David Leal Email & Phone Number

I am a dynamic, forward-thinking professional with over 20 years of experience leading high-performing teams and managing complex credit portfolios across diverse industries. My deep expertise in strategic decision-making, regulatory compliance, credit policy development, and audit management has consistently driven business success. I am passionate about leveraging my extensive knowledge and experience in credit, risk management, and leadership to foster organizational growth, streamline operations, and align critical strategies with company goals.As Head of Credit at Golden Pacific Bank (a division of SoFi, N.A.), I have led a high-performing team focused on commercial underwriting and loan servicing, fostering a culture of excellence and continuous improvement. With a hands-on approach, I oversee all aspects of credit policy development, ensuring alignment with company goals and regulatory standards. Notable achievements include achieving year-end loan growth within 6 months, successfully booking $65M+ in CRA loans, and redesigning and implementing comprehensive credit policies. I also contribute strategically as a member of the Credit Committee for the Yuba Sutter Economic Development Commission and the Rocky Mountain Community Reinvestment Corporation.In my previous role as Senior Vice President and Regional Underwriting Officer at AgWest Farm Credit, I drove exceptional performance by underwriting 600+ deals annually, exceeding regional deal volume by 150%. I was instrumental in building and mentoring a top-tier Credit Analyst team, enhancing operational efficiency, and creating best practices that shaped the Association's underwriting processes. My leadership contributed to the success of a $3B agricultural portfolio and earned me an invitation to the prestigious Pacific Coast Banking School, reflecting my commitment to continuous professional growth.My extensive experience spans commercial lending, agricultural lending, credit risk management, and relationship building across various sectors, from vineyard financing to commercial portfolio management.

Listed skills include Loans, Banking, Credit, Financial Analysis, and 7 others.