Customize training for SBA credit departments: Contract Underwriting. SBA loan Review and Risk Rating.Training includes:* Eligible Borrowers and Project Costs* Affiliation* Project Structuring* Credit Analysis* Assessing Management Capability* Appraisal requirementsUnderwriting includes:* 504, 7a and B&I loans * Conventional commercial loans* Construction loans.

Providing Lender Service and Management Consulting to the SBA Lending industry

Manage asset quality and articulate credit issues with regulators and other government loan guarantying agencies, as well as develop and maintain the credit culture of the Bank. Responsible for determining ALLL and measuring and monitoring concentrations. Determines Credit Policy for Board approval, approves loans, manages compliance, mentors underwriting and processing staff, and is the primary interface with regulators for asset quality issues. Develops programs to diversify loan portfolio and actively markets the Bank to large and small groups. Successful track record in asset quality upgrades and resolving matters requiring attention.

Underwrite complete Credit Presentations per lender clients' specifications for eligible conventional commercial and SBA borrowers. Present Credit Presentation for credit approval. Provide technical assistance on SBA SOP to SBA lenders. Clients include Lincoln Capital Management; Commercial Loan Solutions; Certified Development Companies and 7a lenders.

Directed all aspects of bank's underwriting of commercial loans of $500,000 or less and all SBA loans regardless of size. Supervised team of 5, managed team's performance, identified training and development opportunities. Established unit's strategic plan, defined standards and set monthly goals.Managed underwriter workflow in accord with bank-established service level agreements and ensured regulatory compliance. Reviewed and approved all credit memos - including those of other lenders - in line with corporate policy. Managed Treasury Management products for commercial clients. Directed underwriting and reviewed complex loan structures up to $7MM. Trained staff in credit analysis for these products.Reorganized workflow to match underwriter skills which greatly improved client service levels. Created service level agreement compliance scorecard which improved compliance from 80% to consistently above 90% compliance.

Managed and trained credit analysts and oversaw the underwriting and portfolio review process for all commercial loans. Marketed, underwrote, processed and managed closing and servicing of commercial loans. Obtained SBA 7(a) certification. Supervised team of 2 direct and 2 indirect reports with a portfolio of $26.5MM.Assisted the Chief Credit Officer to develop, communicate and ensure compliance with the bank's credit policy. Reviewed all credit memos prior to presentation, approved credits within authority or referred with recommendation for approval. Managed liquidation process for untenable credits.Managed business development program, establishing new clients for bank, cross-sold products and developed new lending solutions to meet client needs.Established the SBA lending program and implemented Community Reinvestment Act lending program and ensured compliance with federal regulations.Organized and managed a bank-wide team to review commercial loan portfolios valued at $50MM acquired from other lending institutions. Directed the performance of all due diligence, underwriting and risk rating.