Manage a commercial deposit and loan portfolio for a community bank in Galveston County with a strong emphasis on penetration of Harris and surrounding counties through the use of advanced technology such as remote deposit capture and internet banking. Gained extensive experience gathering, processing, and analyzing corporate financial data, and industry trends to develop statistical models and forecasts measuring financial risk. Performed financial modeling with Excel to predict the effect of income statement adjustments to overall profitability, and to provide insight into account management.Key AchievementsIntroduced bank to merits of Government Guaranteed Lending.Generated significant non-interest income via government loan sales.Advised a local auto service chain growing from 2 to 8 locations with a multi-market expansion. Annual revenue increased from $1.5 million to over $8 million in sales.Helped a local energy sector supplier transition from strictly a product broker to a full service fabricator providing custom orders to international oil producers.Restructured debt for a local restaurant chain thus improving cash flow by 30 percent.

Managed a commercial portfolio, meeting production quotas, and minimizing credit exceptions, and maintaining a currency rate of better than 99%, growing portfolio from 0 to $22 Million in less than 2 years. Provided recommendations and guidance to board, customers, and potential borrowers as related to current economic conditions.Key AchievementsAcquisition of a 60 year old service company in Houston, TexasSuccession/ Acquisition of a 30 year old fabrication and powder coating facility near Bryan, Texas.Restructured debt for an international textile supplier resulting in a 25% increase in cash flow.Upgraded machinery for land clearing company resulting in a more efficient business operation.

Served instrumental role in all phases of development of Sterling Banks SBA Lending Group, including underwriting, packaging, closing, hiring and training of staff, development of systems and procedures, loan sales, vendor coordination, facility build-out, and management of P&L. Earned and maintained Preferred lender status in multiple Texas markets, and was deemed “substantially compliant” through SBA audit process three consecutive years. Addressed Boards, Trade Organizations, and Officer Development Programs classes on various types of lending programs and their benefits for both bank and borrower.Key AchievementsExceeded profitability projections by 300% in first full year of operation.Developed internal referral network that was beneficial to department and bank branches.Helped a local energy sector supplier transition from strictly a product broker to a full service fabricator providing custom orders to international oil producers.Restructured debt for a local restaurant chain thus improving cash flow by 30 percent