Vice President, Senior Credit Review Examiner - Banc of California - Los Angeles, CA
(2018-01)
- Conduct independent credit reviews to assess underwriting quality, risk rating accuracy, portfolio monitoring effectiveness, and compliance with bank policy and regulatory guidance.
- Assess credit risk management practices, including covenant monitoring, underwriting discipline, and problem loan identification.
- Serve as Examiner-in-Charge (EIC) for credit review engagements across commercial lending portfolios. Review workpapers prepared by reviewers, including credit analyses, risk ratings, and documentation quality, to ensure review conclusions are adequately supported.
- Prepare clear and concise credit review reports summarizing review findings, identified risk issues, and recommendations for corrective action. Present findings and significant risk issues to management and stakeholders.
- Perform quarterly continuous monitoring and portfolio risk assessments to identify emerging credit risks and portfolio deterioration trends.
- Extensive experience reviewing commercial credit portfolios, including middle-market C&I, ABL, CRE, Multifamily, Construction, Equipment Finance, Warehouse Lending, Lender Finance, Private Equity, Structured Finance, Syndicated Loans, and SBA lending.
- Experience reviewing retail and consumer lending portfolios, including indirect auto loans, purchased single-family residential loans, and mortgage borrower credit analysis supporting warehouse lending.
Vice President, Credit Reviewer - East West Bank - Pasadena, CA
(2013-01 - 2018-12)
- Performed independent credit reviews of commercial loan portfolios to assess underwriting quality, risk rating accuracy, portfolio monitoring effectiveness, and adherence to internal credit policies and regulatory expectations.
- Prepared credit review workpapers, linesheets, examination reports, and supporting documentation for review by senior management.
- Evaluated underwriting practices, loan structures, covenant monitoring, and documentation quality to assess compliance with internal credit policies, underwriting standards, and applicable regulatory guidance.
- Identified credit risk management weaknesses, policy exceptions, and process deficiencies, and communicated findings and recommendations to management.
Underwriter / Relationship Officer - MUFG Union Bank, N.A. - Los Angeles, CA
(2003-01 - 2013-12)
- Underwrote and managed commercial banking relationships. Conducted portfolio monitoring, financial statement analysis, covenant compliance reviews, and due diligence.
- Evaluated Probability of Default (PD) and Loss Given Default (LGD) metrics using Moody's Risk Analyst to support internal risk ratings.
- Assessed borrower creditworthiness, transaction structures, collateral adequacy, and industry risks associated with commercial lending, trade finance, foreign exchange, and derivatives transactions.
- Ensured compliance with internal credit policies, underwriting standards, and regulatory requirements.
Corporate Banking Officer - Mizuho Bank, Ltd. - Los Angeles, CA
(1996-01 - 2003-12)
- Underwrote and managed commercial credit facilities and related foreign exchange and derivatives transactions.
- Performed credit analysis, risk rating assessments, covenant monitoring, and portfolio risk management.
- Ensured compliance with internal credit policies, procedures, and applicable regulatory requirements.
