Raising Capital for Start-up and Small Businesses either through Debt and/or Equity

Extensive financial expertise, an award-winning sales and marketing record, and the implementation of customer-centric business development strategies characterize my success as a Vice President and Relationship Manager within the banking industry. Combining these fortes with an enthusiastic, innovative, and dedicated approach to applying comprehensive product knowledge to the creation and delivery of solutions tailored to individual client needs and goals, Highlights of my strengths include:• Business Development• Relationship Building and Management• Prospecting and Market Penetration• Loan Origination and Structuring• Cross-Departmental Collaboration• Commercial, Industrial, and Small Business Loan ProvisionWith a proven ability to secure new business accounts and nurture existing accounts to optimize revenue and profits, I am confident in my ability to add value to your organization.

Provided funding to the small business owners who need to finance their business purchase, commercial real estate purchase, working capital, inventory purchases, equipment purchases, tenant improvements, and refinances. Initiated start up process and carry through the process of underwriting and funding for the business loan applicants. Originated through various means and marketed the SBA loan programs to the broker community. Worked with various referral networks through social network, on-line, off-line connections and professionals who may contact the borrowers. Generated business through various network of contacts and advised on what SBA loan is and how SBA loans can be done. Mainly devoted in the lectures and guest speaking arrangements through the real estate professional community and its sales forces. Followed up on the contacts to develop deal inquiries and established calls for their interest. Made sure that the deal is SBA loan eligible and that there are no other conditions that may turn the deal down. Met with the clients and advised what programs and the loan parameters that the borrowing may work with the borrowers. Maintained Personal Resource Test, and Eligibility Questionnaires to determine the eligibility of the business applicants for the SBA programs. Contacted Certified Development Companies and Small Business Development Centers to establish relationships for the community development and raised the awareness and interest from the development centers to raise the capital for its communities which it serve. Provided Business Loan Application and the check list to the borrowers and help the borrowers to fill out and answer the questions borrower may have. Collected all the necessary documents for underwriting and processed the loan. Worked with CPA's, Attorney's, and an accountants to serve the small business community with the professionalism and advise's that the business owners may need.

• Developed new business by contacting prospects and customers as well as cross-selling bank products and services• Originated SBA 7a, SBA Express, SBA 504, and Commercial Real Estate Loans• Conducted SBA approval process and obtained SBA approval for the bank to do business as a SBA approved lender for SBA 7a, SBA Express, and SBA 504 loans• Helped banks establish SBA department in loan origination, processing and closing• Interviewed loan applicants, collected and analyzed financial and related data to determine the general credit-worthiness of the prospect and the merits of each specific loan requests• Evaluated applicant's business and/or collateral and interim financial reports to provide loan review and consultation• Completed loan contracts ensuring thorough explaination of loan provisions to applicants

• Built relationships and solid connection with construction developers, business owners, and with commercial real estate brokers• Executed successful loan closing by ensuring proper documents to commercial lenders• Oversaw SBA 7a and 504 loan origination and loan submittal to underwriters in receiving bank approval• Interacted with SBA Government Guarantee Loan Processing Centers in Sacramento and Fresno as well as other District Offices• Increased positive customer service experience by keeping borrowers regularly informed of their loan status and thorough explanation of each step in the loan process from the beginning to the end of the funding procedures• Elevated consumer knowledge about SBA loans by holding speaking engagements to help borrowers understand about loan types and options

• Provided product knowledge and processing demonstraton to the Business Development Officers • Quoted SBA 7a and SBA 504 program details to the prospective borrowers• Prepared SBA loan packages for processing and closing• Organized SBA Information Notice and NAGGL News Bulletins• Systemized rapid processing and streamlined underwriting process with loan officers• Developed sales opportunity and marketing strategy in the local commercial real estate and local business market• Participated at the local chamber events and Economic Development Corporation in establishing leads

• Originated various commercial real estate and SBA loans• Marketed deposits for the bank and introduced new solution selling and marketing programs• Conducted seminars and lectures of various topics around tax & investments• Involved in the set up of operation and loan production office in Temecula Valley• Obtained International Business Management Certificate• Generated pipeline and exceeded production goals for the SBA department• Educated and consulted bank staff and clients on SBA loan programs• Updated internal SOP manual and set up access to SBA Processing, Originations, Closing & Servicing, Construction, and SBA Express Underwriting

• Penetrated commercial loan sales in hospitality market• Introduced and established Korean American market in Los Angeles & Orange County• Educated and trained SBA department about the fundamentals of SBA loan• Analyzed loan submission and funding trend to help strategize on sales and marketing plans• Attended Financial Services II class at NAGGLE Trainings

• Originated commercial loans• Processed residential VA, FHA, and Conventional loans• Brokered hard money loans and construction financing• Managed pipelines for residential refinances• Submitted purchase financing to various lenders

• Established bank presence in the Korean broker market• Increased direct contacts and rapport with commercial real estate brokers• Lead marketing events in Korea town for the Korean brokers association• Conducted SBA seminars at various real estate sales meetings in generating leads • Grew bank visibility and product offerings at many of the real estate offices in Korean town

• Corresponded with Korean American business and various loan brokers in San Diego in generating loan sales• Conducted seminars at the Korean American Association• Developed community relations for CRA credit• Learned SBA SOP Manuals and 5 'C's of credit• Sponsored and participated in local community events as marketing strategy• Built community relationships in San Diego Area• Originated SBA loans• Followed up with the processors and closing department• Maintained Kearny Mesa Branch SBA Loan Office