Results-driven banking professional with 24 years of experience in commercial banking, leadership, and relationship management. Strong expertise in credit underwriting, financial analysis, and loan structuring. Proven track record of sales success, team leadership, and portfolio growth. Adept at managing the full banking relationship lifecycle—from origination to portfolio management, collections, and workouts. Skilled in commercial lending, equipment finance, and business development with formal credit training and credit authority. Committed to delivering strategic financial solutions and fostering strong client relationships.
PROFESSIONAL EXPERIENCE
Salt Lake City, UT
VP, Equipment Finance | March 2022 – Present
Manage the Commercial Equipment Finance Team.
Oversee sales growth for the bank, achieving 10% growth in 2022.
Manage and expand third-party relationships.
Oversee collections and workouts within the equipment finance portfolio.
Serve as Community Bank Relationship Manager with CRE and C&I lending responsibilities.
Salt Lake City, UT
VP, Commercial Banking Officer
Developed and maintained a commercial loan portfolio, including underwriting and collections.
Achieved 250% of production goal within six months.
Generated $33 million in new loan growth over eight months.
Salt Lake City, UT
VP, Branch Manager / Commercial Banking Officer / VP, Lease Credit & Syndication Officer
Directed all branch operations and staff performance.
Developed and managed commercial loan portfolios, including underwriting, analysis, annual reviews, and collections.
Led a commercial loan production team; ranked in the top 10% for production bank-wide.
Oversaw leasing portfolio, syndications, and participations with other banks on large equipment leases.
Managed underwriting and approvals for leases from brokers and internal sales.
Contributed to the development of lease documents, policies, and successful recoveries on charged-off leases.
Provo, UT
VP, Commercial Loan Officer
Managed commercial loan portfolios and client relationships.
Served as project manager implementing new financial spreading/underwriting software.
Woods Cross, UT
VP, Leasing Manager / Commercial Loan Officer
Expanded leasing portfolio from $60 million to $128 million.
Built and maintained relationships with nationwide brokers and funding sources.
Managed credit analysts and underwriters.
Developed credit policies, grading matrices, underwriting guidelines, and collection processes.
Salt Lake City, UT
VP, Commercial Loan Officer
Managed and grew a commercial loan portfolio, handling origination, underwriting, and servicing.
Assisted with the bank’s troubled asset portfolio.
Spokane, WA
VP, Commercial Loan Officer
Built and managed a $50MM commercial portfolio from inception.
Maintained average delinquencies under 0.50%.
Managed troubled assets and loan workouts.
Salt Lake City, UT
Commercial Loan Officer / Assistant Vice President – Relationship Manager
Managed a $25MM portfolio with 90 commercial relationships.
Maintained high credit quality and client satisfaction.
Senior Loan Underwriter – Officer
Underwrote large commercial relationships with full credit authority.
Securitization Department (National Real Estate Group) – Small Business Credit Analyst
Assisted in revising credit policies and monitoring portfolio concentrations.
Underwrote and analyzed SBA 504, 7(a), and conventional loan programs.
Led the collection department, reducing delinquencies from 5% to 2.5% and training new collectors.
EDUCATION
Southern Utah University – Dixie L. Leavitt School of Business
M.B.A.
Pacific Coast Banking School – University of Washington, Foster School of Business
Executive Leadership Certificate
University of Utah – Salt Lake City, UT
Bachelor of Science, Finance
Salt Lake Community College – West Valley City, UT
Associate of Science, Business
FORMAL CREDIT & BANK TRAINING
Financial Accounting for Bankers
Commercial Loans to Small Business
Analyzing Personal Cash Flow
Corporate Financial Analysis Software
Tax Analysis
ABA: Fundamentals of Small Business & Consumer Lending; Calling on Small Business Customers
UBA: SBA Lending & Business Development for Bankers
AFFILIATIONS
Salt Lake Chamber of Commerce, Leadership Utah Program
Murray Chamber of Commerce & Mayor’s Task Force for Economic Development
RMA (Risk Management Association)
Business Network International (BNI)
SKILLS & ACCOMPLISHMENTS
MS Word, Excel, nCino, Moody’s, Salesforce, and other commercial lending platforms
Strong communication and interpersonal skills
Effective in both team and independent work environments
High emotional intelligence
Bilingual: English and Spanish
Triathlete and active community volunteer
Boy Scouts of America volunteer (20 years); recipient of the Silver Beaver Service Award
Volunteer mentor in 12-Step Addiction Recovery Program (local church)
Volunteer with The Other Side Village