Synopsis

Experience

President & Chief Executive Officer, 2008-Present

Senior Executive Officer responsible for leading and managing all of the operating functions of the bank. Reporting directly to the Board of Directors, also responsible for community and shareholder relations as well as developing improved skills and upward mobility for all of the bank's officers and staff.

Senior Vice President & Chief Credit Officer, 2006-Present

Executive Officer responsible for the direction and administration of Bank’s loan function including credit management, portfolio origination, collection, regulatory compliance and credit policy. Direct and manage bank’s lending activities representing 85% of bank revenue that experienced 20% loan growth in ’06 & ’07 with loan interest growth of 40%. Continue to drive greater department efficiency as loan and income growth occurred with reduced staffing levels. Recently established wholesale CRE relationships poised to drive off balance sheet revenue growth in ’08; Introduced a disciplined, risk based loan pricing model in ’07 to capture for the first time each lending relationship’s return to the bank; Improved portfolio risk management by introducing and expanding  tracking reports to enhance portfolio monitoring & collection efficiencies resulting in historical low non-performing loans (one loan) representing 0.01% of total loans at YE 07 vs. state average of 1.36%. Closely monitor & implement regulatory policy changes including recent implementation of CRE stress testing model well ahead of peers. Proactively appraise the bank’s underwriting policies and practices and recommend and implement modifications to credit policy as required by changing market conditions.

Vice President/Commercial Loan Officer/Team Leader, 2001-2006

Senior Lender providing primary support to Chief Credit Officer; Managed commercial underwriting functions & consumer loan department; Reviewed & evaluated all incoming loan packages & delegated work flow to appropriate loan officers; Managed $20MM portfolio including varied accommodations such as Letters of Credit & Foreign Exchange; Responsible for credit analysis, pricing, negotiating, structuring, approving or recommending approval of credits – C&I, CRE, & SBA loans- commensurate with bank’s portfolio goals, risk tolerance, borrowers needs & market conditions; Developed additional credit and deposit selling opportunities while maintaining requisite high quality service from appropriate departments; Monitored loan portfolio credit quality & implement risk mitigation measures accordingly; Directed collection activities to encourage prompt payments; Structured & executed problem loan work outs; Responsible for all ACH underwriting & administered all asset based collateral examinations. Target loan size: $250M-$6MM.

California Bank & Trust, Oakland, CA

Vice President/Credit Officer, 1999-2001

Responsible for credit underwriting and risk analysis for business and individual borrowers developed through the commercial and branch offices. Analyzed, assessed risk, and determined best possible loan types & structures commensurate with bank’s acceptance of risk & business objectives; Developed credit report summaries; Actively engaged in mentoring and consultant type efforts with the commercial lenders and branch officers in San Francisco & San Mateo in order to broaden both their credit and business development skills. Target loan size: $250M-$2MM.

California Bank & Trust, Oakland, CA

Vice President/Credit Officer, 1999-2001

Responsible for credit underwriting and risk analysis for business and individual borrowers developed through the commercial and branch offices. Analyzed, assessed risk, and determined best possible loan types & structures commensurate with bank’s acceptance of risk & business objectives; Developed credit report summaries; Actively engaged in mentoring and consultant type efforts with the commercial lenders and branch officers in San Francisco & San Mateo in order to broaden both their credit and business development skills. Target loan size: $250M-$2MM.

Union Bank of California, San Francisco, CA

Successfully expanded commercial loan portfolio and business deposit base by utilizing strong sales skills abilities, calling on new prospects gathered through existing referral sources – CPA’s, Lawyers, satisfied clients - and cold calling. Initiated, approved, and serviced commercial loans; Analyzed financial statements, making recommendations for loans over lending authority; Negotiated fair loan pricing and oversaw the accurate documentation of all loan types, i.e. term loans, lines of credit, real estate loans; Assured acceptable commercial loan portfolio quality through proper and timely follow up and accurate risk grading. Cross-sold services by identifying customer’s needs and fitting related bank services commensurate with customers needs.

Wells Fargo Bank, San Francisco, CA

Generated new business commitments exceeding goals of $2M per quarter. Responsible for identifying and forming profitable relationships that created value for the customer and yielded loan commitments and deposit balances for the bank. New Commitments generated through CPA’s, Lawyer’s and satisfied customer referrals; Developed an understanding of customer’s operations and industry; gathered  & analyzed the pertinent financial information to make an appropriate credit and structuring decisions commensurate with bank’s and customers interest.

Wells Fargo Bank, San Jose, CA

Primarily responsible for providing complete analysis of new loan products, loan extensions, & secured products; rendered sound business decisions through combination of experience, analysis, and sound judgment; Provided preliminary analysis of complex credits; Ensured customer retention by providing alternate products to best match customer needs. Provided quality customer service by assisting with new products/renewals. Processed and ensured that customers lending needs were met.

Wells Fargo Bank, San Francisco, CA

Generated $35MM in new loans in 1993 & 1994; Prospected externally and internally to generate leads; Discussed and reviewed the various loan products available to best match customers needs; Reviewed general requirements for qualifying; Assisted and gathered requisite financial information; Affected the closing of the loan ;Contacted other parts of the bank for additional selling opportunities.

McGuire Real Estate & Marshall Real Estate, San Francisco, CA

Solicited buyers & sellers through mailings, open houses, cold calls, floor time, and contacts through family, friends, and former clients; Defined clients needs; Located properties suitable for clients needs; Suggested negotiating strategies regarding sales price and conditions; Researched & located best available financing; Acted as intermediary between seller, buyer, title company, and lender; Arranged property inspections; Negotiated credits for remedial work; Closed deals in timely manner.

TMD & Associates, San Francisco, CA

Assembled limited partnerships; Located prime properties with promising upsides potential; Analyzed upside potential; Reviewed findings with partners: Drew up offer: Sold the offer to seller: Negotiated price and terms; Arranged financing and property inspections; Negotiated remedial work and financing terms: Managed development/renovation of properties; Managed property for holding or sale.

Education

University of California, Berkeley, CA

Awards

Pacific Coast Banking School, University of Washington, Seattle, WA (2007)

Graduate Honors – Thesis selected for inclusion in School Library (Top 10% of Thesis Papers); “Best Deployment of Bank’s Enhanced Capital from Recent IPO to Optimize Shareholder Value”

1994 Pinnacle Club Winner (Top 10% of Mortgage Bankers in California)  

Highest Ranking Mortgage Banker in San Francisco for Dollar volume and loans boarded in 1994

Highest Ranking Mortgage Banker in San Francisco for Dollar volume and loans boarded in 1993

Contact Information