Managed loan portfolio and originated new loans at community bank for five years. Responsible for business development and managing $25MM book. Originated new loans from existing clients and developed new credit and deposit relationships via marketing and referral sources. Proficiency in analyzing, structuring, underwriting, and negotiating various types of loans, including investor real estate, asset-based, and SBA 504 and 7(a). Completed three year certificate program in bank management (MBA equivalent) from Pacific Coast Banking School while working full time.Concurrent with relationship management duties, performed underwriting for pool of loan officers and eventually established and managed credit analyst department. Streamlined underwriting process and directed the implementation of new software used in credit analysis. Played an integral role in establishing sound risk management practices within the bank conducting quarterly capital stress tests, facilitating the development of an updated ALLL methodology, and presenting profitability and risk assessments as a member of Asset & Liabilities Committee.

Financial analysis, underwriting, and maintenance for $50 million portfolio in professional and corporate banking unit. Customer base comprised primarily of privately-owned businesses within the medical field and high net worth individuals. Production consisted of approximately 50 loan presentations including underwriting $20 million in new commitments.

Bookkeeping, cost accounting, managing work in progress reports, and generating financial statements for general contractor that specialized in bid work and public projects. Job entailed highly responsive reporting of financial data directly to owners/management for use in budgetary and strategic decisions. Implemented advanced control methods and financial reporting which enabled bonding on larger jobs and was a critical factor in the company increasing annual revenues from $6 million to $10 million. Directed and executed conversion of accounting software from Quickbooks to Masterbuilder.