Oversee all aspects of the business.

- Oversee all operations of the business, including underwriting, SBA approvals, closing, and servicing- Interim Chief Credit Officer- $2,500,000 credit authority

• Managed credit department for division’s SBA group with three direct reports• Rewrote and updated credit policy and procedures for the division• Improved processes for the group to improve turnaround time and better conform with the SBA program• Worked with senior management to improve the operations, effectiveness, and profitability of the division

* Charged with establishing and growing a division dedicated to providing SBA loans to small businesses.* Responsible for all SBA-related activities of the bank.* Create marketing materials, establish relationships with the SBA and CDCs, and spearhead sales efforts for the group.* Train staff in SBA processes and procedures, ensuring that all loan requests conform to SBA guidelines.* Work with other divisions to cultivate leads and educate them in the benefits of utilizing the SBA program.

* Manager of the bank’s credit group for government-guaranteed loans, overseeing 5 direct reports (team grew from 1 to 5 over the course of three years)* $1,500,000 joint credit authority* Composed and updated job descriptions for all credit positions. Worked with HR regarding salaries for team members and successfully petitioning for higher raises for two employees* Oversaw growth of division from $27 million in annual volume to over $100 million in 3 years* Hired and trained staff, including annual review, setting and monitoring of goals, etc.* Modified credit policy manual, working with Credit Risk and bank’s chief credit officer * Actively participated, monitored, and proposed changes within the group for SBA and Bank process. Rewrote procedures manual, gave training classes, and worked with the software provider to streamline the loan process.

Supervise a team of five analysts, handling business banking, investment real estate, SBA and even some Middle Market transactions. Improved efficiences in SBA group and redefined credit guidelines.

Closely involved in the creation of an SBA division for the parent bank (American National Bank). Personally responsible for division's credit workflow.

Rose from Jr. Credit Analyst to top producer of the SBA division. Received numerous awards, including Credit Underwriter of the Year (2004, 2006). Worked closely with Sr. Management to improve efficiences and increase competitiveness.