• Sourced and funding multi-million dollar commercial lending opportunities• Analyzed financial statements, rent rolls to determine the subject property's financial strength. Developed a financial calculator on Excel to determine cap rate, debt coverage ratio, cash on cash return to underwrite loan applications.• Most recent transactions involved SBA purchases and refinances of owner operated motels • Identified, evaluated, and facilitated the purchase of commercial real estate • Due Diligence, analyzed third party appraisals, financials statements environmental reports, land surveys to ensure that the properties were free of potential problems. • Advanced spreadsheet and presentation skills, both in person and via webinar. Trained dozens of local Realtors on evaluating cash flowing commercial properties by calculating cap rate and net operating income. • Expert at connecting capital sources with viable projects • Owned and operated a 42,000 sq/ft Texas office building occupied by the Department of Health and Human Services • Negotiated multiple lease renewals with state lease agents, increasing net rents from $7.28 to $15/sq ft.• Screened and hired subcontractors to handle HVAC, electrical, plumbing, elevator, and security needs of the tenant. • Expert at maneuvering through multiple bureaucratic layers to obtain results and resolve issues.

• Bring new business to the bank and retain existing business, up to $40 million per commercial loan• Maintain and generate $12 million in annual loans outstanding funded by low-cost deposits to earn an acceptable net interest margin without exposing the bank to unacceptable risks• New client development, increasing client activity, maintain and managing existing client base• Portfolio management, credit administration responsibilities

 Managed the deployment of the company's products and services involving departmental or cross-functional teams focused on the delivery of new or existing products.  Planned, directed and scheduled activities on behalf of the client. Monitored the project from initiation through delivery.  Organized the interdepartmental activities ensuring completion of the implementation on / or above schedule and maintained on-going growth and customer base development opportunities.  Consistently met and / or exceed quarterly objectives: Retained existing customers within a defined account base while increasing usage levels in account base. This was achieved through continued education, entrenchment and penetration of various contact levels of a customer organization.  Orchestrated the various phases of the WebEx deployment and implementation within a designated territory of accounts through effective Project Management. Organized interdepartmental activities ensuring completion of deployments on or above schedule, and with maximum value to WebEx and its clients. Successfully maintained extensive interaction with various members of cross-functional teams to ensure focus and delivery of services and solutions.  Maintained consistent and effective pro-active communication with the assigned account base. Ensure prompt customer issue resolution with the appropriate WebEx organizations, striving for maximum customer satisfaction.  Exhibited leadership by providing suggestions for improving processes and the approach in managing customers.