Vice President, Relatonship Manager resume in Huntington Beach, CA, 92646

Vice President, Relatonship Manager

Posted by:	Name is not set.
Posted date:	11/6/2009
Contact Info:	******@*..*** Show Contact Info (premium) Send Message (free)
Salary:	90,000
Country:	United States
State:	California
City:	Huntington Beach
ZIP:	92646
Email:	xhfdq2@r.postjobfree.com

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PATRICK ZAZUETA
20321 Tidepool Circle, Condo 201
Huntington Beach, CA 92646
(714) 374-**** Home
(714) 719-**** Cell
xhfdq2@r.postjobfree.com

WORK EXPERIENCE

Sunwest Bank – Vice President, Relationship Manager (2008 – present)

· Responsible for growing the bank’s commercial real estate and small business portfolio in southern California.
· Analyzed business financial statements and worked with small business owners in providing solutions to improving workflow efficiencies.
· Worked closely with our underwriters and directly with our Chief Credit Officer in analyzing financial statements; performed variance analysis as part of the year-over-year performance review of the subject company.
· Worked with senior management to assess the viability of re-entering the construction loan business for non-speculative single-family construction; provided all spreadsheets to analyze construction loans (cost & ratio analysis, interest reserve model, cost breakdown, etc).
· Structured lines of credit for small business to provide cash flow to fund their operating cycles.
· Responsible for expanding the recognition of the Sunwest Bank name through attending network functions and speaking at commercial brokerage offices throughout southern California.

Affinity Bank – Regional Loan Manager (2006 – 2008)

· Headquartered out of the bank’s Costa Mesa office and assigned to the western United States to finance commercial construction and permanent loans for multifamily, industrial, retail, office and self storage property types.
· Worked extensively with commercial real estate developers to analyze project viability, interest reserve and loan structure for ground-up vertical construction and lot development projects.
· Worked with borrowers to structure bridge loans on purchases and rehab loan scenarios
· Performed preliminary underwriting of potential loan scenarios for presentation to Loan Committee.
· Extensive commercial real estate broker contacts
· Marketed the banks products at monthly network functions.

Citizens Business Bank – Vice President, Business Development Officer (2004- 2006)

· Assigned to Orange Business Financial Center to extend the reach of Citizens Business Bank’s name in the Central Orange County marketplace.
· Responsible for managing a portion of the center’s portfolio; an asset size of $23.2MM in total loans and deposits
· Brought asset-based lending background to the bank to diversify their heavily concentrated real estate portfolio
· Consulted and advised business owners in the areas of: financial analysis, sustainable growth rates, and appropriate debt structure with the purpose of building long term value and equity in their business.
· Assisted the center staff in operations and day-to-day client interaction.

Alliance Bank – Business Development Officer (2001- 2004)

· Responsible for introducing and marketing Alliance Bank’s AR Manager Program to prospective factoring and asset-based lending prospects covering a territory from San Diego to Santa Barbara.
· Job description encompassed sourcing new clients, negotiating rate structure, drafting proposals, and initial underwriting of the transaction.
· Attended industry trade and network events with the purpose of increasing the recognition of the Alliance Bank name.
· Point person for Alliance Bank’s factoring and asset-based lending program.

Summit Financial Resources - Vice President Business Development (1998-2001)

· Responsible for development of new accounts in the Western United States
· Perform preliminary due diligence of prospective clients
· Implement and design marketing activities for use in contacting referral sources and end users in the manufacturing, distributing and wholesale industries
· Attended trade shows and networking events to expose Summit Financial to new markets

FINOVA Capital Corporation - Business Development Officer, Commercial Services (1994-1998)

· Covered direct marketing of apparel and textile companies in New York and Los Angeles
· Member of the Major Accounts Group responsible for cross sell functions between divisions within the company
· Developed strategic alliances with banks and finance companies
· Compiled prospective client information for underwriting

EDUCATION

· University of Phoenix - Bachelor of Science in Business / Management
· Graduate of California Banker’s Association Commercial Lending School
· Orange Coast Community College

COMPUTER SKILLS

· Microsoft Word, Excel, PowerPoint
· ACT, SalesLogix, Tracker, Goldmine systems (Contact Management Software)
· CASH Tax Personal and Business financial analysis software
· Moody’s Financial Analyst

Affiliations

· National Association of Industrial and Office Properties (NAIOP)
· Society of Industrial and Office Realtors (SIOR)
· Real Estate Investment Association of Orange County (RIAOC)
· Builders Industry Association of Orange County (BIA/OC) – former member of Philanthropy Committee
· Orange County Commercial Real Estate Lending Group (OCCREG)

References provided upon request.

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