President – North Point Financial Resourcing & Solutions (2006 – present)

Professional Financial Services Company focusing on:

» Business Valuations, Business Interruption and Economic Loss

» Financial Consulting and Strategic Analyses for Businesses

» Packaging and Sourcing Commercial, SBA and Residential Loans

» Commercial Credit Exams and Due Diligence for Banks and Financial Institutions

Banking and Finance

SVP/Commercial Banking Officer (Acting Senior Lender  – North Valley Bank (1998 - 2005)

VP/Commercial Real Estate – River City Bank (1995 – 1998)

AVP/Branch Manager – The Money Store (1992 – 1995)

Supervisory Loan Specialist – U.S. SBA Disaster Assistance Division (1984 – 1992)

» Performed detailed cash flow, credit, collateralization and economic analyses on over 2,000 various businesses.

» Determined economic losses via changes in sales, gross margins, contribution margins and working capital from natural disasters and other causes.

» Developed forecasts of revenues and expenses.

» Performed in-depth analyses of complex financial statements, appraisals, environmental reports, leases, title reports, purchase contracts and other business
   documents.

» Worked out poorly structured and non-performing loans.

» Supervised commercial, residential and consumer loan departments.

» Developed, trained and implemented commercial loan underwriting standards and procedures.

» Expertise in all commercial credit facilities including equipment, inventory, working capital, real estate, construction, subdivision development, SBA loans and loan
   participations.

» Coordinated and conducted town hall meetings with local business owners and community leaders concerning SBA disaster loan programs.

» Originated and managed customer relationships.

Teaching

Associate Professor – College of the Redwoods (2000 – 2001)

Accounting Instructor – Heald Business College (1983 – 1984)

» Part-time professor of introductory accounting courses.

NACVA Business Valuation and Certification Training Center (2006)

Business Valuations: Fundamentals, Techniques and Theory
Business Valuations: Asset, Income and Market Approaches
Business Valuations: Applications of Discounts and Premiums

Banking and Commercial Lending and Analysis Training Courses (1995 – 2005)

Taxanalysis
Moody’s and FAMAS Spreadsheet Preparation and Analysis
Commercial Real Estate Appraisals and FIRREA
Environmental Issues and Lending
Management Training
Bank Regulatory Compliance

Certified Management Accountant Exam Course Study (1987 – 1988)

Cost Accounting
Finance
Information Management
Strategic Planning

San Jose State University (1983)

BS in Business Administration concentrating in Accounting

Accredited Valuation Analyst (2007) – National Association of Certified Valuation Analysts
Certified Management Accountant (1988) – Institute of Management Accountants
Teaching Credential in Accounting, Banking and Finance (1988) – California Community Colleges

National Association of Certified Valuation Analysts
Institute of Certified Management Accountants
American Institute of Certified Public Accountants (Humboldt County Chapter Associate)