Tung-Sheng (Jack) Wu

**** ********* ****** ********, ** 90503

310-***-****

Email: ad1lbs@r.postjobfree.com

Career/Experience Highlights:

• Experienced credit administrator, underwriter and portfolio manager with 20+ years of working knowledge in analyzing, managing, administering complex loans within Commercial Real Estate, Trade Finance, Commercial & Industrial, and Asset-Based lending.

• Perform secondary loan reviews and annual reviews on existing loan portfolio and new originations, ensuring the loans are performing and the underwritings are completed based on prudent and sound decision-making and according to the policy and guidelines.

• Direct involvement with high-net-worth clienteles with $10MM+ net worth and diverse portfolio of commercial/office, multifamily (investor-owned and owner-user), mixed-used, RV park, Mobile Home Park, and mini- storages in California and other states.

• Perform detail and in-depth analysis of property historical and forecasted cash flow and debt service; borrower’s capacity and liquidity; quality of the collateral; and guarantor’s global cash flow analysis.

• Direct responsibilities in loan portfolio management, structuring, and loan administration.

• Possess excellent interpersonal, analytical, and organizational skills. Able to communicate effectively efficiently in both English and Mandarin to develop a trusting relationship with the clients.

• A proven and effective team leader possessing skill sets to partner, nurture, motivate, train, and encourage staff to their fullest potential.

EMPLOYMENT HISTORY ~

LENDISTRY, Tustin, CA Portfolio Manager, June 2023 – November 2023

• Monitor and manage the quality and performance of specific loan programs’ portfolio, include monitoring for payment defaults, submission of timely financial reporting, communication to the borrowers in regard to any financial deterioration or past due payments.

• Analyze complex credit opportunities and exercise independent judgment in underwriting and risk rating credits, effectively balancing risk, and customer support.

• Ensure the assigned portfolio is complying all applicable standards, policies, procedures, and regulatory requirements.

• Maintain current knowledge with specific loan programs’ requirements, procedures, and changes.

• Responsible for the appropriate loan servicing items and other servicing or modification actions when the loan is regulatory rated pass or special mention.

• Schedule and complete Annual Performance Reviews (APR’s) of each loan in the portfolio on a timely basis. APRs are due each loan date anniversary as Quarterly risk rating review/reaffirmation; to be completed as assigned.

• Review Loan Accounting systems (NLS, PCFS), plus SalesForce for upcoming covenant ticklers and recommended ticklers.

• Generate credit memorandums for approval to properly adjust or restructure loans.

• Directly communicate with borrower or guarantor to request or discuss items for completing portfolio activities.

• Perform other administrative duties required for the maintenance of a portfolio of clients.

• Coordinate with Asset Manager to generate credit memorandums for loan modifications or restructuring of problem loans.

• Manage, underwrite, and process the line of credit renewals with client.

• Perform other duties and special projects as needed. CALIFORNIA BUSINESS BANK, Irvine, CA

SVP, Credit Administrator, March 2022 – June 2023

Credit Admin

• Ensures that lending and credit policy/procedures are developed/updated and disseminated in a timely and accurate manner.

• Ensures lending and credit policy/procedures are followed.

• Establishes portfolio management processes/procedures that ensure adequate monitoring of all loan portfolios, including the monitoring of loan concentration and overall risk. Ensures ongoing adherence to processes and procedures.

• Ensures processes and procedures are in place to ensure that loan grades are appropriately determined and monitored and reviewed on a regular and timely basis. Credit Underwriting

• Establishes and monitors processes and procedures to ensure that loans underwritten are credit worthy and that necessary information is reviewed and validated in accordance with policies/procedures and regulatory compliance.

• Establishes, manages & maintains integrity of the credit approval process by allocating and assigning the proper resources to manage and approve the Bank’s various loan portfolios.

• Ensures that the credit underwriting and approval processes are responsive to the needs of various line management teams, while balancing the risk to the Bank.

• Through an effective quality control process, ensures that loan documentation is sampled and reviewed for accuracy and compliance with loan documentation standards and provisions.

• Provides management support to the Directors Loan Committee. Special Credits

• Ensures that all collections are handled in timely manner and that delinquency ratios are kept in line with historic norms, industry standards and the Bank’s strategic goals.

• Ensures problem loan management appropriately protects the Bank and minimizes loss exposure. Risk Management

• Ensures that Policies & Procedures are reviewed on a timely basis and revised as necessary.

• Oversees the Bank’s ALLL determination and ensures that an appropriate methodology for its calculation is utilized and validated. Continuously working with outside vendors to transition the Bank’s ALLL to CECL as mandated by FDIC. Transition included providing appropriate loan data, Q factors, and other management inputs that may impact loss reserve requirements.

• Ensures that accurate and appropriate portfolio and portfolio concentration reports are created, reported to the Board and utilized by line management to proactively manage the Bank’s loan portfolio to minimize risk of loan losses.

• Works with the CEO and line officers to proactively manage loan portfolio concentration and exposure to minimize risk and problem and/or criticized assets, including impairment assessments, annual loan reviews and CRE stress testing.

Other

• Execute on enterprise-wide strategic credit and loan initiatives.

• Coordinating audits and examinations (as related to credit risk management).

• Identify new and emerging risks while continuing to leverage opportunities.

• Provide leadership and development of the credit staff by setting clear expectations and managing to achieve a balanced, motivated and results-oriented team.

• Ensure compliance with Bank wide operating policies, procedures, strategic objectives and goals.

• Ensure compliance with all other bank industry and other governing authority regulations.

• Other Ad hoc functions and projects as identified by CEO and/or his designate

• Decision making on talent acquisition, performance review and evaluation, training, and compensation recommendations.

UNITED PACIFIC BANK, Rowland Heights, CA

VP, Credit Administrator, April 2021 – March 2022

• Review all loan proposals, CRE, SBA, construction, C&I, for soundness, risk mitigations and approval.

• Review and revise lending policies and procedures as necessary to improve efficiency and effectiveness.

• Participating in strategic planning and pricing committees

• Oversee note department and credit analysts

• Assist CCO on special projects as assigned

• Provide support as underwriter and mentor junior staffs as necessary XCEED FINANCIAL CREDIT UNION, El Segundo, CA

Commercial Underwriter January 2016 – March 2021

• Analyze and underwrite Multi-family residential loans: prepare DSR and GCF calculations, perform due diligence on borrower, collateral, and guarantor(s). Prepare underwriting report for presentation of approval. Work with processor, funder and closer for document execution and loan funding.

• Performs risk assessment reviews of RE secured loans and lending relationships for assessing adequacy of underwriting quality, financial calculations, documentations, risk rating assigned, identifying potential or existing credit problems, and ensuring conformity to policies.

• Evaluate the adequacy of operating cash flows, borrower cash flows and collateral protection based on reviews of financial documents.

• Identifies and describes weaknesses noted during the reviews, as well as make recommendations for the improvement of the underwriting and credit administration processes

• Generates reports and other documents detailing findings for management.

• Prepare and perform annual review of existing loan portfolio, utilizing all financial reports and sources to determine debt coverage, global debt coverage, and the proper risk rating. LUTHER BURBANK SAVINGS, Manhattan Beach, CA

Senior Major Loan Underwriter August 2013 - Dec. 2015

• Actively manage assigned loan portfolio by systematically review operating statements, tax returns, and PFS. Order updated valuations and other pertinent credit reports as needed. Assess risk ratings based on grade matrix. Recommend loan downgrade or upgrade as necessary.

• Performs risk assessment reviews of RE secured loans and lending relationships for assessing adequacy of underwriting quality, financial calculations, documentations, risk rating assigned, identifying potential or existing credit problems, and ensuring conformity to policies.

• Evaluate the adequacy of operating cash flows, borrower cash flows and collateral protection based on reviews of financial documents.

• Identifies and describes weaknesses noted during the reviews, as well as make recommendations for the improvement of the underwriting and credit administration processes.

• Generates reports and other documents detailing findings for management.

• Reviews loan risk grade, impairment and accrual decision recommendations by Loan Review Specialists for compliance with Bank policy.

• Makes decisions on documentation submission requirements for individual loans based on loan agreements and Bank policy.

PACIFIC ALLIANCE BANK, Rosemead, CA Oct. 2011 – August 2013 AVP/Loan Officer CHINATRUST BANK (CTBC BANK), City of Industry, CA 2005 -2006; 2009 – 2011 Underwriter UNITED COMMERCIAL BANK, Westminster, CA 2007 – 2009 Loan Portfolio Officer EAST WEST BANK, San Marino and City of Industry, CA 2003 - 2006 Credit Analyst GENERAL BANK, Los Angeles, CA 2000 - 2003 Senior Loan Assistant EDUCATION

Seattle University, Seattle Washington Master of Business Administration Graduated 1999 Seattle University, Seattle Washington Bachelor of Science in Finance Graduated 1995 SKILLS

Financial Statement Analysis, Portfolio Management, Risk Rating Assessment, Workout negotiation. MS Office Suite; CASH-TAX; Moody’s; Sageworks; Credit Investigation (Lexis Nexis; Experian; Diligenz; Informative Search); SalesForce.

• Fluent in Mandarin and Taiwanese, speaking, reading, and writing.

• Board Member of Torrance Chinese School from 2008 to 2011

• Vice Principal of Administration, Torrance Chinese School from 2006 to 2015

• Treasurer of Evangelical Formosan Church of South Bay, 2013 to 2016, 2019 - 2023

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