Professional Documents
Culture Documents
MACIE
118 W. Branch Street, Nipomo, California 93444 a 805-709-4026 a pm7af8d4@westp
ost.net
PROFESSIONAL EXPERIENCE
RABOBANK, N.A. (Formerly Mid-State Bank), Arroyo Grande, California
Was responsible for the inspection and disbursement process for all construction
loans in California, Nevada and Arizona. Reviewed all construction projects for
feasibility and performed cost analysis. Trained lending and support staff in t
he preparation of budgets and draw requests. Monitored new projects, tracked bud
gets and collaborated with Special Assets Department on distressed projects.
Oversaw the day to day operations of a centralized loan center servicing 41 bran
ch offices and 6 regional commercial loan departments. Supervised 50 non-exempt
associates that were responsible for documenting all loans using Laser Pro, boar
ding the loans on the mainframe application ITI, and the follow up for recorded
and other related documents. Coordinated the servicing and reporting for all loa
ns sold to Freddie Mac, Fannie Mae, and SBA.
a Centralized all the note related functions, previously performed in the office
s and commercial loan departments.
* Created a database for tracking all incoming loan applications and their final
resolution.
* Effectively utilized third party vendors to provide services, i.e. credit repo
rts, escrow & title.
* Maximized F.T.E by utilizing part time staff and creating an evening shift.
* Received favorable audits, due to sound controls, and detailed written policie
s/procedures.
* Proven ability to lead, inspire and motivate a team to achieve ever changing c
orporate objectives.
a Spearheaded Loan Operations through 4 successful bank mergers/acquisitions.
* Created an acquisition plan, utilizing key personnel to integrate systems & pr
ocesses.
* Outsourced the offsite storage of loan files for effective control and efficie
nt retrieval.
* Provided training to lending personnel in new system, processes, and procedure
s
Santa Barbara Savings & Loan Association, San Luis Obispo, California
Vice President / Regional Manager, Retail Operations (7/1987 a" 10/1991)
Responsible for the growth and development of 14 retail offices in San Luis Obis
po and Kern County.
* Developed a sales and service team that consistently exceeded expectations.
* Created an environment of teamwork between retail offices and support departme
nts.
* Managed budgets effectively through the creative use of FTE.
a Note: Additional professional history includes positions at First Charter Ban
k, MetroBank, First Pacific Bank, California Overseas Bank and CitiBank.
Additional Coursework / Training: Fair Credit Reporting Act, ECOA RegB, Real Est
ate Lending Compliance
Commercial Lending Compliance, Construction Lending Compliance, Bank Secrecy and
Community Reinvestment Acts.