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118 W. Branch Street, Nipomo, California 93444 a 805-709-4026 a pm7af8d4@westp

MANAGEMENT: Financial, Loan Operations, Human Resources

Influential leader with a strong banking and financial management background. Fo
r over 30 years have driven efficient operations and provided leadership to team
s that delivered an exceptional level of customer service and consistently excee
d corporate objectives. Deliver continuous improvements through the identificati
on and resolution of process gaps, resulting in improved efficiency and signific
ant expense reduction. Pivotal member of the management team that successfully c
ompleted 4 bank merger/acquisitions.
a Banking Operations
a Financial Analysis / Planning
a Training
a Multi-Project Management
a Regulatory Compliance
a Client Service
a Vendor / Contract Management
a Hiring / HR Functions
a Performance Management
a Communications
a Cost Analysis / Process Improvement
a Experienced policy and procedures writer

RABOBANK, N.A. (Formerly Mid-State Bank), Arroyo Grande, California

Vice President / Regional Manager, Construction Servicing (4/2007 a" 4/2009)

Was responsible for the inspection and disbursement process for all construction
loans in California, Nevada and Arizona. Reviewed all construction projects for
feasibility and performed cost analysis. Trained lending and support staff in t
he preparation of budgets and draw requests. Monitored new projects, tracked bud
gets and collaborated with Special Assets Department on distressed projects.

a Developed a centralized inspection and disbursement process for all constructi

on projects in 3 western states:
* Created a database in Access for tracking the budgets progress and required do
* Wrote detailed policies and procedures that were established Bank wide.
* Provided hands on training for all construction lenders and their support staf
* Implemented the monthly inspection of all projects to insure their timely comp
* Contracted with 3rd party inspectors that significantly reduced costs and impr
ove efficiency
* Created monthly reports that identified projects deficiencies and assessed ove
rall risk.
a Developed a centralized method for processing insurance claims for damaged rea
l estate (flood, fire)
* Modified the Access database to accommodate the budgets for reconstruction.
* Wrote detailed policies and procedures that were established Bank wide.
* Analyzed insurance adjusters and general contractors cost to rebuild for feasi
* Worked closely with the Special Assets Dept. to evaluate the collateral and ac
cess risk.

Vice President / Manager Credit Service Center (10/1991 a" 4/2007)

Oversaw the day to day operations of a centralized loan center servicing 41 bran
ch offices and 6 regional commercial loan departments. Supervised 50 non-exempt
associates that were responsible for documenting all loans using Laser Pro, boar
ding the loans on the mainframe application ITI, and the follow up for recorded
and other related documents. Coordinated the servicing and reporting for all loa
ns sold to Freddie Mac, Fannie Mae, and SBA.
a Centralized all the note related functions, previously performed in the office
s and commercial loan departments.
* Created a database for tracking all incoming loan applications and their final
* Effectively utilized third party vendors to provide services, i.e. credit repo
rts, escrow & title.
* Maximized F.T.E by utilizing part time staff and creating an evening shift.
* Received favorable audits, due to sound controls, and detailed written policie
* Proven ability to lead, inspire and motivate a team to achieve ever changing c
orporate objectives.
a Spearheaded Loan Operations through 4 successful bank mergers/acquisitions.
* Created an acquisition plan, utilizing key personnel to integrate systems & pr
* Outsourced the offsite storage of loan files for effective control and efficie
nt retrieval.
* Provided training to lending personnel in new system, processes, and procedure

Santa Barbara Savings & Loan Association, San Luis Obispo, California
Vice President / Regional Manager, Retail Operations (7/1987 a" 10/1991)
Responsible for the growth and development of 14 retail offices in San Luis Obis
po and Kern County.
* Developed a sales and service team that consistently exceeded expectations.
* Created an environment of teamwork between retail offices and support departme
* Managed budgets effectively through the creative use of FTE.
a Note: Additional professional history includes positions at First Charter Ban
k, MetroBank, First Pacific Bank, California Overseas Bank and CitiBank.

Additional Coursework / Training: Fair Credit Reporting Act, ECOA RegB, Real Est
ate Lending Compliance
Commercial Lending Compliance, Construction Lending Compliance, Bank Secrecy and
Community Reinvestment Acts.

Proficient in MS Word, Excel, PowerPoint, Access, EasyLabor, PCI Wiz