Jonathan Willis Email & Phone Number

Ventura, Ca, Us

Credit Quality/Portfolio Management: Currently managing a CRE portfolio over $250 million. While maintaining a strong customer focus and customer relations, assesses and monitors a commercial and private banking loan portfolio. Understands, adopts, and adheres to the Bank’s Loan Policy. Provides accurate assessments of credit risk as exhibited by proper risk ratings, comprehensive and accurate credit applications submitted for approval, solid loan recommendations and proposed structures. Understands loan documentation. Maintains comprehensive and current credit files. Monitors risk (delinquencies, overdrafts, etc.). Provides timely information to management regarding potential portfolio issues.

Goleta

New duties include providing detailed analysis of Financial Statements and credit histories for sales personnel to assist in the administration of commercial borrowing accounts. Perform annual reviews on HELOC and SBA loans. Perform Commercial Real Estate and SBA Underwriting. Provide leadership in all components in Construction Lending. Other duties include assisting in portfolio management. Formerly responsible for the Appraisal process for the Bank. Duties include requesting bids, assignment of orders and appraisal reviews.

Served in key analytical support position involving Enterprise Risk Management (ERM) for a major state bank with 12 branches, 200+ employees, and $1.1B in assets.Researched and generated statistical reports vital to the bottom line, among them risk analysis of banking processes and products. Reported directly to Chief Risk Officer and Executive Vice President and submitted strategic planning, policy, and procedure reports to Board of Directors. Collected information, generated rated assessments, conducted surveys in compliance with SOX regulations, and presented results to management, updating information weekly, monthly, or quarterly. Conferred with executive staff on outstanding audit issues. Developed, initiated, and managed databases and monitored industry trends for improvements.

Provided mortgage and credit analyses for an established financial institution specializing in commercial, multifamily, and construction loans and full-service banking.Reviewed client financials, property appraisals, title policies, credit reports, and all business documentation submitted with loan requests. Verified accuracy of all pertinent information and underwrote files. Interfaced with brokers, clients, loan officers, funders, and underwriters. Helped prepare Portfolio Management Report for Construction Department.

Masters, Business Administration

Activities and Societies: Activities during this time were raising two young children and working. Other events included church events.

B.A., Physical Education

A.A., Liberal Arts

Education record