Brenda Winter Email & Phone Number

Clearwater, Fl, Us

Clearwater, Fl

Providing lending guidance and SBA expertise to our Florida team and small businesses through-out the state, making dreams happen one loan at a time. As a PLP preferred lender, our experienced SBA team and I are here to guide you efficiently through the process from application to closing.

Tampa/St. Petersburg, Florida Area

Responsible for directing and leading the bank's SBA/governmental lending division. The bank is poised for growth and we're aggressively soliciting new clients for 7a, 504 and USDA guaranteed loans. We offer competitive financing options for the acquisition of owner-occupied real estate, improved, expansion or for new construction, partner buyouts, equipment, franchise start-ups, and debt refinancing not otherwise attainable without the benefit of an SBA or USDA guaranty. Benefit of an SBA or USDA loan includes lower up-front equity injection, extended loan maturities with no balloon payments or prepayment penalties on loans with maturities less than 15 years.

Tampa/St. Petersburg, Florida Area

Consulting services tailored to small businesses to achieve balance sheet improvement in preparation of new financing, debt re-organization, or negotiations with existing lenders.

Tampa/St. Petersburg, Florida Area

Underwriting and financial analysis of SBA 7A, USDA and conventional loans, adhering to the bank's internal and SOP policy. Engage all due diligence of assigned credits, as well as, assist routinely the closing department to increase monthly closed loan volume of both SBA and conventional loans, improving the turnaround of secondary market sales of 7A and USDA loans.

Tele-Commuter

Perform commercial loan underwriting, financial and industry trend analysis for new SBA 7A and 504 loans, with recommendations to senior management and credit committee. Participate with loan processing team members and loan officers to oversee all terms and conditions of approval are satisfactorily met, ensuring a timely closing. Responsible for all appraisal reviews and facilitated modifications as needed post-approval.

Tampa/St. Petersburg, Florida Area

Offering high quality fashion jewelry through personal home shows, corporate, chamber and vendor events.

Tele-Commuter

Post-closing loan review and QC due diligence to facilitate the pre-litigation of title claims averaging between $1MM and $10MM. Financial and loan documentation analysis to aide in the collection of NPA's in pre-foreclosure phase. Positive rebuttal analysis for Freddie Mac and Fannie Mae to negate re-purchase demands.

Tampa/St. Petersburg, Florida Area

Forging new business relationships and developing custom marketing solutions through strategic and personalized design, print, web, mail, and fulfillment in a cost effective manner.

Tampa/St. Petersburg, Florida Area

Managed a $70+MM loan portfolio to include collections, financial monitoring, loan restructures, renewals and initial legal actions. Completed financial risk analysis and underwriting for all new and renewed loans. Developed an SBA Lending Program to conservatively grow the bank's C&I lending, while simultaneously reducing the bank's high concentration in commercial real estate.Oversee the preparation of all new and renewed loans internally or direct with legal counsel adhering to all compliance laws and to ensure perfection of all collateral while adhering to all bank policies and conditions as set forth in the Loan Authorization.

Tampa/St. Petersburg, Florida Area

Managed a $45+MM loan portfolio to include collections, financial monitoring, loan restructures and renewals. Increase loan outstandings by expanding existing customer relationships and the addition of new customers. Completed all financial risk analysis and underwriting of new and renewed loans that adhere to loan policy.

Tampa/St. Petersburg, Florida Area

Commercial Loan Officer in the bank's Largo office responsible for loan production, deposit gathering, recognizing opportunities for sale of lockbox services and 1031 exchange services to increase bank's non interest income. Performed quarterly risk analysis on all sub standard portfolio loans, providing equitable work-out solutions and direct oversight of borrower's compliance. Monthly administration of dealer portfolio loans to include funding, collateral exchanges, deposit reserve and ratio/covenant monitoring.

Tampa/St. Petersburg, Florida Area

Responsible for the management of a $50+MM loan portfolio to include collections, financial/covenant monitoring, loan restructures, renewals and initial legal actions. Increase loan outstandings by expanding existing customer relationships and development of new relationships. Structured all credit requests and completed preliminary financial analysis in advance of submission to credit department. Oversight of the preparation of all new and renewed loans internally through centralized documentation department or with bank's counsel, adhering to bank policies, conditions set forth in loan approval and proper perfection of collateral. Increased deposit accounts and recognized opportunity for sale of treasury management, investment, life insurance services, residential mortgages, factoring and third party equipment financing. Initially served as Loan Administration Officer, managing the centralized documentation team for preparation of all consumer, commercial and real estate in-house documentation for 6 branch offices. Prepared all in-house documentation utilizing LaserPro and directly negotiated all attorney prepared documentation to adhere to policy and all compliance laws. Performed all pre/post closing loan review, tracking of policy exceptions and preparation of lending department board reports. Managed the LaserPro program as administrator building all policies and standard loan products and performing all system updates and modifications as needed with changes in compliance laws and/or Loan Policy revisions.Served as Branch Manger for two years with a staff of 7, increasing deposits by 44%, improving deposit mix to reduce interest expense, managed a $25MM consumer and small commercial loan portfolio and had new loan production of more than $15MM.

Tampa/St. Petersburg, Florida Area

Processed all approved C&I, CRE and SBA loans, clearing all necessary due diligence and conditions of the loan for closing. Responsible for preparation of in-house loan documentation or the negotiation of documents prepared by outside counsel.

Graduate Florida School Of Banking, Banking/Finance

Accounting And Finance