Dean Mcbeth, Lrp Email & Phone Number

Pleasanton, Ca.

The Loan Review Manager reports to the Senior Vice President of Risk Management of the Credit Union. The objective of the loan review program is to provide the Credit Union Advisory Committee, Executive Management, Lending Units, Risk Management, Internal and External Audit and Credit Union's Regulatory Authorities with an independent analysis and assessment of lending practices and lending programs of the Credit Union. The objective is obtained through loan review activities that comment on:- The quality of credit risk management practices over the portfolio or lending unit- The overall quality of the portfolio under review- The direction/trend in credit risk- Lending Management adherence to established lending policy and procedure- Compliance with applicable laws, regulations and regulatory guidance- The adequacy of key portfolio reports used by management to supervise business activity, and report on the level of credit risk to Executive Management and the Supervisory Committee of the Board of Directors.The Loan Review Manager is responsible for the analysis, review and compliance of the entire credit union loan portfolio. The portfolio of Business loans will be reviewed on an ongoing basis over the entire Purchased Business loan portfolio. There will also be a complete on going review of the Small Business Administration (SBA) loan portfolio. The Consumer and Mortgage portfolios will be reviewed on an exception basis taking into account scope and risk parameters. The Delinquency Process and Allowance for Loan and Lease Losses (ALLL) will also be reviewed as part of the loan review process taking into consideration risk grading and adherance to regulation and law.

Pleasanton, California

Vendor Management - Vendor Management is defined as an active and ongoing evaluation discipline of the business relationship between the customer and vendor to ensure a certain level of achievement in service, quality, cost and satisfaction.- Participate in vendor selection- Monitor the vendor's performance- Communicate with the vendor consistently and effectively- Schedule regular quarterly meetings for strategic partners- Contract negotiations/review- Identify Service Level Agreements (SLAs) and performance reporting needed for service delivery- Evaluate proposals and conduct Request for Proposal (RFP's)- Perform Risk Analysis and Key Metrics Reporting

Bank Of The West Administrative Headquarters - San Ramon Ca.

At Bank of the West,this engagement is to work on Dodd Frank Act projects and other compliance requirements for regulations and laws which apply to real estate secured loans, home equity loans and lines of credit, mortgage loans and a small group of consumer construction loans.

San Jose, Ca

Part of consulting team reviewing banks for compliance, loan review and audit objectives when assigned.

Santa Barbara, Ca

The objective of the Internal asset review program is to provide the Bank's Audit Committee, Executive Management, Lending Units, Internal and External Audit and the Bank's Regulatory authorities with an independent analysis and assement of the lending practices and lending programs of the Bank. The objective is obtained through Asset Review activities that comment on:- The quality of credit risk management practices over the portfolio or lending unit- The overall quality of the portfolio under review- The direction/trend in credit risk- Lender, Lending Management and Credit Administration adherence to established lending policies and procedures- Compliance with applicable laws, regulations, and regulatory guidance- The adequacy and accuracy of key portfolio reports used by management to supervise business activity, and report on the level of credit risk to executive management and the Board

Manage Lending, Note Department, Enterprise Risk Management and Compliance Functions for the bank. Created Impairment Analysis methodology and formatted loans in proper form and function. Manage Reserve for Loan Loss factoring in qualitative and quantitative analysis. Manage ongoing credit analysis. Prepare all reports for the Board of Directors Meetings and Directors Lending and Compliance\Risk Management Meetings.Reports to the CEO and is responsible for planning, organizing, directing and controlling the Bank's lending, risk management and compliance activities Responsible for Bank's overall loan portfolio and its administrationMonitors lending and compliance activities to ensure that applicable Bank lending and compliance policies and practices are followed and that new loans acquired provide maximum profitability to the bank and are within regulatory and risk guideline parameters.Work with legal council on all foreclosure and/or fraud issues.Represents the Bank to various regulatory and professional agencies, other financial organizations, trade associations and external public meetings and functions

performing inspection functions for banks on an outsource basis for loan review, internal audit and compliance management. Service Agreements with various consulting firms as a sub-contractor.Troubled loans brought to the attention of senior management allowing formulation of a risk plan.

Management of operations risk management function within the bank's loan operations group with a proprietory software program from Merrill Lynch titled "Socrates". Managed process of changing interest rates, indices, guaranteeing new loan products were adequately tested on servicing system. Reviewed internal controls that pertain to Sarbanes Oxley and Operational Risk.Designed and implemented processes to monitor stocksMade recommendations to process changes to assure risks were adequately controlled and efficiencies improved.

Created and managed Internal Audit Department providing extensive internal controls and development of policies and procedures contributing to enhanced profit margins and efficiency of operations. Managed loan reviews of bank portfolio consisting of commercial real estate, construction, and multi-family loans insuring that all financial internal controls were met with strict adherence to banking laws and regulations. Developed, from inception, and ran full service Internal Audit and Loan Review Department.Responsible for complete FDICIA internal control monitoring program bank wide and Uniform Single Attestation audit program for the mortgage bank operations and servicing department ensuring the bank remained compliant, exceeding expectations of quality.

in-charge of audits for bank branches and functional units resulting in consistency of the highest degree of quality. Undertaking included analyzing audit information guaranteeing policies, procedures, and practices conformed with board policies, internal procedures, banking best practices, conforming to applicable banking law, statutes, and regulations. Reported findings to Senior Management.Produced risk based internal audit and loan review programs adding to an increase in revenue by 30%, contributed to the enhancement of audit and risk coverage, insuring direct accountability.

Managed loan reviews of commercial, commercial real estate, consumer and dealer financing which contributed to an effective and efficient operation. Provided leadership for internal audit and enterprise risk management functions, ensuring compliance with financial, operational, electronic data processing, and branch standards.Developed, from inception, and ran full service Internal Audit/Risk Management and Loan Review Department. Responsible for defalcation and fraud analysis.Formed Internal Audit, Risk Management and Loan Review Department providing extensive internal controls. Developed policies and procedures resulting in superior profit margins and reduced losses.Developed risk scenarios whereby fraud and defalcation scenarios were analyzed and prosecuted through data acquired in the Federal Deposit Insurance Corporation Improvement Act Internal Control Analysis.

Managed department responsible for all department audits within the bank.Developed risk based audit programs for all bank departments including Trust Department providing extensive internal controls.Auditor assigned to work with CPA firm each year on the Director's Examination.Coordinated with bank's risk manager, compliance officer and security officer on bank defalcations and fraud analysis and prosecution.

Certification-Designated Loan Review Professional (Lrp), Loan Review

Masters, Banking & Finance

Bachelor Of Arts, Business Administration

Activities and Societies: Kappa Sigma Fraternity Football Basketball Baseball