SENIOR COMMERCIAL CREDIT EXECUTIVE

20+ Years in CRE, C&I, SBA Lending | Credit Risk | Asset Workouts | Underwriting Leadership
Highly experienced credit risk professional with over two decades of success leading commercial lending, credit administration, and risk oversight functions. Proven track record managing largescale portfolios, structuring complex credit facilities, leading legal resolutions, and mentoring high-performing underwriting teams. Adept at driving risk-adjusted returns, enforcing policy compliance, and protecting institutional capital. Known as a trusted advisor and credit strategist who combines sound judgment, regulatory expertise, and business acumen.

PROFESSIONAL EXPERIENCE

RKM Capital Group, LLC
Credit Officer, Investment Real Estate & Private Debt
Remote – United States
Mar 2023 – Present

Direct credit analysis and underwriting for commercial real estate, construction, and private debt transactions, including multifamily, office, retail, industrial, ranch, vineyard, and specialty-use assets. Structure and approve complex CRE and C&I credit facilities, including senior secured term loans, revolving credit lines, bridge loans, and private debt placements. Partner with banks, private lenders, and institutional investors to manage loan origination, underwriting, risk assessment, and portfolio monitoring in alignment with regulatory standards and internal credit policies. Train and mentor underwriters in financial analysis, market risk, and loan structuring, establishing repeatable systems for risk-based decision-making. Apply advanced knowledge of financial modeling, cash flow analysis, IRR projections, and debt coverage ratios to assess borrower creditworthiness and project feasibility. Advise private equity and investors on private debt structures, risk-adjusted returns, and exit strategies to enhance portfolio yield. Build and maintained high-level relationships with senior bankers, investors, and credit committees, supporting approvals on multi-million-dollar financing packages.

Heartland Financial USA, Inc.
Senior Vice President, National Special Assets Manager
Remote – United States
Jun 2020 – Mar 2023

Oversaw $100MM+ national portfolio of criticized and classified assets across CRE, C&I, and SBA segments. Designed and implemented resolution strategies including restructures, forbearance agreements, litigation, and liquidation. Conducted in-depth site inspections and borrower interviews to assess credit deterioration and recovery options. Led SAG meetings, updated classified asset logs, and submitted board-level reports for regulatory and executive review. Negotiated legal settlements and managed foreclosure proceedings, receiverships, and note sales. Mentored junior underwriters and credit staff on best practices for risk identification, documentation, and resolution. Ensured that all recovery efforts maintained compliance with FDIC, internal policies, and audit standards.

Heartland Financial USA, Inc.
Vice President, Senior Commercial Banking Officer
San Luis Obispo, CA
Feb 2017 – Jun 2020

Originated and managed a $100MM+ commercial lending portfolio with full-cycle credit responsibility. Underwrote and approved new requests, renewals, and covenant amendments across CRE, C&I, SBA, and development loans. Led internal loan committees and coached credit analysts and junior RMs on structuring, covenant setting, and loan risk evaluation. Directed proactive portfolio reviews to maintain risk ratings, capital allocations, and policy compliance. Delivered tailored credit solutions to top-tier clients while balancing risk, profitability, and relationship growth.

Heartland Financial USA, Inc.
Vice President, Regional Market Manager & Credit Officer
Paso Robles, CA Jun 2015 – Feb 2017

Opened and led the Paso Robles, CA branch, building operations, staffing, and credit procedures from inception. Directed both market growth and credit quality for a diverse commercial and
small business portfolio. Developed and implemented branch operations, underwriting standards, and loan approval processes, ensuring compliance with internal policies and federal/state banking regulations. Managed full credit lifecycle for commercial and small business clients, including origination, structuring, risk assessment, and approval of credit facilities. Conducted in-depth financial statement analysis, cash flow modeling, collateral evaluation, and borrower risk ratings for C&I, CRE, SBA, and owner- occupied loans. Oversaw credit reviews, loan renewals, covenant tracking, and risk mitigation strategies to maintain portfolio health. Led workout planning and direct resolution strategies for underperforming or distressed credits, including restructures, forbearances, and liquidations. Monitored loan performance, loan growth, credit quality, and portfolio diversification to meet strategic and profitability goals. Served as secondary credit officer for small business and commercial lending including review and approval of new credits, as well as annal credit quality review including SBA credit eligibility, underwriting and servicing.

Wells Fargo
Vice President, Commercial Loan Officer
San Luis Obispo, CA
Jan 2014 – Jun 2015

Served as primary commercial loan officer for regional CRE and C&I clients, originating and structuring customized facilities. Built a pipeline of qualified prospects including underwriting and presentation for approval. Ensured credit submissions met bank policy and were supported by robust risk analysis.

Heritage Oaks Bank
AVP, Commercial Relationship Manager
San Luis Obispo, CA
May 2010 – Jan 2014

Managed $65MM+ CRE and SBA loan portfolio, with responsibility of acquiring and underwriting new credit as well as annual credit renewals. Responsible for full risk analysis as well as the ongoing servicing of the commercial loans. Performed comprehensive credit memos including cash flow analysis, stress testing, and collateral coverage reviews. Identified and acted
on early warning signs, leading recovery planning and restructures.

Heritage Oaks Bank
AVP, CRE Credit Review Officer
Atascadero, CA
Dec 2008 – May 2010

Responsible for conducting independent, objective, and comprehensive evaluations of the bank’s commercial real estate loan portfolio to ensure credit quality, regulatory compliance, and adherence to internal credit policies. Provided assessments of underwriting quality, risk ratings, and portfolio health, with a focus on identifying emerging risks and recommending corrective
actions. Performed independent credit reviews of commercial real estate loan relationships, including construction, acquisition, development, and income-producing properties. Analyzed borrower financial statements, rent rolls, operating statements, guarantor financials, and market conditions to assess repayment capacity and collateral adequacy. Evaluated the accuracy and timeliness of risk ratings, underwriting practices, covenant compliance, and adherence to internal policies and regulatory guidelines. Prepared detailed written reports outlining findings, conclusions, and actionable recommendations for credit administration and portfolio management teams. Participated in special projects, portfolio stress testing, and targeted reviews based on market or regulatory developments. Provided training and guidance to credit staff on best practices in CRE underwriting and risk assessment.

Heritage Oaks Bank
Portfolio Manager
Santa Maria, CA
Jun 2006 – Dec 2008

Underwrote, monitored, and serviced a performing portfolio of commercial loans in compliance with bank policy. Collaborated with relationship managers on renewals, documentation, and exception clearing. Tracked problem loans and conducted regular credit file audits.

Bank of America
Business Banking Officer
Arroyo Grande, CA
Jul 2003 – Jun 2006

Supported small business clients with credit, deposit, and treasury solutions while ensuring credit quality. Originated new business and enhanced customer relationships through needs-based consultative selling.

EDUCATION

• Western Governors University - M.B.A. Business Administration/Management
• Western Governors University - B.S. Business Administration/Management
• Western Governors University - A.S. Accounting

CERTIFICATIONS & COMMERCIAL BANK SPECIFIC EDUCATION

• Commercial Lending Certification – American Bankers Association
• Commercial Banking Academy Graduate
• Leadership - Western Governors University
• Business Management – Western Governors University
• Strategic Thinking and Innovation in Business – Western Governors University
• Business Startup Certified – Marketplace Simulations
• Financial Engineering, Advanced CRE Analysis, Advanced Commercial Lending, Cash Flow
Analysis, Loan Income and Fee Analysis, SBA Lending 1,2,&3, SBA Guarantee Collection
& Protection, Collateral Liquidation & Charge Off Process, Effectively Resolving Distressed
Loans & Bankruptcy Clawback Actions

HONORS & RECOGNITION

• Top Tier Producer: Loan Originations & Portfolio Growth (x2)
• Customer Service Excellence Awards (x2)
• Ambassador of the Quarter
• Business Partner Referral Award (Top in State)
• Pacific Mid-West Commercial Banker Honoree
• 1st Place Team Leader - Business Startup Simulation
• Top 10% Rank Worldwide - Business Startup Simulation

PUBLICATIONS

• Industry Achievement (Business & Finance) – Marquis Who’s Who – Jun 2025
• Featured Professional (Real Estate & Finance) – Canvas Rebel – Jan 2025

CORE SKILLS & COMPETENCIES

Commercial Real Estate (CRE) underwriting | construction and A&D lending | residential and
commercial construction finance | C&I middle market lending | commercial and consumer loan
underwriting | investment real estate analysis | credit underwriting and administration | credit risk
management | portfolio and asset management | credit analysis and structuring | financial
statement and tax return analysis | global cash-flow modeling | credit scoring and risk grading |
Debt Service Coverage Ratio (DSCR) | Loan-to-Value (LTV) analysis | collateral valuation and
appraisal review | project cost and budget analysis | contractor and borrower evaluation | market
feasibility studies | economic and industry trend analysis | SBA | USDA | FSA lending programs |
policy and regulatory compliance (FDIC | OCC | FRB | BSA | CRA | ECOA | Basel III | OSFI) |
loan approval and delegated credit authority | loan policy interpretation and governance | loan
documentation review | relationship management and client service | underwriting workflow
optimization | loan pipeline and backlog management | loan committee presentation and
reporting | negotiation and risk mitigation strategies | problem loan restructuring | special assets
and TDR management | concentration risk analysis | portfolio stress testing | dual risk-rating
methodology | annual loan review and monitoring | covenant testing and tickler management |
audit and regulatory exam preparation | internal control and risk governance | loss mitigation
oversight | construction disbursement and draw management | preconstruction review and
approval | commercial and consumer credit structuring | complex credit transaction approval |
loan modification and renewals | portfolio reporting and analytics | data-driven decision-making |
operational efficiency and process improvement | policy updates and compliance auditing |
performance measurement and portfolio reporting | business advisor and lender partnership |
capital markets coordination | financial modeling and scenario analysis | financial spreads and
narrative preparation | underwriting accuracy and quality control | leadership and team
management | staff supervision and performance evaluation | training and mentorship of analysts
| team development and career coaching | strategic planning and execution | organizational
strategy alignment | cross-functional collaboration | problem-solving and critical thinking |negotiation
and interpersonal communication | executive-level communication and presentation |
decision-making and professional judgment | confidentiality and compliance awareness |
customer service excellence | relationship building and retention | process improvement and
efficiency initiatives | risk mitigation and portfolio growth leadership | Microsoft Office Suite
(Word | Excel | PowerPoint | Outlook | Teams) | credit and loan origination systems (nCino |
Moody’s | PrecisionLender | Loan IQ | FIS | Encompass) | credit risk and portfolio management
tools | data analytics platforms | report writing and documentation accuracy | regulatory
adherence and audit readiness | operational leadership and workflow optimization | compliance
training and awareness | accuracy and attention to detail | innovation and continuous
improvement | time management and multitasking | business development collaboration |
integrity | professionalism | accountability | results-driven leadership.