Risk Management Account

Stuart Matsuda

**************@*****.*** • 714-***-****

• CA, 92620, US

Commercial Banking Professional

Methodical and strategic professional with 15+ years of experience in banking and financial services sector. Adept at fostering and expanding commercial loan portfolios. Proficient in executing underwriting, loan structuring, and risk management for small to medium-sized enterprises. Skilled in enhancing client satisfaction and retention using tailored financial solutions and strategic account management. Proven track record in leveraging financial spreading tools such as nCino and cash to optimize operational efficiency and underwriting processes. Committed to maintaining stringent compliance with regulatory standards and contributing to financial health and growth of business.

Areas of Expertise

● Credit Analysis

● Client Financial Advisory

● Account Management

● Portfolio Management

● Business Development

● Risk Management & Compliance

● Regulatory Standards Adherence

● Financial Spreading Tools

● Underwriting & Loan Structuring

Accomplishments

●Demonstrated strong credit analysis and portfolio management skills by developing commercial loan portfolio exceeding $70M.

●Strengthened client relations and expanded business opportunities through strategic site visits and customer calls.

●Enhanced risk management by closely monitoring loan covenants for compliance and identifying potential risk areas.

●Enhanced product portfolio by developing relationships with new and existing clients.

●Played key role in financial monitoring of franchise-lending portfolio.

●Improved efficiency and accuracy in professional loan underwriting for specialized practices by streamlining loan processing and documentation workflows.

●Leveraged proficiency in financial spreading tools such as nCino to expedite underwriting process and enhance portfolio management capabilities.

●Facilitated marketing campaigns that increased client portfolio engagement and contributed to business growth.

●Applied expert credit knowledge to tailor marketing strategies, directly impacting customer acquisition and retention.

Career Experience

Banc of California, CA

Relationship Manager, VP

May 2009 - Present

Oversee commercial loan portfolio, focusing on small to medium-sized enterprises and ensuring robust financial health and growth. Conduct thorough underwriting for new financing, renewals, and modifications of commercial credit lines, term loans, and real estate loans. Serve as key banking contact for fast food franchises in Southern California, managing relationships and financial operations for businesses with annual revenues ranging from $5 to $10M. Perform regular loan reviews on monthly, quarterly, and annual basis. Engage daily with clients to fortify existing partnerships and forge new connections.

●Demonstrated strong credit analysis and risk management capabilities by managing portfolio exceeding $70M in C&I and real estate loans.

●Enhanced client satisfaction through strategic account management and personalized financial solutions.

●Served as trusted advisor to business clients, providing expert guidance on financial strategies and loan structuring to optimise growth potential.

Additional Experience

Commercial Loan Officer, VP – Alliance Bank, Culver City, CA

Commercial Credit Analyst, Banco Popular, NA., Commerce, CA

Credit Specialist, Comerica Bank., Ontario, CA

Marketing Project Manager, Fund Management Inc., Los Angeles, CA

Education

Master of Business Administration in General Business

Pepperdine University, CA

Bachelor of Business Administration in International Business

Loyola Marymount University, Los Angeles, CA

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