Real Estate Manager
Resume:
Rebecca Poon
San Rafael, CA 94901
********@*******.***
OBJECTIVE To obtain a position in Commercial Lending that best utilizes
my strong analytical and relationship skills.
EXPERIENCE
2009-09/2010 SONOMA VALLEY BANK
Sonoma, CA
Credit Officer / AVP
. Responsible for negotiating loan terms, completing full
financial, credit, and management analysis of borrowers from
a wide variety of industries including motels, real estate
investment/management companies, medical practices, small
parts manufacturers, and others.
. Structuring, underwriting, and rendering credit decisions on
multi-family, commercial real estate loans for owner user and
investment properties.
. Coordinating loan closing with the Note Department.
. Responsible for managing appraisal processes and ensuring the
reports are in compliance with USPAP and FIRREA.
. Monitors credit quality, loan delinquencies, graded loans,
non-accruals and charge-offs, including preparing month end &
problem loan reports.
. Implement and maintain an annual review process for CRE NOO
loans, including periodic stress testing of these credits.
. Manage bankruptcy cases where needed (Ch. 7, 11, and 13) in
order to obtain relief from stay and continue foreclosure
proceedings.
2007-2009 TAMALPAIS BANK San
Rafael, CA
Assistant SBA Manager & Commercial Loan Officer / VP
. Responsible for originating, structuring, negotiating, and
underwriting $100M to $15MM transaction for Tamalpais Bank's
Business Lending Group. Financings have included purchase or
refinance of real estate & equipment, business acquisition,
debt refinance, working capital needs, start up, and
construction.
. Responsible for funding $15.9MM in SBA Loans (7a & 504), and
Conventional Loans during the last fiscal year, which was
132% of annual goal.
. Originated bank relationships totaling $3.5MM in DDA, which
was 175% of goal.
. Provide oversight and periodic written evaluation of assigned
substandard graded credits in SBA loan portfolio.
. Managed servicing actions which included liquidation and work-
out efforts on SBA 7a &504 problem loans with Herndon Center
(SBA Liquidation & Purchase Center), and/or CDC.
. Instrumental in achieving a consistent successful audit
review by the SBA.
. Credit authority was $500,000 for real estate secured and
$100,000 for unsecured.
2005-2006 TAMALPAIS BANK San
Rafael, CA
SBA & Commercial Underwriter / AVP
. Structuring, underwriting, and rendering credit decisions on
multi-family, commercial real estate loans for owner user and
investment properties, business term loans, business lines of
credit, and SBA 7(a) & 504 loans
. Ensuring all SBA applications are in compliance with the SBA
SOP 50-10, along with the Bank Loan Policy.
. Ensuring appraisal & environmental reports are in compliance
with the Bank loan policies and regulatory requirements.
. Executing all SBA Secondary Market Sales.
. Performed business and property site visits to interface with
customer, and analyze validity of the business potential.
2004-2005 FAr east national bank San
Francisco, CA
Credit Analyst/Commercial Banker
. Structuring and underwriting commercial credits, including
commercial real estate loans, construction loans, C&I loans,
and SBA loans.
. Spreading financials and analyzing cash flow and sustainable
growth utilizing Moody's Risk Analyst Program.
. Managing credit risk for an assigned loan portfolio.
. Serviced client inquires on existing loans and identified new
opportunities to provide additional services to clients.
. Completion of a formal CBA bank-credit training program.
2002-2004 WELLS FARGO fINANCIAL Des Moines, IA
Phone Banker
. Responsible for generating mortgage sales up to $1,000,000
for all 50 states.
. Assisted individuals with various options through use of
product knowledge by interviewing, assessing, and formulating
mortgage scenarios for purchases, refinances, cash out, and
home equity line of credit.
. Promoted three times in the first 18 months of employment.
. Top producer of November 2003 ELeads.
2000-2002 SHERATON HOTEL AND SUIte
Indianapolis, IN
Front Desk Manager
. Managed daily operation for a 560 room hotel.
EDUCATION
2002-2004 Drake University - Des Moines, Iowa
Master of Business Administration, May 2004 with emphasis in
finance.
1996-2000 Purdue University - West Lafayette, Indiana
Bachelor of Science degree in Hospitality and Tourism
Management.
Honor's roll: 1998-2000.
OTHER
Language: Conversant in Cantonese.
SKILLS
Proficient in Microsoft Office, XP, T-Soft, SBA Wizard, Cash Tax Analysis,
Buker Tax Analysis, FSA, and Moody's Risk Analyst. Completed RMA, NAGGL &
BAGGL Courses, OFAC, FinCen, and other USA Patriot Act compliance and
regulatory training.
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