As a credit and lending executive with 25+ years in financial services, I bring deep expertise in consumer and commercial credit, credit administration, and financial technologies. My career focuses on delivering exceptional value to high-net-worth and retail clients through innovative lending solutions.I've reliably driven client acquisition, revenue growth, and market share expansion throughout my career. I've underwritten and approved billions of dollars in loans for high-net-worth individuals and their businesses, including approving individual loans up to $100 million. At Silicon Valley Bank, I managed a private banking loan portfolio that grew from $2.8 billion to $10.5 billion in 5 years, maintaining a low 0.49% criticized rate.My expertise extends to designing and implementing loan products, credit policies, and underwriting guidelines. At Silicon Valley Bank, I redesigned and launched several products: Investment Line of Credit, Private Stock Lending, Fine Art Lending, Aircraft Lending, and NAV Lending. At Bank of the West, I spearheaded a Custom Credit offering for ultra-high-net-worth clients and developed an automated collateral risk monitoring system overseeing a $1 billion+ collateral portfolio.I've led teams of credit professionals, including nine at Bank of the West's Wealth Management Group and a Line credit risk staff at SVB. My leadership in major projects includes large-tailored lending initiatives, mortgage lending efficiencies, and risk transformation processes for firms attaining "large financial institution" status. Strong relationship-building and communication skills with all stakeholders complement my leadership in starting and managing businesses and operating units.Beyond my professional achievements, I hold a BA in Political Science from UC Berkeley, where I was a varsity swim team captain and U.S. National Swimming Champion. I'm actively involved in charitable activities, including Boy Scouts of America, the Leukemia Society, and Friends of Cal Aquatics.My diverse background, comprehensive skill set, and proven track record make me a valuable asset in the financial services sector, consistently delivering innovative solutions and driving business growth in dynamic markets.Additional Experience: BorrowFlex - Advisor to start-up company | Contango Capital Advisors - Chief Credit Officer/SVP | CheckFree Investment Services - Senior Relationship Manager | JP Morgan Chase & Co.For a full version of my resume, email me at timhoskins.LI@icloud.com