Ryan K. Email & Phone Number

Rancho Santa Fe, Ca, Us

San Francisco, California, United States

San Diego

•Key member of three-person third party credit risk team, conducting underwriting on a portfolio of over $1B approved warehouse lines of credit. •Perform credit analysis for line increases, line bulges, and line renewals for 42 warehouse clients with individual outstanding line amount’s ranging from $5MM to $175MM. Managed approval process for all warehouse takeout investors for approval for purchase of agency, non-agency, and non-QM loan production.•Conduct quarterly periodic credit review process to ensure covenant compliance, adjust risk ratings, and determine clients to be either scoped or excluded from scope based on their adherence to key financial metrics and agreed upon financial covenants. Periodic credit review submitted to SVP of Credit and Warehouse Lending Origination Team for approval.•Write credit approval memorandums for ACH debit/credit line approvals and strategic partnership deals.•Manage and revise department processes and procedures to document changes and improvements in quickly changing environment.

Greater San Diego Area

Obtained summer internship at Merritt, a residential and commercial real estate developer based in Southern California. Comprehensive assignment involved exposure to all aspects of real estate development (e.g., market analysis, zoning restriction review, pricing plans). Specific deliverables included:•Conducted comparative market analysis of local office spaces in RSF. Contacted brokers, identified key marketing initiatives, and successfully offered pricing changes for current portfolio of office spaces.•Completed a comprehensive evaluation of an opportunity zone, Escondido, CA, for possible investment. Analyzed new investment activity in individual submarkets, identified zoning requirements, collected current pricing trends, and offered strong recommendation to construct mixed-use housing on Grand Ave. •Exposure to various aspects of real estate process including property management, permitting, marketing, and analysis. Opportunity to sit in on meetings with contractors and subcontractors.

Carlsbad, Ca

Secured summer internship with Chuao, a national company that competes directly with Ghirardelli for leadership of the superpremium segment of the $21B U.S. chocolate market. Reported directly to Marketing Leader as part of a structured 12-week program. Research and recommended innovative product ideas. Developed and executed advertising concepts. Completed influencer marketing assessment and recommendation.•Planned and coordinated advertising photo shoots for Moon Bark product launch on-time and under-budget.•Presented conclusions for new social media marketing ideas to the marketing team. Based on conclusions, Chuao now implements video techniques including stop motion, behind-the-scenes exclusives, and how-to recipes involving Chuao products.•Commended for development of Key Lime Pie and Lemon Zest “mix-in” chocolate bar concepts, now in test.•Owned influencer project - compiled list of local influencers and new influencer concepts. Conclusions lead Chuao to partner with Willmington Artificial Intelligence to gain greater product exposure in operating markets.

San Diego, Ca

Worked remotely for Pastiche, the first national custom fragrance event company. Maintained customer contact database, create and deliver monthly marketing emails and manage social media content.

Salt Lake City, Utah

Handled everything from meal preparation to social media to health club promotion.Developed contract for athlete influencer program, increasing meal registrations 45% through better compliance.

Greater San Diego Area

Crew member at Canyon Crest Academy's award-winning onsite coffee shop, managed entirely by students. Managed cash register, food preparation, inventory, customer interaction and cleanup.

Bachelor Of Science - Bs, Business, Management, Marketing, And Related Support Services

Bachelor Of Science - Bs, Economics

Education record