Senior Vice President, Portfolio Management - JA Mitsui Capital
(2025-10 - 2026-06)
Oversaw portfolio management activities for a global venture capital and private equity platform. Position concluded following a company-wide reduction in force that eliminated the Portfolio Management team.
- Managed approximately $1 billion in sponsor-backed private credit investments, providing portfolio surveillance, valuation oversight, financial performance analysis, and risk assessments that informed executive investment decisions.
- Led executive portfolio reviews, communicating portfolio performance, valuation trends, emerging risks, and strategic recommendations to senior leadership.
- Partnered with investment, legal, finance, and operations teams throughout the investment lifecycle to strengthen governance, enhance reporting, and support portfolio value creation.
- Collaborated across Japanese and U.S. investment professionals, leveraging cross-cultural business expertise to align stakeholders and support informed investment decisions.
Vice President, Credit Officer - Sumitomo Mitsui Finance & Leasing
(2025-01 - 2025-10)
Provided independent credit leadership for commercial finance, equipment finance, structured lending, and project finance transactions while helping establish the firm's infrastructure finance underwriting framework.
- Led underwriting for the firm's $75 million syndicated commitment within a $250 million hyperscale data center project financing, evaluating sponsor strength, transaction structure, projected cash flows, collateral support, and long-term project risk.
- Authored the firm's Project Finance Credit Policy, establishing underwriting standards, governance procedures, and analytical frameworks supporting future infrastructure finance transactions.
- Underwrote more than 75 commercial finance transactions annually across equipment finance, structured lending, and project finance, delivering independent credit analysis and recommendations on complex financing opportunities.
- Challenged transaction structures and front-office recommendations while balancing commercial objectives with disciplined credit risk management.
- Partnered with Japanese executive leadership and U.S. business teams to support complex financing transactions while bridging differences in business culture, communication, and credit philosophy.
- Mentored junior credit professionals and collaborated with Relationship Management, Risk Management, Legal, Operations, and senior leadership throughout the approval process.
Vice President, Senior Credit Approval Officer - NBH Bank
(2021-07 - 2025-01)
Provided independent credit approval for middle-market lending relationships, advising business bankers and balancing prudent credit risk management with commercial growth objectives.
- Exercised individual commercial lending authority of up to $5 million, independently approving complex commercial and industrial, owner-occupied, and commercial real estate credit facilities.
- Evaluated new loan requests, renewals, modifications, and annual reviews through comprehensive analysis of borrower performance, cash flow, collateral, guarantor support, industry trends, and repayment capacity.
- Partnered with Relationship Managers from prescreen through final approval, structuring financing solutions aligned with client objectives, bank policy, and risk appetite.
- Conducted client meetings and site visits to assess management quality, validate operations, and strengthen underwriting decisions.
- Structured loan terms, covenant packages, collateral requirements, lien positions, and borrowing base provisions to mitigate credit risk.
- Reviewed UCC filings, collateral documentation, appraisal support, and legal documentation to confirm appropriate collateral position and sound credit administration.
- Mentored business bankers, interns, and junior credit professionals on credit analysis, policy interpretation, underwriting standards, and transaction structure.
Commercial Underwriter / Banking Officer - BOK Financial
(2019-05 - 2021-06)
Managed underwriting and portfolio risk for middle-market commercial banking relationships, partnering with Relationship Managers, Capital Markets, and senior credit leadership to structure sound lending solutions.
- Managed an approximately $300 million commercial portfolio spanning contractor, Commercial & Industrial, and public finance relationships.
- Underwrote commercial credit transactions ranging from approximately $100 thousand to $30 million, performing financial statement analysis, cash flow modeling, collateral evaluation, and repayment capacity assessment.
- Presented complex credit recommendations to loan committees and senior credit officers, communicating transaction risks, mitigants, industry dynamics, and borrower performance.
- Reviewed and negotiated legal documents, amendments, commitment letters, financing terms, and closing conditions with borrowers, counsel, and internal stakeholders.
- Collaborated with Capital Markets on interest rate swap transactions, early prepayments, and sophisticated financing solutions for middle-market borrowers.
- Monitored portfolio quality through annual reviews, covenant compliance, financial performance analysis, policy exception tracking, and proactive identification of emerging credit concerns.
Commercial Underwriter / Credit Analyst III - Bank of the West
(2015-07 - 2019-04)
Developed deep technical expertise in commercial credit underwriting, portfolio monitoring, and relationship-manager support for middle-market and business banking relationships.
- Underwrote commercial lending opportunities through detailed analysis of business and personal tax returns, fiscal-year and interim financial statements, personal financial statements, collateral, industry trends, and repayment capacity.
- Performed Uniform Credit Analysis (UCA), global cash flow analysis, guarantor analysis, covenant structuring, borrowing base review, and sensitivity analysis to support sound credit decisions.
- Prepared comprehensive credit memoranda for new loan requests, renewals, modifications, annual reviews, covenant waivers, and risk rating recommendations.
- Partnered with Relationship Managers and Credit Managers to address transaction structure, credit strengths and weaknesses, problem-loan indicators, and borrower questions.
- Monitored portfolio quality through covenant testing, annual reviews, renewals, stress tests, FDIC/REIF forms, financial ticklers, and collateral reporting requirements.
- Maintained accurate credit documentation and supported internal risk management by escalating covenant violations and emerging credit concerns in a timely manner.
Tax Reporting Analyst / Government Reporting - Robert W. Baird
(2012-09 - 2015-07)
Developed a strong analytical foundation in investment operations, tax reporting, data management, and process improvement for a national investment and wealth management firm.
- Analyzed and resolved daily tax reporting exception reports, improving accuracy of Form 1099 and cost-basis reporting across multiple source systems.
- Leveraged SQL Server, Microsoft Access, Excel macros, and data-mining techniques to analyze large financial datasets and automate recurring reporting processes.
- Reconciled multiple systems to support accurate client tax statements, backup withholding, IRA withholding, and IRS deposit processes.
- Partnered with Operations, Technology, vendors, and client-facing teams to resolve reporting issues, improve procedures, and strengthen audit controls.
- Documented reporting processes and contributed to special projects involving regulatory updates, annual IRS changes, and operational efficiency improvements.
Cash Management Analyst - MUFG Union Bank / Bank of Tokyo-Mitsubishi UFJ
(2010-05 - 2012-08)
Delivered treasury management and cash management support for commercial clients while partnering with Relationship Managers to strengthen client relationships and service delivery.
- Coordinated implementation of cash management products and services, supporting onboarding, client service, and technical support needs.
- Served as a trusted liaison between Japanese and U.S. corporate clients and internal stakeholders, leveraging cross-cultural business expertise.
