University of Notre Dame

San Diego State University

Banking Executive | Chief Banking Officer | Chief Credit Officer | Community Banking | Venture Banking | Asset-Based Lending | Regulatory Remediation | Product Development & Marketing Launch | Analytical Decision Making

Achievements as an Executive Team:
•	A successful transformation of a “troubled real estate bank” into a “business bank” that was a successfully pursued acquisition target (announced acquisition by Banc of California March ‘21)
•	Recognized as “Top Work Places” in Orange County for three consecutive years (2018-2020)
•	Created Horizon Analytics® the bank’s proprietary marketing differentiator to attract and maintain business targeted at corporate banking relationships
•	Organically increased C&I Loan portfolio from $226 million (29% of totals loans at YE 2013) to $602 million (48% of total loans at Q1’21)
•	Progressively increased Non-Interest Bearing deposits from $189 million (26% of totals deposits at YE 2013) to $650 million (47% of total deposits at Q1’21)
•	Reduced the reliance on high-cost CDs from 49% at YE 2013 to 14% at Q1’21

Successes as the Chief Credit Officer:
o	Revamped Credit Administration, changed staffing, and clarified Credit Policy 
o	Redefined the Loan Risk Ratings into a set of matrices for a more granular view of loan attributes, culminating in no risk rating changes in the last regulatory exam
o	Reduced Classified and Non-Accrual Loans, leading to excess loan loss reserves
o	Streamlined approval, documentation, and funding process for the Paycheck Protection Program, funding nearly 700 loans for $300 million over an eight-week period
o	Created a quarterly “wellness check-in” program to determine portfolio health during COVID-19 shut down.  Used the findings in our qualitative reserve analysis for ALLL as well as a communication channel for our clients to triage needs

Primary Responsibilities:
	Credit Approval and Credit Quality of a $1.2 billion loan portfolio
	Credit Policies, Allowance for Loan and Lease Losses (ALLL), and credit reviews by third parties 
	Developing and maintaining a positive regulatory relationship

Pacific Mercantile Bank

Chief Credit Officer

Successes as the Chief Banking Officer:
o	Consistently produced over $200 million in new loan funding annually
o	Held Net Interest Margin constant in both rising and falling interest rate environments
o	Increased C&I Loan portfolio by 33% from YE‘16 to Q3’19
o	Increased Non-Interest Bearing deposits by 30% from YE’16 to Q3’19
o	Increased Treasury Management income by 20% from YE’16 to Q3’19
o	Created sales management reports which included client profitability and rankings
o	Created the marketing department with standardization of look and messaging 
o	Lead the creation the external marketing program for Horizon Analytics® and for various treasury management products 

Primary Responsibilities:
	Loan and Deposit Production
	Growth in Interest Income and Non-Interest Income 
	All sales and underwriting personnel
	All treasury management and deposit sales personnel
	All internal and external marketing and marketing personnel

Chief Banking Officer

o	Co-created the Renewable Energy Group and built out the infrastructure of the new team

Primary Responsibilities:
	Lead the sales effort for the following groups:
	Asset Based Lending Group
	Treasury Management Group
	Entertainment Industry Group
	Renewable Energy Group

EVP, Head of Product and Market Development

o	Create the Asset Based Lending Group 
o	Grew the portfolio from less than $20 million Commitments in FY ‘13 to roughly $200 million by Q1’21

Primary Responsibilities:
	Wrote the business case for Board approval
	Developed the ABL Credit Policy and Procedures
	Hired the back office, portfolio managers, business development officers, and trained the broader sales force on opportunity selection

EVP, Head of Asset Based Lending

Led Silicon Valley Bank’s Orange County office and was responsible for leading its technology and life science banking team.  Extensive experience structuring unique debt facilities and advising clients on borrowing strategies, investments, and treasury management.

o	The loan portfolio increased from $74 million in loans to over $130 million with revenue increasing 100%.  
o	Increased the portfolio of borrowing clients from 70 to over 130.  
o	Recipient of SVB’s President’s Club award, recognizing the bank’s top sales professionals for 2007, 2008, and 2009.


Primary Responsibilities: 
	Business Development and portfolio management for the bank’s Orange County office
	Leading an office of 20 people with direct management of a lending team of three professionals and dotted line to another eight lending and banking professionals
	Prospective client targets included venture capital backed start-ups, middle market companies, and private equity sponsored leveraged buyouts

SVB Financial Group

Managing Director

Senior Relationship Manager, Commercial Finance & Specialty Finance Divisions

Senior Relationship Manager, Specialty Finance Division

Market Manager, Specialty Finance Division

Relationship Manager, Commercial Finance Division

Semiconductor Group: performed due diligence, financial analysis and assisted in the creation of pitch books for the semiconductor and semiconductor equipment companies seeking to raise capital via private placement, convertibles, primary and follow-on offerings.

Associate, Healthcare, Summer Internship, Summer 2000

Prudential Securities

Associate

5 different roles of increasing responsibility from Credit Analyst to Vice President for the National Healthcare Practice

Robert Anderson