Senior Vice President/Senior Underwriting Manager (8/2020 – Present)

• Leads a team of analysts and underwriters across multiple locations (Houston, McKinney, San Antonio) handling loans like CRE, residential, SBA, and C&I.

• Oversees Houston market credit requests (60% of Texas market; $1.35B in 2023).

• Developed underwriting tools, policies, and training programs, including Credit Memos, Loan Risk Rating Scorecards, and stress testing protocols.

• Promoted to Senior Underwriting Manager in 2023, continuing previous responsibilities while implementing key Credit Administration initiatives.

• Experienced in recruitment, training, and performance management.

Senior Vice President/Credit Underwriting Manager (3/2009 – 7/2020)

• Managed underwriting teams across Dallas, Ft. Worth, and Houston during a period of significant growth (assets grew from $5B to $37B).

• Reviewed commercial real estate loans, including construction, acquisition, refinancing, and note financing for various property types.

• Created underwriting models, standards, and tools for risk evaluation.

• Member and secretary of Market Risk Real Estate Oversight Committee.

• Supervised third-party vendors like CoStar, REIS, and Argus.

Associate/Senior Underwriter

• Assisted in building the company & handling structured loans like bridge, mezzanine, and A-B note transactions.

• Conducted site inspections, market research, and credit analyses for transactions across multifamily, office, retail, and industrial property types.

Credit Analyst II

• Worked in a small-loan program, underwriting CRE loans ($500K–$10M).

Skills & Systems

• Proficient in tools like ARGUS, Excel, PowerPoint, Backshop, CoStar Suite, LoanVantage, and Microsoft Teams.

• Strong experience in credit administration, underwriting, loan portfolio management, and performance review processes.

Education

• Texas Tech University: B.A. in Political Science, Minor in Psychology

• Jesuit College Preparatory School

Certifications & Coursework

• Completed advanced commercial lending and underwriting training via the Risk Management Association (RMA).

• Certified in ARGUS Valuation DCF Software and other technical systems.

Licensing & Affiliations

• Texas Real Estate Salesperson License (Inactive)

• Member of Sigma Chi and Texas Tech alumni networks.