Experience

2008 to 2019

Centinel Financial Corporation

Senior Vice President

• Marketing government guaranteed loan services to small to medium community banks

• Preparation of credit memos and structure for presentation to bank loan committees and to SBA for approval

• Closing loans for bank with attorneys’ aide

1989 to 2008

PMC Capital, Inc./PMC Commercial Trust

Senior Vice President

• Secured PMC’s approval to make first liens on SBA 504 program loans resulting in over $70 million of dollars of production

• Supervised as many as eleven employees in the credit department at one time, both professional and support

• Co-managed and managed the non-motel marketing department for ten years

• Developed new small business markets, including the RV park and pet kennel industries, and franchises

• Headed marketing website update, both copy and structure 

• Trained more than 50 marketing and credit people over the course of tenure at PMC

• Helped to build SBA loan portfolio from $9mm to over $160mm.  Overall portfolio grew to over $400mm including conventional and 504 loans

• Credit experience was influential in approving and structuring loans as a member of loan committee

• Primary contact in negotiating contract with the Texas Credit Union League in order to act as their outside source for SBA loans for their members

• Presented PMC, its processes and procedures, to external auditors, potential lenders, and CMBS purchasers

• Was instrumental in securing PMC’s approval to make B&I loans through USDA

1987 to 1989

Independence Mortgage, Inc.

Vice President

•  Developed relationships with banks in order to market programs not in competition with the banks’ credit requirements or their traditional bank products and services

• Analyzed and structured loan scenarios to meet the lender’s and the borrowers’ needs

• Negotiated terms and facilitated closings of loans with the assistance of outside counsel 

• Generated approximately $22mm in loans – maximum SBA loan size was ~$500k

1976 to 1987

Small Business Administration

Dallas, Texas and Des Moines, Iowa offices

Commercial Loan Officer                                     

• Conducted in-depth financial analysis of personal and business financial statements and tax returns

• Made credit decisions and prepared concise, written loan officer recommendations

• Provided financial and management counseling

• Did some public speaking in order to bring the programs to lenders and borrowers

• Acted as Chief of the division in the absence of immediate supervisor

• Worked disaster duty in Christiansted, St. Croix and in Des Moines, Iowa

• Worked on 8a financial reviews

Expertise

SBA expertise in

•                   Marketing

•                   Credit and Eligibility

•                   Loan Processing                 

•                   Closing

Education

2010 inductee into Beta Sigma Gamma, Honors Fraternity in Business during graduate work in Accounting at the University of North Texas

BA Accounting

University of Northern Iowa

Cedar Falls, Iowa

Graduated cum laude

Professional Recognition

CPA certificate, Iowa.  Passed the entire exam on first sitting.  Received Texas certificate.

Named Technical Employee of the Year (GS-9-13) for SBA Region VII

Named Regional Employee of the Year for SBA Region VI

Volunteer Information

Hickory Creek, Texas Economic Development Corporation member, 2006-2007 

The Flower Mound Chapter, National Society Daughters of the American Revolution, Regent  2016-2018

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