Marylou Lawrence14997 Lago Dr

Rancho Murieta, Ca. 95683916-667-2308

Bilingual Business Development/Relationship Manager, With 20 years experience, providing extensive broad-based lending experience. Abil-ity to develop and successfully capture Commercial, Ag Business, SBA 7A & 504 opportunities. Solid Originating, Underwriting & Credit skills. ___________________________________________________________Core Strengths: SBA7a & 504 Loan Origination Business Develop-ment

Underwriting Skills Business FinanceRelationship Management Commercial Real

Estate Agricultural Background Coaching & Team Growth_____________________________________________________________Professional Experience:Farmers & Merchants Bank: Elk Grove Branch Manager II VP. Sep 2015-Jun 2016

• Developed and managed new commercial and retail customer relation-ships

• Grew deposits and generated over 40 new client accounts in less than 1 year

• Increased small business loan growth by $1.5 MM within 6 months• Assumed role as team leader • Active in Sacramento farm Bureau and several other Elk Grove busi-

ness groups• Supporting team members, in building, growing deposits, & loans. • Solid Bank Representation• Interviewed applicants and obtained sufficient information

California Bank & Trust: Business Development/ Relationship Man-ager, AVP Dec 2010 – Aug 2015

• Managed and maintained commercial loan portfolio of $35 million • Originated & Developed New Client Relationships• Processed renewals, modifications, & increases in loans & lines

• Managed delinquencies at an except able level• Maintaining Risk Ratings of loans and protecting banks policies & pro-

cedures, to insure complete compliance.• Exceeded loan growth annually, by $10 million in Commercial & SBA

7A & 504 loans with term approvals.• Grew deposits by $ 15 million • Underwrote SBA 7A & 504 loans.• Structured loans & participated throughout the underwriting approval

process• Coached team members on structuring loans and relationship development• Collaborated with the Leasing & Finance Team for equipment loan referrals • Involved in multiple community events including organizing and chairing four

charity events that raised $11,500.00 for St. John's Shelter for Women & Children

Premier West Bank: Regional Business Development/Relation-ship ManagerSept 2007 - June 2010

• Originated Commercial Loans & Deposits• Initiated the promotions of other Bank Products & Services to

strengthen & deepen client relationship.• Promoted to Regional Business Development Manager.• Underwrote SBA 7A and 504 loans throughout Northern California Re-

gion• Promoted community involvement and active on board of directors for

the Elk Grove Chamber of Commerce, Elk Grove Rotary, and BNI of Elk Grove.

• Became the FACE of Premier West Bank in Elk Grove

Bank of the West: (Lodi) Financial Services Consultant

July 2003-Sep 2007• Started career as a commercial/personal banker and became the #4

FSR in the Northern California Region.• Focused on Business lines of credit, home purchases and commercial

business and real estate refinance

Old Republic Title Company (Lodi) Senior Escrow Assistant Feb 1999 – June 2003

• Originated escrow accounts.

• Ordered preliminary report and deposited funds into escrow accounts• Verified titles were clear of judgments and liens • Requested loan documents and verified property insurance coverages• Audited loan documents and released funds as need

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Licenses:Licensed California NotaryNMLS-MLO #856764California RE License__________________________________________________________________

Organizations:~ Elk Grove Chamber of Commerce~ Elk Grove Rotary~ BNI of Elk Grove~ Elk Grove PFSA (Portuguese Fraternal Society of America)

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Education: Cosumnes River College- BA, Business Economics 1991