Marylou Lawrence

***** **** **.

Rancho Murieta, Ca. 95683

916-***-****

Business Banking Regional Market Manager, with over 25 years’ experience in Business Banking. Experience leading as a Regional Business Development Market Manager at Premier West Bank partnering with FA’s in Credit & underwriting, Treasury Management, Merchant Services, and Retail. An extensive broad-based knowledge of lending experience. Ability to Lead coach & develop successfully. Ability to capture Commercial, Ag Business, SBA 7A & 504 opportunities. Solid Originating, Underwriting & Credit skills.

Core Strengths:

Business Development Coaching & Leadership

Relationship Building skills Passion and Inspiration

Coaching &Team Growth Business Finance & Solutions

Delegate Effectivley Defines Needs

Develops Strategies Accepts Responsibility

Ag Background Underwriting & Credit Skills

Professional Experience:

Rabobank: Business Banker II Vice President

Dec 2016-Current

•Covering Sacramento-Roseville, Elk Grove, Lodi, Stockton, Modesto, Turlock, Los Banos, Newman, Angels Camp. With 10 branches.

•Within 6 months of working for Rabobank, became #1 Business Banker II for all of California.

•Managing a Business Loan Portfolio of over $25 million

•Growing deposits of 3 million with 6 months

•Pre-underwrite loans to see Cash flows and liquidity of business, strengths and weakness.

•Strength in meeting clients and building relationships especially with Partners such as Treasury Management, Vantif, Retail, Credit within Rabobank’s footprint.

•Business Development Coaching & Leadership with Partners and Branch Managers.

Farmers & Merchants Bank: Elk Grove Branch Manager II VP. Sep 2015-Jun 2016

•Developed and managed new commercial and retail customer relationships

•Grew deposits and generated over 40 new client accounts in less than 1 year

•Increased small business loan growth by $1.5 MM within 6 months

•Assumed role as team leader

•Active in Sacramento Farm Bureau and several other Elk Grove business groups

•Supporting team members, in building, growing deposits, & loans.

•Solid Bank Representation at Community Events

•Interviewed applicants and obtained sufficient information for loans

California Bank & Trust: Business Development/ Relationship Manager, AVP Dec 2010 – Aug 2015

•Managed and maintained commercial loan portfolio of $35 million

•Originated & Developed New Client Relationships

•Processed renewals, modifications, & increases in loans & lines

•Managed delinquencies at an except able level

•Maintaining Risk Ratings of loans and protecting banks policies & procedures, to insure complete compliance.

•Exceeded loan growth annually, by $10 million in Commercial & SBA 7A & 504 loans with term approvals.

•Grew deposits by $ 15 million

•Underwrote SBA 7A & 504 loans.

•Structured loans & participated throughout the underwriting approval process

•Coached team members on structuring loans and relationship development

•Collaborated with the Leasing & Finance Team for equipment loan referrals

•Involved in multiple community events including organizing and chairing four charity events that raised $11,500.00 for St. John's Shelter for Women & Children

Premier West Bank: Regional Business Development/Relationship Manager

Oct 2006 - Dec 2010

•Originated Commercial Loans & Deposits

•Initiated the promotions of other Bank Products & Services to strengthen & deepen client relationship.

•Promoted to Regional Business Development Market Manager.

•Underwrote SBA 7A and 504 loans throughout Northern California Region

•Promoted community involvement and active on board of directors for the Elk Grove Chamber of Commerce, Elk Grove Rotary, and BNI of Elk Grove.

•Became the FACE of Premier West Bank in Elk Grove

Bank of the West: (Lodi) Financial Services Consultant

July 2002 - Sept 2006

•Started career as a commercial/personal banker and became the #4 FSR in the Northern California Region.

•Focused on Business lines of credit, home purchases and commercial business and real estate refinance

Old Republic Title Company (Lodi) Senior Escrow Assistant Feb 1999 – June 2002

•Originated escrow accounts.

•Ordered preliminary report and deposited funds into escrow accounts

•Verified titles were clear of judgments and liens

•Requested loan documents and verified property insurance coverages

•Audited loan documents and released funds as need

Licenses:

Licensed California Notary

NMLS-MLO #856764

California RE License

Organizations:

~ Elk Grove Chamber of Commerce

~ Elk Grove Rotary

~ BNI of Elk Grove

~ Elk Grove PFSA (Portuguese Fraternal Society of America)

Education:

Cosumnes River College- BA, Business Economics 1991

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