managers in managing day-to-day details for larger relationships, maintaining contact with clients and resolving issues.
Promoted to a commercial relationship manager.
Developed my own loan portfolio of $25 million which consisted of C&I and commercial real estate.
Preformed all business actions; developed the business, analyzed the financial information, underwrote the credit facility, and presented it to credit administration for approval.
Credit Solutions Manager, 10/2006
to 02/2012 Umpqua Bank – Solano,
Responsible for the management of all aspects of the loan production, growth in loan outstandings and business development activities of a Community Banking region.
Assisted 16 branches with complex credits and gave guidance on selecting the appropriate loan products and processing avenues.
Acted as a liaison between branches and associated departments to resolve credit and compliance related issues.
B.A.: Public Administration Public Finance/Budget Management,
2002 San Diego State University - San Diego,
BBA: 2016 Pacific Coast Banking School, University of Washington - Seattle,
WA Graduated with Honors (top 10% of class)
*My Management Report is published in the school library