Decision commercial loans and oversee the portfolio in a multi state region.

A credit professional in a community bank with $150 million in assets. Responsibilities include policy and regulatory topics, business development, loan underwriting, client relationships, audit functions, and Board of Director reports. • Re-establishing a market presence in the community.• Building a commercial lending team with a focus on Maricopa County.

Achieved a long term, successful career progression with earned promotions and increased responsibilities over an 18-year span of time, beginning with credit risk functions expanding from the Southwest region to a Nationwide focus in 2007. Added compliance and operational risk responsibilities in 2012. Most recent experience centered on credit and portfolio management functions in support of U.S. Small Business Administration (U.S. SBA) 7a, 504, and Express loan programs with related compliance/operational risk duties. Grew the business to become the largest originator of SBA 7a loans nationwide with over $2 billion in annual new loan production. ● Decisioned the largest or most complex loan requests up to $10 million in loan commitments for the entire domestic market generated from six underwriting centers often involving shared customer relationships with other bank departments. ● Directed loss forecasting activities to include budgeting, rolling forecasts, and stress testing. Presented forecasts/results to Corporate Credit and Sr. Risk Officers to drive better decision-making and integration of business results.● Developed and operationalized compliance and operational risk policies as the first line of defense impacting 485 team members nationwide in sales, credit, closing, and portfolio management roles. ● Evolved the credit policy to create expanded lending opportunities using loan portfolio metrics and program requirements consistent with sound lending practices, corporate requirements, and business banking policies.● Consulted with U.S. SBA officials to partner on proposed policy and program changes to maximize program effectiveness and streamline their implementation. ● Collaborated directly with senior U.S. SBA officials on portfolio trends and defaulted loan resolution resulting in lower loss risk for the U.S. government. ● Oversaw the 35-member portfolio management team servicing 17,000 accounts from two regional centers.

Regional credit manager in support U.S. Small Business Administration (U.S. SBA) 7a, 504, and Express loan programs. Progressed in responsibilities from the Southwest region to a nationwide focus in 2007.

Developed a business lending group, originating U.S. SBA 7a and 504 loans into one of the largest loan originators in Arizona and supported a multi-state sales team with centralized underwriting, loan closing, and portfolio management.

Established U.S. SBA loan production office. Coordinated credit approval process and analysis of borrower requests.

Originated and serviced small commercial and consumer loans.

Examined state charted banks for safety and soundness criteria. Developed the computerization of field reports and trained field examiners.

Consumer lending origination and collections.