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Work History

Nov 2015Present

Vice President, Commercial Loan Administration Manager

Vision One Credit Union

Sacramento, CA

Manage the operations of Commercial Loan Documentation and Administration Departments.

Responsible for all commercial loan service support functions including but not limited to:

  • Approving the funding of all commercial loans ensuring they've met all credit and documentation policy requirements.
  • Maintaining all policy exception tracking reports.
  • Structure customized documentation for complex commercial loans dealing primarily with asset acquisition financing, SBA financing, stock purchasing, equipment lines, etc. 
  • Training the commercial loan staff and the development of their incentive plans.
  • Writing, establishing and maintaining the commercial loan administration company policy and procedure manuals.
  • Monitor collateral perfection and insurance processing and implementation for the entire loan portfolio.
  • Monitor multiple disbursement loan products for loan advance activities and approved disbursement schedule compliance.

Coordinate the following:

  • Employee incentive system development with Senior Management.
  • Manage staff hiring process, including preliminary screening, interviewing and budgeting.
  • Team training events and presentations.
  • Project Manager for new system implementations and upgrades.
May 2010Nov 2015

Senior Commercial Loan Administrator

Umpqua Bank

 Sacramento, CA.

Independently work on Commercial Loans and assignments that are complex in nature where considerable judgment and initiative are required in resolving problems. General financing structures included participation/syndications, asset based lines, master guidance lines with tranche options, commercial Real Estate, commercial Construction, SWAPs, etc. Provided guidance and supervised a team of commercial loan processors. Directly negotiated loan documents and evaluated alternative solutions. Serve as the primary liaison with clients, attorneys, inspectors and title company representatives, during all phases of financing.

    Oct 2008May 2010

    Financial Services Officer

    First Bank

    Roseville, CA.

    Established profit generating relationships with small business groups within the local market and provided customized business solutions. Assisted financial services staff to optimize sales and maintain effective customer relationship to increase revenues and improve branch effectiveness. Developed sales targets for individuals and provided necessary assistance to achieve pre-designed goals.

    Feb 2005Oct 2008

    Mortgage Loan Officer

    MetroLake Capital, Inc

     Lincoln, CA

    Increased mortgage loan portfolio by developing business contacts; attracting mortgage customers; completing mortgage loan processing and closing; supervising staff. Attracted new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers.

    Jan 2004Feb 2005

    Account Manager

    New Century Mortgage

    Sacramento, CA.

    Developed and increased production on existing account relationships within assigned territory. Executed daily sales calls in person on existing and potential customers based on a self-directed sales call plan. Met with Retail, Wholesale, and correspondent branch managers to develop relationships which will facilitate contract placements when necessary.

    Mar 2001Jan 2004

    Wholesale Account Manager

    Washington Mutual Bank

    Roseville, CA.

    Responsible for establishing new business, developing current business relationships and ensuring brokers satisfaction. Reviewed initial broker application packages for completeness prior to submission. Communicated with and trained mortgage brokers on company's products, policies and procedures to ensure all loan files are complete and within guidelines. Managed production pipeline to ensure timely flow through wholesale process. Stayed abreast of indices, market changes, and underwriting guideline changes, in order to discuss the mortgage market in an informed fashion.

    Education

    20102014

    Bachelor of Business Administration - Human Resources Management

    Brandman University - Irvine, Ca

    Certifications & Licenses

    2004Present

    Real Estate Salesperson License

    California Department of Real Estate
    2015Present

    Google Analytics IQ

    Google, Inc.

    The Google Analytics Individual Qualification (IQ) is a demonstration of proficiency in Google Analytics that is available toi ndividuals who have passed the Google Analytics IQ exam.The Google Analytics IQ exam is designed to test the knowledge of digital analytics best practices and the Google Analytics platform.