Q2 Business Capital is a boutique firm built on a legacy of success. We're not your typical lender. We ask, we listen, we think...we make more possible. Our elite team of partners is empowered to make decisions and devoted to delivering a world-class experience. I work closely with our borrowers to facilitate smooth and successful SBA loan closings.

Oversee the day-to-day operations of the SBA loan portfolio- 2017 mid-year application volume by 62.5% over 2016 FYE- 2017 mid-year closure rate by 42.5% over 2016 FYE- 50% increase in closed loan amounts mid-year from 2016Ongoing development of new procedures to streamline processes and improve efficiencies

Oversee the day-to-day operations of the Commercial Credit Department of a “Top 10” nationally recognized SBA lender.Managed a team of 26 employees ranging from managers, commercial credit analyst to closing loan processors.Ongoing development of new procedures to streamline processes and improve efficiency.Increased closure rates from 22.7% to 61% in one year, maintaining YOY improvements of 3% with a 67.6% closure rate in 2015 FYE.- Averaged 33% YOY increase in dollars closed… Show more Oversee the day-to-day operations of the Commercial Credit Department of a “Top 10” nationally recognized SBA lender.Managed a team of 26 employees ranging from managers, commercial credit analyst to closing loan processors.Ongoing development of new procedures to streamline processes and improve efficiency.Increased closure rates from 22.7% to 61% in one year, maintaining YOY improvements of 3% with a 67.6% closure rate in 2015 FYE.- Averaged 33% YOY increase in dollars closed from 2011 ($72MM) through 2015 ($225MM). - Achieved an average of 35 days to close in 2015 FYE.- Successfully managed service level objectives of 4 days to approval on complex SBA loan submissions upon receipt of complete loan submissions from Business Development Officers. Developed and implemented the Bank’s initial imaging system platform.Identified and implemented the use of enhanced loan documentation processing. Thus reducing data entry points from 3 to 1. Improving overall loan processing efficiency and reducing critical compliance errors and risk.Identified the Bank’s current processing system and collaborated with vendor development teams to establish enhanced functionality to further reduce processing times, reduce errors and enhance compliance adherence. Managed the onboarding of the Florida satellite site, providing ongoing operational support including funding, onboarding of loans and compliance liaison.Collaborated with CLO to enhance the Bank’s Credit Policy. Ensuring clear and compliant policies and practices.Successfully refined established Small Loan ($350M and Under) policies and procedures, resulting in a successful Bank wide portfolio of over $100MM in Small Loans in 2015 FYE.Successful employee recruitment, resulting in a talented underwriting and closing staff. - 10 personally recruited team members promoted to leadership roles throughout the Bank within 12-24 months of employment. Show less

Responsible for the analysis and closing of commercial credit, consumer credit, financial data and business economics to form an opinion on leveraged loan packages and commercial lease applications.Responsible for Commercial Adverse Action Compliance.Established the Bank’s internal process and procedure documentation.

Responsible for the analysis of commercial credit, consumer credit, financial data and business economics to prepare and present SBA/USDA loan proposals to Credit Committee for approval.SBA/USDA Loan Processing and ClosingResponsible for Commercial Adverse Action Compliance

Responsible for evaluating available commercial credit, consumer credit and financial data to form a credit opinion on commercial lease/lease loan applications.Review final contract documents to ensure proper documentation, approval stipulations are received and authorize funding on lease/loans.Established process and procedures for Marlin Business Bank.Managed start up of the Healthcare and Utah Retail portfolios.Effective interaction with sales team developed strong and… Show more Responsible for evaluating available commercial credit, consumer credit and financial data to form a credit opinion on commercial lease/lease loan applications.Review final contract documents to ensure proper documentation, approval stipulations are received and authorize funding on lease/loans.Established process and procedures for Marlin Business Bank.Managed start up of the Healthcare and Utah Retail portfolios.Effective interaction with sales team developed strong and functional working relationships.Exceeded processing metrics.Completed packet preparation and credit recommendations on large ticket applications.Managed vendor portfolio’s to effectively reduce risk and losses.Identified a number of process/functionality gaps, and then worked to identify and implement corrections.Provided educated recommendations that resulted in credit policy modifications to reduce risk.Participated in compliance evaluations.Successfully managed increased volumes caused by downsizing.Managed 99% of the departments funding packets.Provided overflow support for other credit branches.New hire training and mentoring. Show less

Client Dev./Project Mgmt., 11/05 to 5/06Collections – Unit Manager, 2002 to 11/04 Credit New Account – Unit Mgr, 11/04 to 11/05Collections – Team Lead, 2000 to 2002Operational responsibility for multiple Client start-ups, system conversions, employee score carding, COB readiness and multiple site committees.Operational responsibility for successful client de-conversion.Ranked 13th out of 48 in management “Voice of the Employee” survey.Managed NCL rates, obtaining… Show more Client Dev./Project Mgmt., 11/05 to 5/06Collections – Unit Manager, 2002 to 11/04 Credit New Account – Unit Mgr, 11/04 to 11/05Collections – Team Lead, 2000 to 2002Operational responsibility for multiple Client start-ups, system conversions, employee score carding, COB readiness and multiple site committees.Operational responsibility for successful client de-conversion.Ranked 13th out of 48 in management “Voice of the Employee” survey.Managed NCL rates, obtaining 2% year over year improvements.Obtained the 1st bucket one flow rate under 20% in commercial credit for the company.Established unique collection and dialer strategies, enabling department goals to be surpassed for 12 consecutive months for bucket 1, 2 and 3. Managed department of 84 employees for an extended period of time.“Top Collector” for 12 consecutive months.Received “One” rating (Outstanding) on month end evaluations for 24 consecutive months. Show less