Sean Guthrie Email & Phone Number

California, United States

San Francisco Bay Area

First line of defense responsible for leading a team of credit professionals in approving, administering and reviewing loans within assigned approval authority to ensure adherence to credit policy and underwriting best practicesLending consists of private credit senior secured franchise based credit facilities Review over $500MM credit commitments annually. Credit approval authority up to $3MMAssist the team with complex underwriting, structuring and negotiating Draft and monitor OKR’s and SLA’sPromote team work/life balance, provide regular coaching and checkins, administer annual performance reviews, provide training and career development opportunities Promote long-term company visionSell-side and capital allocation expertise Drive ongoing policy and practices improvements alongside a review of the portfolio and new initiatives to mitigate loan losses and identify opportunities for business expansionImprove operational processes cross-functionally to mitigate risk concerns, enhance functionality and loan pipeline work flow

San Francisco, California

Manage a team of direct report Underwriters and ensure KPI’s are being metPromote team work/life balance, provide meaningful frequent feedback loop, quarterly performance reviews, training and career development opportunities Promote long-term company vision Interview and train new hiresResponsible for Underwriter secondary deal review - approval or decline decision maker - and providing constructive financial statement analysis, ratio analysis, credit acumen and due diligence feedbackActive voting member of Credit Committee Underwrites typically the largest most complex credit requests Provides valuable insight to Risk and Senior Management regarding model and policy improvements and operational efficiencies

San Francisco

As part of the Large Ticket Credit Team in the Equipment Finance Division - Technology Group, I was responsible for understanding the nature and structure of credit transactions and conducting due diligence, fundamental credit research and quantitative analysis on prospective borrowers in order to determine strengths and weaknesses and ultimately make and support an independent credit decision or recommendation to management and set internal risk rating.

San Ramon, California

I served as a Vice President Relationship Manager at Tri-Valley Bank, where I was responsible for underwriting, structuring and recommending ABL, cash flow and commercial real estate financing and managing a complex large portfolio.

Oakland

I worked for Torrey Pines Bank as an Assistant Vice President where I was responsible for underwriting and structuring ABL, cash flow and commercial real estate financing.

I worked for Tamalpais Bank as an Assistant Vice President where I was responsible for underwriting and structuring ABL, cash flow and commercial real estate financing.

Bachelor Of Arts (B.A.), Law

Executive Mba