Business Development Officer

SUMMARY OF QUALIFICATIONS

A dedicated and accomplished finance professional with over 19 years of experience in commercial real estate and SBA lending, financial analysis, business processes, and market development. Proven record in driving results through strategic relationship-building with clients and centers of influence. Known for exceptional communication skills, unwavering work ethic, and a client-focused mindset.

Recognized as a driven relationship builder with expertise in market analysis, service delivery, and professional execution of financial goals. Actively engaged in the community through leadership roles in civic, chamber, and charitable organizations—committed to making a positive impact both professionally and personally. I did volunteer for my services with two non-profit organizations in Santa Maria (see page 4 for details).

SKILLS

RE Owner Occupied & Investment Properties

Financial Statement & Tax Returns Review

Commercial Lending C&I

Cash Flow Analysis

SBA Lending (7a & 504)

Profitability Analytics

Business Development

Service/Results-Driven

Market Strategy

Client-Centered Approach

PROFESSIONAL EXPERIENCE

First US Community Credit Union February 2022 – April 2025

Business Development Officer

Solano County, Yolo County, Sacramento County, Placer County, and Nevada County

Built strong rapport with portfolio clients, prospects, referral sources, and centers of influence to drive new business, expand the client base, and create a sustainable network of opportunities.

Generated qualified internal referrals across lending and member services, while actively representing the Credit Union in community and business outreach to grow brand presence and expand a high-value referral network.

Generated qualified referrals to internal departments and branch locations within an assigned territory, driving holistic member engagement.

Conducted in-depth interviews with loan applicants to understand business objectives, financial capabilities, and revenue potential.

Performed risk assessments and profitability analytics to evaluate loan applications and align with credit policy.

Masood Consulting July 2021 – February 2022

Business Consultant

Solano County and Yolo County

Assist clients through every stage of the business lending process—from completing loan applications to crafting business plans with detailed projections. Once the loan package is finalized, I coordinate with lenders to streamline the approval and funding process.

Provide bookkeeping services to help clients maintain financial clarity and readiness for future growth.

Travis Credit Union January 2017 – April 2021

Business Relationship Officer

Solano County, Yolo County, and Contra Costa County

Originated and funded over $26 million in commercial real estate loans, including owner-occupied and investment properties, SBA 7(a), SBA 504, hospitality, working capital, equipment financing, and business acquisitions.

Collaborated with Consumer and Business Banking partners on joint sales calls to cross-sell financial products and deepen client relationships, increasing overall profitability.

Managed a dynamic pipeline of qualified leads, prioritizing prospects, scheduling calls, and maintaining consistent follow-up to ensure timely conversion and client engagement.

Cross-sold a wide range of business products through a structured calling platform, enhancing value for both existing and new clients.

Represented the Credit Union at community and business events to increase brand visibility and cultivate a robust referral network.

Sacramento Credit Union July 2016 – December 2016

Business Development Officer

Sacramento County

Successfully originated and funded over $750K in SBA loans, Commercial Real Estate transactions, and Business Lines of Credit, contributing to both short- and long-term portfolio growth.

Strategically expanded the Credit Union’s market share in SBA and Commercial Real Estate lending across Northern California’s business communities.

Engaged with potential clients to assess financing needs, collect required documentation, and guide them through the lending process, including the preparation and submission of SBA-specific forms.

Conducted detailed analysis of loan packages, evaluating SBA eligibility, historical financial performance, and cash flow to support preliminary credit decisions.

Assembled and submitted complete initial loan packages to underwrite for timely credit evaluation.

Rabobank, N.A. July 2015 – July 2016

Assistant Vice President, Business Banking Officer

Santa Barbara County

Developed and executed customer acquisition protocols tailored for the Santa Barbara County market, successfully expanding the Credit Union’s footprint and diversifying the client portfolio across multiple industries.

Built and maintained strong relationships with new and existing clients, introducing relevant bank products and promoting value-added services to support their financial goals.

Collaborated closely with branch teams, providing training and operational support to enhance service delivery and drive branch profitability.

Conducted comprehensive financial reviews and document analysis, delivering informed recommendations to the underwriting team for streamlined loan decisioning.

Funded over $2 million in Commercial Real Estate loans, SBA financing, and Business Lines of Credit, contributing to sustained portfolio growth and client satisfaction.

Premier Valley Bank, San Luis Obispo, CA July 2012 – May 2015

Vice President, SBA Lending Officer

Santa Barbara & San Luis Obispo County

Originated and funded over $10 million in Commercial Real Estate loans, SBA financing, Business Lines of Credit, and loans supporting retail stores, restaurants, and hotel/motel businesses.

Managed SBA 7(a) and 504 loan programs, demonstrating strong ability to identify customer needs, align solutions with bank products, and successfully close transactions.

Delivered tailored financing solutions that strengthened client relationships and contributed significantly to the bank's portfolio growth.

CoastHills Federal Credit Union, Santa Maria, CA April 2006 – June 2012

Business Development Officer

Santa Barbara & San Luis Obispo County

Originated and funded over $40 million in commercial loans, including CRE, SBA 7(a) & 504, hotel/motel, gas station, business acquisition, office buildings, automotive service businesses, and ground-up construction projects.

Developed and executed an aggressive business development strategy aligned with Credit Union goals as defined by the Board of Directors, driving sustained loan and deposit growth.

Identified and pursued new business opportunities through targeted research and competitive market analysis, strengthening the Credit Union’s presence in key commercial sectors.

Partnered with branch teams to support and meet business loan and deposit targets while building strong, lasting relationships with local business owners.

Coordinated draw disbursement schedules for construction loans, ensuring timely execution and adherence to regulatory standards.

Facilitated loan modifications and extensions, acting as a liaison between clients and internal teams to maintain portfolio quality and client satisfaction.

EDUCATION/TRAINING

CUNA Business Lending Certification Institute: Level I & II Credit Analysis

SOP Advanced Training by NGGL

Business and Technical Communications Program - University of Wisconsin - Milwaukee campus

AFFILIATIONS

Partnership with Sacramento Valley Small Business Development – With a start-up businesses workshop.

Ambassador for the Dixon and Vacaville Chamber of Commerce.

2018 Ambassador of the Year, Vacaville Chamber of Commerce.

2016 – 2018 – Mentors/Treasurer of the Sacramento SCORE Organization.

2014 – Completed QuickBooks certification.

2006 – 2016 – Santa Maria and San Luis Obispo member of chamber of commerce.

2006 – 2013 – All–America City Committee – Volunteer of month for the City of Santa Maria.

2005 – Recognition award from the Santa Maria Chamber of Commerce - Ambassador committee.

I contributed my time and skills as a volunteer with two non-profit organizations.

President

Natural History Museum of Santa Maria

2013 – 2016 Santa Maria, CA

Elected President of the museum and oversaw all aspects of operations and strategic planning.

Managed daily operations, museum staff, and collaborated with a 10-member Board of Directors.

Oversaw fiscal management, including budgeting, reporting, and filing annual tax returns.

Led the development of a new, modern website to enhance community engagement and visibility.

Initiated and organized the Native Garden Project, successfully raising over $100,000 in funding.

Focused on building a positive, high-energy team culture and hiring motivated individuals.

President

Santa Maria Valley Youth Soccer Association

2003 – 2007 Santa Maria, CA

Elected President and led the league serving youth throughout the Santa Maria area.

Managed league operations, working closely with a 5-member Board of Directors.

Coordinated with the City of Santa Maria to secure field use and ensure regulatory compliance.

Oversaw scheduling for all teams, managed league finances, and filed annual tax returns.

Directed key areas including the snack bar, head coaches, head referees, and uniform procurement for over 1,000 players.

Implemented a program offering free registration to families in need, ensuring access to all children regardless of financial situation.

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