- Senior Relationship Manager for Bay Area, Sacramento and Pacific Northwest based commercial real estate clients- Provide financing solutions for commercial and residential real estate developers and investors- Focus on construction, bridge, mini-perm, perm, re-position and lines of credit

- Provide construction, term, bridge loan and line of credit financing for commercial and residential real estate developers- Manage clients' banking and cash management needs with diversified set of cash management and derivative products- Four time member of President's Club Award for outstanding performance and achievements

- Analyzed and approved credit lines for Google’s largest ads customers - Led Google Checkout Credit Team to assess risk and provide solutions for tens of thousands of active merchants in a multi-billion dollar e-commerce merchant acquirer platform- Gathered, organized and analyzed data from multiple sources to produce actionable metrics and improve credit review processes - Developed Credit Policies and Procedures as well as review process that resulted in a 40% reduction in credit losses in first year- Worked with engineering resources to build tools to improve efficiency and accuracy in merchant reviews

- Assessed existing real estate loan exposure and made recommendations to bank management regarding loan loss reserves and impairment of assets resulting in reduction in loan exposure and accurate asset valuation- Analyzed portfolio of loans to recommend best course of action including liquidation of collateral, sales of distressed debt, non-judicial foreclosure or tightly controlled build out scenarios

- Negotiated, underwrote and closed land development and residential construction loans to various Northern California-based developers- Analyzed proforma project cash flow, market trends, and developer wherewithal to make sound recommendations to the senior management regarding construction loan requests- Managed and expanded customer relationships with an existing portfolio of $75 million in outstanding construction loans

- Attended Comerica Bank’s Credit College – a formal credit training program- Monitored credit underwriting for a commercial portfolio of over $300 million in commercial loans - Spread complex financial statements to identify and analyze inconsistencies and relationships between income statement, balance sheet, and cash flow statement - Prepared loan summary and make independent recommendations to management regarding loan structure and appropriate risk rating