Leading Commercial & Industrial (C&I) lender for a small industrial bank. Responsible for all aspects of commercial lending; business to business sales, portfolio management, underwriting and analysis, troubled loan resolution, deposit relationship management, treasury product sales, documentation and consultative business advisor.

Udo is the first customizable web-based platform of its kind and will revolutionize the way users live and interact with each other, health care providers and businesses. Udo gives the user the tools, resources, reviews and access needed to stay connected in a way that was not possible until now. Udo is a Consumer to Consumer (C2C), Consumer to Business (C2B) and Business to Business (B2B) Software as a Service (SaaS) company with proprietary and patent pending technologies. As official employee No. 1 of Udo in the start up world have had numerous varied responsibilities. Everything from leadership, funding/investor relations, team building, accounting, budgets, compliance officer, facilities, finance, FP&A, planning/structure, HR, training, growth/strategy to painting and furniture mover.

The Pinnacle Group is a collection of companies primarily in the health care space. At the peak Pinnacle owned and operated twelve sole and separate companies from home health and hospice, a physician practice, a health care coding company, real estate holdings to ADA compliant home construction and modification entities. Acted as COO and CFO and was responsible for all operational aspects of the business from day-to-day management, HR, finance, accounting, budgets, FP&A, project management, consulting, leadership, team building and marketing. Left Pinnacle full time in 2020 to create the software company, Udo, with the owner of Pinnacle to assist in the many communication barriers in the medical world.

I was recruited by Prime Alliance to build their local Commercial and Industrial (C&I) portfolio in Davis, Salt Lake and Weber counties. Prime is an aggressive locally owned and managed lending institution that has been in business for more than 10 years. Prime is ideally situated to assist businesses with their borrowing needs; everything from real estate purchase, real estate refinance and acquisition to lines of credit and equipment financing. My primary objective is specialization and consultation with business owners on general financial and operational structure in conjunction with financing options to help them meet their goals. My role at Prime evolved from loan production into being more integrally involved in credit policy, function, approval and administration, while continuing to produce new loans/relationships. Recruited by a customer, The Pinnacle Group, to begin employment as their CFO/COO and assist the company with growth, management and overall financial controls and planning.

I joined Zions Bank Credit Management in 2010 and was responsible for troubled loan resolution and restructure. I had a $70 million troubled loan portfolio and consistently was tasked to resolve the most challenging bank credits. Loan negotiation, loan restructuring, Federal auditor interaction and reporting as well as bank executive management reporting. I was able to resolve the bulk of my portfolio in eleven months and was able to move into a loan production role. I opened a new position in 2012 within Zions Bank and was tasked to create a new portfolio for Northern Utah. In this role I was a branch liaison for credits that were larger than their allowable limit. In 2013 achieved top 10 for the entire bank for revenue production (#7), in a pool of over 700 officers. In 2013 in my region I was #1 in SBA loan production, #1 in total portfolio revenue, #3 in total loan production, #1 in portfolio growth.

I was recruited by Irwin Union Bank as a VP Commercial Loan Officer. Loan production officer for C&I lending and commercial portfolio growth and management. Irwin Union in 2008 was restricted to lend by the Fed for portfolio quality for the corporation, largely by a related troubled residential mortgage portfolio held by Irwin Mortgage. I transitioned to Special Assets as Irwin Union did not have a formal troubled loan department. Was a key member of credit management in creating policies and procedures for troubled loan resolution. Voting member of the credit approval committee. I was assigned the bulk of the troubled assets in the western U.S. in Utah, California, Nevada and Arizona. Bank was acquired by a midwestern bank who decided to shut down the western markets closing the Utah office.

Hired by Bank of The West as lead underwriter and manager of the Portfolio Management (PM) department for commercial lending. Oversaw all underwriting and supervision of staff portfolio managers. All Utah loan relationships were underwritten by this department, new loans production as well as loan renewal. Loan portfolio quality review, risk rating review, portfolio quality. Transitioned to loan production role in 2006.

National Real Estate Group (NREG) and Commercial Banking. As a loan acquisition officer I was a territory representative for the North-East United States. Primary customers of NREG were lending institutions. NREG purchased, co-originated or pooled loans for purchase from banks to assist with loan concentrations for bank balance sheet/asset imbalances. NREG pooled commercial real estate mortgages to create one of nation's first commercial loan pools for sale as investment products on the secondary market. Primary customers were large banks as well as small community banks who were hitting their legal lending limits in certain asset buckets. Traveled extensively in the North-East United States and dealt with bank executive teams in loan/pool structuring, pricing and coordination.

Private Banking Relationship Manager (RM). RM for high net worth individuals and their businesses providing them with deposit products, credit products, tools for investment facilitation, asset management and asset protection. Originally began as a Portfolio Manager/Underwriter and Assistant Relationship Manager working under an established portfolio and supporting other Private Banking RM's. Transitioned and promoted to full RM. Key responsibility was for business origination to create my own portfolio.