EDUCATION
Grand Canyon University – Phoenix, AZ
M.B.A.
(ACBSP Accredited)
Weber State University – Ogden, UT
B.S. in Finance, December
(AACSB Accredited)
PROFESSIONAL EXPERIENCE
Salt Lake City, UT
Commercial Portfolio Manager | April 2023 – Present
Underwrite commercial loan requests for new and existing commitments.
Analyze tax returns and financial statements for liquidity, leverage, and net worth.
Monitor and measure borrower/guarantor loan covenants.
Review monthly reports and manage an existing commercial client portfolio.
Salt Lake City, UT
VP, Commercial Relationship Manager | August 2021 – April 2023
Acquired and developed commercial banking relationships.
Structured OOCRE, equipment finance, and other C&I products.
Assisted clients with treasury and merchant banking solutions.
Monitored collateral, loan covenants, and accurate risk grading.
Bountiful, UT
VP, Commercial Relationship Manager | March 2020 – August 2021
Acquired, developed, and maintained commercial relationships.
Structured CRE non-owner-occupied and OOCRE credit facilities.
Provided equipment finance and other C&I loan structures.
Monitored collateral and loan covenants; ensured accurate risk grading.
Salt Lake City, UT
Commercial Relationship Manager | June 2017 – March 2020
Developed and managed commercial client relationships.
Served as primary point of contact for business owners.
Structured CRE OOCRE and non-owner-occupied loan facilities.
Collaborated with clients to determine and meet commercial banking needs.
Salt Lake City, UT
Commercial RE Portfolio Manager | April 2016 – June 2017
Underwrote complex loan requests within Home Builder Finance.
Analyzed financial statements for liquidity, leverage, and net worth.
Monitored borrower performance and covenant compliance.
Verified accuracy of risk grades, maturing loans, and problem loan reports.
Salt Lake City, UT
Commercial Portfolio Manager | June 2014 – April 2016
Underwrote private banking loan requests requiring risk grading.
Partnered with Relationship Managers on potential credit opportunities.
Evaluated financial statements for cash flow, liquidity, leverage, and net worth.
Prepared credit presentations and collaborated with Credit and Risk teams.
Salt Lake City, UT
Commercial Underwriter | January 2013 – June 2014
Underwrote commercial loans up to $750,000 in commitments.
Analyzed borrower debt capacity and guarantor support.
Assessed financial statements and credit reports for sound credit decisions.
Salt Lake City, UT
Commercial Underwriter | July 2009 – January 2013
Supported Small Business Lending and Global Corporate Credit.
Underwrote companies with revenues up to $1 billion.
Analyzed liquidity, leverage, and creditworthiness of corporate borrowers.
Salt Lake City, UT
Credit Analyst | March 2009 – July 2009
Supported the National Real Estate Department in Commercial Lending.
Managed daily operations of a service-retained loan portfolio.
Acted as liaison between Zions Bank and partner servicing banks.
SKILLS & LEADERSHIP
Proficient in Microsoft Word, Excel, PowerPoint, and Outlook
Experienced with Moody’s Spread – RiskCalc
Former President, Wildcat Investors Club (Weber State University)
Fluent in Tagalog; served a two-year church mission in the Philippines
Interests: Golf, football, basketball, camping, boating, gardening, and family time