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Ryan L. Email & Phone Number
Vice President Senior Credit Risk Manager
at
Community West Bank
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✓ Verified July 2026
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Profile completeness 86%
Current company
Role
Vice President Senior Credit Risk Manager
Location
Santa Barbara, California, United States
Who is Ryan L.? Overview
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Quick answer
Ryan L. is listed as Vice President Senior Credit Risk Manager at Community West Bank, based in Santa Barbara, California, United States. AeroLeads shows a matched LinkedIn profile for Ryan L..
Ryan L. previously worked as Vice President Relationship Manager at Pacific Premier Bank and Vice President Portfolio Management at Pacific Premier Bank. Ryan L. holds Data Analytics Certificate, Data Science from University Of California, Berkeley.
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Community West Bank
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Profile bio
About Ryan L.
With over 10 years of experience in the banking industry, I am a passionate and skilled credit risk manager who is committed to delivering high-quality analysis and reporting to support strategic decision-making and regulatory compliance. I have a strong background in commercial and real estate loan underwriting, portfolio management, and relationship management, as well as a professional and academic interest in data science and analytics. I am currently a VP Senior Credit Risk Manager at Community West Bank, where I develop and implement the CECL loan reserve methodology for the Bank using statistical and analytical methods.In my current role, I manage Credit Analysts and Small Business Loan Underwriters for the Bank. I lead the Small Business Loan Underwriting division at the Bank using cutting edge software to aid with loan decisioning. I am responsible for assessing the credit risk of the Bank's loan portfolio, calculating the quarterly loan reserves, and preparing and presenting the credit risk assessment reports to senior management and the board of directors. I also collaborate with other departments, such as accounting, finance, and audit, to ensure accuracy and consistency of data and reporting. I leverage my skills in finance, credit analysis, and credit monitoring to provide insightful and actionable recommendations to optimize the Bank's credit risk profile and performance.
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Ryan L.'s current company
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14 roles
Ryan L. work experience
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Vice President Senior Credit Risk Manager
CurrentManage Credit Analysts and Small Business Loan Underwriters for the Bank. Leading the Small Business Loan Underwriting division at the Bank using cutting edge software to aid with loan decisioning. Developed CECL loan reserve methodology for the Bank. Use statistical and analytical methods to assess Bank loan portfolio risk. Responsible for calculating loan reserves. Prepare and present monthly and quarterly credit risk assessment reports. Strong background in commercial & real estate loan underwriting. Experienced relationship manager with client facing interactions including negotiations and business development. Professional and academic experience working with big data sets.
Apr 2022 - Present
Vice President Relationship Manager
Jan 2021 - Apr 2022
Vice President Portfolio Management
As a VP PM, manage a $127 million loan portfolio consisting of a mix of C&I term loans and lines of credit, hospitality loans, investor real estate loans and owner occupied real estate loans. Borrowers include doctor groups, law firms, CPA firms, aerospace manufacturers, investment firms, hotel owners and operators, restaurants and small business owners. Primary responsibilities include financial analysis and loan underwriting for both existing and new loan requests, interfacing with borrowers, collecting financial information, managing and creating ticklers, uploading and maintaining digital loan file in OnBase and financial covenant creation and management.
Oct 2019 - Jan 2021
Vice President, Asset Based Lending Relationship Manager
Tech Capital, Llc
Maintains regular working relationships with asset-based borrowers at Tech Capital. Loan portfolio consists of tech companies, professional and legal services, staffing services and distributors. Credit analysis and commercial loan underwriting are primary duties as well as regular monitoring of ABL borrowing base trends and financial trends. Regular use of conventional financial analysis as well as business analytics performance metrics. Assists with ABL operational duties when needed.
Jan 2018 - Oct 2019
Commercial Loan Officer
Jul 2017 - Jan 2018
Vita Site Coordinator
Asuc Student Legal Clinic
Site Coordinator for the VITA (Volunteer Income Tax Assistance) Clinic at the Association of Students at the University of California (ASUC) Student Legal Clinic at the University of California at Berkeley. Responsibilities included facilitating tax training for students, tax preparation and quality review, interface with the IRS on a range of tax-related issues and transmitting tax returns, meeting with clients to discuss tax situations, maintaining client confidentiality and providing tax counseling to students.
May 2016 - May 2017
Legal Caseworker
Asuc Student Legal Clinic
Legal case worker for the ASUC Student Legal Clinic. Responsibilities included performing legal research and meeting with clients to inform them of legal options; maintaining client confidentiality and participating in legal outreach programs in the Berkeley community.
Aug 2015 - May 2017
Loan Portfolio Officer, Avp
Primary duties included client meetings, loan portfolio management, loan underwriting, financial analysis, loan covenant tracking and restructuring loans. Assisted in establishing internal mortgage loan underwriting standards and credit templates.
Jan 2013 - Jul 2015
Commercial Loan Officer, Avp
Responsible for the business loan portfolio, CLO primary duties included meeting with prospects and business development, collecting financials and analyzing data, structuring loans and underwriting credit risk, obtaining new loan approvals and declining unqualified loans, loan booking and monitoring, loan renewals and loan workouts, and loan regulatory reporting requirements.
Jun 2007 - Jan 2013
Junior Commercial Loan Officer
Managed $45 million in commercial loans, regular duties underwriting and particapating in the credit approval process.
Jun 2006 - May 2007
Credit Analyst
Collected financial statements and tax returns, analyzed financial data and underwrote new loans and loan renewals.
Jun 2005 - May 2006
Loan Assistant
Assisted loan officers with collecting financials and limited financial analysis, maintained loan files, processed loan transactions and interfaced with clients during loan signing appointments.
Mar 2004 - May 2005
Merchant Bank Teller
Handled large quantities of cash and interfaced with business clients daily. Responsibilities included opening the vault daily and balancing the vault at the end of each business day.
Jun 2003 - Feb 2004
3 education records
Ryan L. education
Data Analytics Certificate, Data Science
University Of California, Berkeley
Political Science, Ba, Political Science And Government
University Of California, Berkeley
Transferred, Political Science And Government
Santa Barbara City College
FAQ
Frequently asked questions about Ryan L.
Quick answers generated from the profile data available on this page.
What company does Ryan L. work for?
Ryan L. works for Community West Bank.
What is Ryan L.'s role at Community West Bank?
Ryan L. is listed as Vice President Senior Credit Risk Manager at Community West Bank.
Where is Ryan L. based?
Ryan L. is based in Santa Barbara, California, United States while working with Community West Bank.
What companies has Ryan L. worked for?
Ryan L. has worked for Community West Bank, Pacific Premier Bank, Tech Capital, Llc, Technology Credit Union, and Asuc Student Legal Clinic.
How can I contact Ryan L.?
You can use AeroLeads to view verified contact signals for Ryan L. at Community West Bank, including work email, phone, and LinkedIn data when available.
What schools did Ryan L. attend?
Ryan L. holds Data Analytics Certificate, Data Science from University Of California, Berkeley.
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