Commercial Lender; Banking Relationship Manager resume

FRANK E. LOMELI
**** **** ***** ~ Ventura, CA ***03 ~ H: 805-***-**** ~ go0c7d@r.postjobfree.com

POSITION BEING SOUGHT

I am seeking a position of responsibility that directly or indirectly has the potential for me to have a strong positive impact on the profitability of the firm, and is highly instrumental in accomplishing established and new strategic goals of the company. I am able to provide exposure to my database (book of business) that includes over 300 small and middle market clients in Ventura County. Clients are in various industries, including manufacturing, wholesale / distribution, retail, and contractors.

PROFESSIONAL PROFILE

Results – Oriented; Detail – Minded; Strategically – Motivated.

The majority of my career has been in middle-management of small, independent commercial banks. My responsibilities have primarily included maintaining and strengthening established relationships with small and middle-market business customers and developing relationships with new business customers. My experience is primarily in commercial lending & loan portfolio management with over 20 years of commercial lending, construction lending, consumer lending, and also includes deposit generation, and department management. I am a hands-on manager with expertise in supervising credit personnel, and underwriting with particular attention to loan quality, risk, and compliance to Bank’s policies and procedures and those of federal programs, including deposit accounts. My experience and expertise encompasses all facets of lending, including the processing and funding of commercial loans, construction loans, U.S. Small Business Administration (SBA) loans, U.S. Department of Agriculture Business and Industry (USDA B&I) loans and consumer loans. Loan approval rate is 99%, with a loan closing rate of 99%. Currency rate is 99%.

My accomplishments include a proven record of developing and implementing successful marketing and training programs with dramatic positive effects on profitability by establishing relationships within existing and expanded markets. I have developed marketing programs that have been very successful in creating exposure, competitively positioning the bank, and establishing strong customer loyalty.

My current endeavors as Business Coach have allowed me to establish a database (book of business) that includes over 300 small and middle-market clients throughout Ventura County. Clients consist primarily of manufacturers, but also include other industries, including, wholesale / distribution, retail, and contractors.

RECENT POSITIONS INCLUDE

Tri-County Business Coach January, 2009 to Present
Owner / Founder

Responsibilities include the normal responsibilities related to forming and operating a new consulting business.
Accomplishments include:
• Business Development: generating interest in providing business training sessions to business owners utilizing centers of influence, referrals, print advertising and industry-related articles in local newspapers.

United Central Bank, Oxnard, CA LPO January, 2007 to October, 2008
Assistant Vice President/ Business Development Officer

Responsibilities included the normal responsibilities related to portfolio management. Accomplishments included:
• Business Development / Loan Origination; SBA & USDA loans, conventional commercial loans, construction loans: SBA / USDA volume in 2007 - $12 million, utilizing a marketing program targeting a strong business center of influence, and strong customer referrals;

California Oaks State Bank; 1000 Oaks, CA September, 2002 to June, 2004
Vice President/SBA Department Manager

Responsibilities included the normal responsibilities related to department and portfolio management, with direct supervision of an administrative assistant and shared supervision of three processors and one BDO with two other departments.
Accomplishments included:
• Developed and managed the SBA Department including training and coaching of bank personnel;
• Loan processing with an approval rate of 99%, closing rate of 99%; Currency rate of 99%; Business Development / Loan Origination; SBA loans, conventional commercial loans, construction loans, consumer loans: SBA volume in 2003 - $7 million;

First Charter Bank; Beverly Hills, CA February, 1999 to February, 2002
Vice President/SBA Department Manager

Responsibilities included the normal responsibilities related to department and portfolio management, with shared supervision of three processors and one collector with two other departments.
Accomplishments included:
• Developed and managed the SBA Department including training and coaching of bank personnel;
• Responsible for bank obtaining “Preferred Lender” status by SBA;
• Loan Committee Member;
• Loan processing with an approval rate of 99%, closing rate of 99%; Currency rate of 99%; Business Development / Loan Origination; SBA Loans (1999 - $5 million, 2000 - $7 million, 2001 - $9 million), conventional commercial loans, construction loans, consumer loans, merchant accounts;
• Deposit Generation of $3 million annually.

Community West Bank, formerly
Goleta National Bank, Goleta, CA January, 1998 to January, 1999
Vice President/Business Development Officer

Responsibilities included the normal responsibilities related to portfolio management with direct supervision of an administrative assistant and indirect supervision of branch personnel, processors, and collectors.
Accomplishments included:
• Loan processing with an approval rate of 99%, closing rate of 99%; Currency rate of 99%; Business Development / Loan Origination; SBA Loan volume in 1998 - $4 million, construction loans, primary source of loans was from referral database;

First United Bank; Denver, CO December, 1994 to December, 1997
Vice President/Branch Manager/SBA Manager

Responsibilities included the normal responsibilities related to branch management, department management, and portfolio management with direct supervision of the Teller Supervisor and Customer Service Representative, and indirect supervision of five tellers; shared supervision of five processors and the collector with eight other branches.
Accomplishments included:
• Developed successful customer service and product cross-selling program for six tellers and the Customer Service Representative;
• Loan Committee Member;
• Developed and managed the SBA Department;
• Responsible for bank obtaining “Preferred Lender” status by SBA;
• Loan processing with an approval rate of 99%, closing rate of 99%; Currency rate of 99%; Business Development; Loan origination and increased deposits (SBA loan volume in 1997 was $7 million);
• Deposit Generation of $2 million annually;

Vectra Bank, Denver, CO June, 1991 to November, 1994
SBA Marketing Manager

Responsibilities included the normal responsibilities related to department management, and portfolio management with direct supervision of an administrative assistant and shared supervision of ten Customer Service Representatives, five processors, and the collector.
Accomplishments included:
• Developed and managed the SBA Department;
• Developed highly successful bank-wide marketing program for SBA loans and deposit generation, positioning the bank as “The Business Bank” in Denver through aggressive advertising that included print, banners, training sessions for existing and potential business clients, and bank personnel;
• Developed sales training and coaching program for eight branch managers;
• Responsible for bank obtaining “Preferred Lender” status by SBA;
• Average annual loan volume of $10 million; New deposits of $4 million annually, utilizing highly successful marketing program;

EDUCATION

College of Great Falls, Montana
Major: Accounting

University of Colorado, Denver Center
Major: Law

Additional education includes: National School of Real Estate Finance, Ohio State University; Commercial Lending School, Sea First National Bank; Dun & Bradstreet Advanced Credit Analysis; Xerox Professional Selling Skills Course; Dale Carnegie Courses; Various Economic Development Training Courses

COMMUNITY INVOLVEMENT

Past:

Chairperson/Co-Founder
Ruidoso Economic Development Corporation

Chairperson/Co-Founder
Colorado Association of Government Guaranteed Lenders

Executive Committee
Colorado Association of Government Guaranteed Lenders

Author
Various newspaper articles regarding a business’ cash flow and access to capital.

Additional Community Involvement experiences will be furnished upon request.

REFERENCES

Personal and professional references will be furnished upon request.

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