Charles Ramsey Email and Phone Number

Responsible for managing bank's commercial special assets division to minimize loan losses to the bank.

Provide resolutions to a diverse range of complex problem loans. Responsible for the workout of adversely graded loans through the restructuring of debt, negotiation of settlement agreements, pursuit of appropriate legal action and/or the liquidation of collateral. Advanced knowledge as a specialist of commercial/business lending, lending law, bankruptcy law and cash flow analysis.

Responsible for working with banking clients, small businesses, assisting with financials, underwriting and preparing credit memorandums, and loan submission packages. Liaison with small businesses, lending institutions, and government partners. Loans include SBA and conventional. Clients include Golden Pacific Bank Sacramento and Bay Commercial Bank Napa www.chuckramsey.net

Responsible for internal control and corporate governance concepts throughout the business. Execute operational, financial, and compliance audits. Identify opportunities for process improvements.Leverage insights and understanding of the company in identifying risks and potential areas for audit. Interface with external loan auditors.

Responsible for underwriting SBA 7(a), 504, and conventional loans to ensure program eligibility, business viability, and repayment ability. Mentored junior credit officer.

Responsible for reviewing Lender's Credit Memorandums and full submission packages for SBA 7(a) and ARC loan guaranty requests to ensure program eligibility, lender compliance, and repayment ability. GS-12

Responsible for credit analysis, approval/recommendation, monitoring credit quality, servicing, and liquidation for SBA loan portfolio. Credits also included conventional real estate, construction, term loans, and lines of credit. Mentored junior credit officer. Assisted bank in achieving #1 SBA lender ranking in the North Bay.

Responsible for establishing and managing customer relationships, credit approval/recommendation, credit quality, documentation, servicing of commercial, real estate, and SBA loan portfolios.Designed and implemented a more proficient commercial underwriting spreadsheet.Initiated and obtained SBA Express and PLP authority status for the institution.

Responsible for structuring, underwriting, and documenting SBA 7(a), 504, conventional loans.

Responsible for bank's Sacramento SBA loan office including underwriting, credit quality, documentation, and servicing.

Responsible for credit analysis, approval/recommendation, documentation,management of small business lending SBA portfolio. Credits included SBA 504, SBA 7(a), construction loans, and business lines of credit.$3MM single signature authority. Responsible for second signing credits and mentoring junior credit officers.Completed formal commercial credit training program which included RMA-Omega, graduate level accounting and finance, preparation of credit memorandums and… Show more Responsible for credit analysis, approval/recommendation, documentation,management of small business lending SBA portfolio. Credits included SBA 504, SBA 7(a), construction loans, and business lines of credit.$3MM single signature authority. Responsible for second signing credits and mentoring junior credit officers.Completed formal commercial credit training program which included RMA-Omega, graduate level accounting and finance, preparation of credit memorandums and presentations.Managed staff of 13 direct reports. Show less