To match my skills, knowledge and experience with the needs of a financial institution that offers challenge and the opportunity for career advancement.
AREAS OF STRENGTH
A skilled SBA Loan Manager passionate about providing excellent internal and external customer service that exceeds expectations.
Results-oriented Manager reflective in employee tenure, loan growth and consistent favorable audit ratings from Bank Regulators and SBA Contracted Auditors.
Over twenty years of progressive banking experience
Fifteen years of successful and effective management experience in sales, underwriting, documentation, servicing and liquidation.
Skills
Reliable Diversified Experience Professional Organized Problem solving Proficient in MS Office Word
High Quality Subjective Judgment Approachable Self-motivated Flexible Proficient in MS Office Excel
Work History
First Vice President / SBA Loan Manager, 06/2010 to 07/2013 HERITAGE OAKS BANK – Santa Maria, CA
Report directly to the Executive Regional Market President
Create an SBA Unit within the Bank, which included development of a streamlined, reliable, productive and communicative process throughout the Bank's footprint.
Create, present and implement SBA Loan Policy and Desktop Procedures
Oversee the servicing of the existing SBA portfolio coupled with working with Relationship Managers, Lending Teams, Branch Managers and Client Relationship Managers to grow the portfolio.
Key functions and management of the SBA Unit encapsulated the following:
Meeting with clients and accessing financing feasibility
Underwriting and presenting loan requests / servicing actions to the appropriate level(s) of authority
Tracking of annual financial reporting requirements
Completion of Annual Reviews
Credit Risk Management and appropriately grading of asset
Annual financial analysis
OREO calculations
Allowance for Loan Loss calculations
Preparation and presentation of Liquidation and Wrap-up Reports
Quarterly Portfolio Management Reports
Annual Budget Meetings
Working with and responding to internal / external auditors and applicable audit reports
Monthly Competiveness Analysis Reports and updated Budget and Strategic Variance Reports
Developed and maintained department database of loans originated, reviewed, processed, closed and administered.
Created strategies to develop and expand customer sales successfully resulted in expanded loan products coupled with positive earnings generated by the department each year.
Recognized by the local Central Coast CDC as the top 504 Lender in approved loan volume.
Vice President Department Manager, 05/2004 to 06/2010 RABOBANK – Arroyo Grande, CA
Report directly to the Executive Vice President.
Develop and manage Desktop Procedures beginning with loan origination through loan liquidation.
Responsible for the hiring, training and mentoring of sales and support staff.
Manage a sales staff of six and a support staff of four.
Work closely with the Bank's Corporate office and legal counsel in Roseville, CA in supporting the government guaranteed loan department as a whole and the mechanics in incorporating the various requirements set-forth by the governing agencies to the overall Bank and Regulatory requirements, which did not always mirror one another.
Provide training to the Bank's delineated lending footprint, which encompassed as far North as Roseville and as far south as to the Mexican boarder.
Develop and maintain database for all originated, reviewed, processed, closed and administered loans.
Successfully received outstanding audits from U.S. Government, both Federal and State.
Recognized by the local Central Coast CDC as the top 504 Lender in approved loan volume.
Assistant Vice President, 12/1996 to 05/2004 GOLETA NATIONAL BANK – Goleta, CA
Report directly to the Vice President.
Perform loan servicing, collection of delinquent payments, and liquidation of the SBA loan portfolio comprising of the states of California, Nevada, Georgia and Florida.
Create templates for staff members to utilize in completing all post-closing actions.
Train staff members the software used by the bank in conjunction with the U.S. Small Business Administration's Standard Operating Procedures as it pertained to Servicing and Liquidation.
Work Closely with various third parties to perform the required servicing and or liquidation tasks. The primary third party focus in the south-east region were Attorneys and in the west were Title Companies.
Closely work with both internal and external auditors in addressing any questions pertaining to the management of the SBA loan portfolio.
SBA Loan Specialist, 06/1993 to 12/1996 MONTECITO BANK & TRUST – Santa Barbara, CA
Report directly to the Senior Vice President.
Support one SBA Loan Officer and three Commercial Loan Officers.
All facets of a loan were handled in-house, SBA Loan Specialist, responsibilities began with analyzing the application, spreading the financial information, followed by packaging, closing and servicing the loan.
Administrative Assistant, 06/1991 to 06/1993 GOLETA NATIONAL BANK – Goleta, CA
Provide administrative support to the Credit Administrator (i.e. CRA, loan policy and procedures, approved Appraiser list etc.).
Provide administrative support to Commercial and SBA Loan Officers, which included typing their credit memorandums for presentation to loan committee and ordering any pertinent information in preparing their credit (i.e. credit reports, appraisal etc.)
Education
High School Diploma: General Studies, 1984 Santa Barbara High School - Santa Barbara, CA
Who's Who Among American Children Academic Achievement Award
Continuing Education Courses in Accounting at Santa Barbara City College and Allan Hancock College
Coursework in Accounting, Financial Analysis, Loan Documentation and Liquidation (judicial and non-judicial).
Volunteer Experience & Causes
Serve as an Active Board Member - Coastal Business Finance January 2013 – Present (10 months) Economic Empowerment Coastal Business Finance is a U.S. Small Business Administration certified non-profit development center that provides businesses long-term financing for the betterment of the local economy. The subject financing improves local tax revenues in conjunction with the retention and or addition of new jobs.
