-Manage a portfolio of over 40 residential loans -Rate Lock and review initial underwriting of newly submitted residential loan files -Audit and verify all supporting documentation relating to loan request -Perform verbal verification's of employment -Coordinate opening of escrow with various title companies -Order appraisal's for new loan requests -Ensure investor loan requests meet investor guidelines for underwriting and supporting documentation-Prepare loan files for presentation to Executive Loan Committee-Communicate with Executive Loan Committee regarding underwriting and credit risk issues -Reviewing appraisal to ensure collateral is in acceptable condition and to address any issues the bank may need additional information on -Discuss various loan products with Relationship Manager's -Ensure compliance of all Federal Regulation's including Reg B and TRID-Communicate with multiple bank departments to ensure loans are processed in a timely manner -Contribute to a positive and client first experience for all existing and new clients -Reviewing insurance policies to make sure acceptable coverage is provided given the collateral at hand

-Manage and provide ongoing maintenance of customer loans, including constant monitoring of credit exposure -Analyze complex financial statements to identify possible credit risks and concerns -Use bank credit policy to verify customer compliance with regards to financial reporting and covenants -Ensure that all customer files adhere to federal regulations standards -Approve and process advances from customer loans, as well as pay downs. -Initiate outgoing wires for customers-Monitor all request for loan funding and out going wires to make sure all customers have been properly identified/verified -Risk Rating customers on a regular basis with focus on their financial history, company history, investor support, management history, and working relationship with the bank-Manage a portfolio of over 50 companies with respect to financial compliance and constant monitoring of proper internal documentation for each customer -Provide training and guidance to new credit staff members -Constant communication with other internal bank departments to ensure any problems/ issues are resolved for customers in a timely manner -Provide administration support to four Technology and Life Sciences officers -Customize and provide new lending customers with new borrower kits to aid in ease of monthly financial reporting -Analyze complex borrowing bases specific to formula loans -Monitor Formula loans including A/R and MRR deals

•Provided credit analysis and administration support to seven collection officers•Conducted financial and tax analyses of personal and commercial financial statements•Performed annual and interim risk ratings for problem loans •Accessed multiple databases and conducted reviews to ensure credit agreements complied with bank policy and federal regulations•Ensured proper recording of all credit agreements on a quarterly basis•Communicated with multiple functional units across the bank to onboard new credit agreements transferred to the Specials Assets Group•Monitored financial covenants of clients to verify compliance•Partnered with underwriters to create collateral plans for specific clients and various financing products •Generated and tracked monthly reports pertaining to clients and various credit products•Ensured proper storage of confidential informationHighlights:-Recognized by Group Manager for being the only credit support staff during the second quarter of 2012, supporting 7 special asset officers.-Received excellence circle award for 2012 for providing outstanding credit administration support and contributing to the over all success of SAG collections goal.-Contributed to Special Assets western market record collections for 2013 of $162M.

•Daily opening and closing of banking center.•Maintaining an accurate cash drawer daily.•Updating customer information.•Running daily product reports and creating weekly sales tracking reports to ensure banking center is on track to meet monthly sales goals. •Collecting time sensitive customer documentation from bankers to distribute to the necessary internal departments for review.•Cross-sell banking services and products to clientele.•Participate in community events to position the bank as a leader within the community.•Daily auditing of personal work and the work of fellow employees to ensure procedures are being completed to compliance standards.Highlights: -Recognized twice within the first six months at the Willow Glen office by Regional Manager for ranking in the top tier for Customer Service Representatives (Western Market) for sales. -Partnered in developing a strategic marketing campaign with managers targeting small businesses within the community to help generate banker referrals and further establish the bank as a positive community member within Willow Glen.

•Assisted in daily operations for a retail bank, including branch sales, business development, customer service, and credit analysis.•Counsel customers on credit management and retirement saving.•Analyzed financial statements and cash flows to determine creditworthiness of prospective customers.•Communicated daily with underwriters in the lending department to ensure customer met all loan qualifications and that all the proper documentation was submitted. •Counseled clients with regard to their borrowing needs.Highlights: -Top sales performer every quarter, for two years consecutively. -Partnered with management to conduct annual compliance meetings to ensure banking center was up to date with government regulations.-Established valuable connections for the bank through out the local community to ensure sales goals were accomplished.-Assisted in the training of new employees to ensure proper understanding of banking operations.