32 years experience with Santa Barbara Bank & Trust from 1991 through 2012 at which time Union Bank purchased the SBB&T. Continued as a Business Banking Relationship Manager with Union Bank from 2012 through 2023 of which U.S. Bank acquired Union Bank. My primary areas of focus include sales and marketing responsibility for developing high levels of financing lending, fee and treasury services business from moderate to complex client and prospect base. I spend 50% of my time in customer development activity and remainder of my time is spent in portfolio management which includes extensive knowledge of business banking policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis and Accounting skills. Proven sales and marketing skills always ranked in top 15 in revenue production out of 80 Business Banking colleagues within the entire Business Banking Division across California, Oregon and Washington for the past 3 years under Union Bank and consistent top producer throughout years with Santa Barbara Bank & Trust. Excellent organizational skills and time management skills.