Work Preference
Summary
Overview
Work History
Education
Skills
Board Memberships Professional Associations
Certification
Accomplishments
Work Availability
Timeline
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Guido M. Piggott
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Guido M. Piggott

Spring,TX

Work Preference

Job Search Status

Open to work
Desired start date: Flexible

Desired Job Title

Chief Credit OfficerCommercial Credit Portfolio ManagerUnderwriter

Work Type

Full Time

Location Preference

On-SiteRemoteHybrid
Location: Spring, TX, USHouston, TX
Open to relocation: Yes

Summary

Seasoned banking and commercial lending professional with extensive expertise in credit risk management, portfolio administration, commercial real estate (CRE) lending, SBA financing, and mortgage lending within highly regulated financial environments. Proven track record of structuring complex credit transactions, optimizing underwriting standards, and managing the full loan lifecycle from origination and risk assessment through servicing, restructuring, and recovery. Skilled in developing and implementing credit policies, strengthening regulatory compliance frameworks, and driving portfolio growth while maintaining strong asset quality and disciplined risk controls. Recognized for delivering strategic lending solutions, mitigating credit exposure, and leading resolution efforts for nonperforming assets to support sustainable financial performance and operational excellence.

Overview

40
40
years of professional experience

Work History

FOUNDER & DIRECTOR

USV Bancorp, Inc.
Houston, TX
09.2022 - 01.2026
  • Directed end-to-end bank acquisition and market entry initiatives, overseeing legal due diligence, regulatory coordination, site selection, executive recruitment, and operational readiness for two new branch locations.
  • Led the acquisition strategy for an $88M financial institution, securing $30M in capital funding and driving investor engagement to support expansion and long-term growth objectives.
  • Authored comprehensive business plans, pro forma financial statements, and regulatory documentation, ensuring compliance with banking standards and facilitating approval processes with governing agencies.
  • Spearheaded strategic expansion into the U.S. banking sector by establishing a corporate entity to acquire a Texas-based bank and execute a cross-border merger strategy for launching a Vietnamese banking institution in Houston, Texas.

MORTGAGE LENDER

NEXA Mortgage, LLC; Motto Mortgage Gracemark; AmCap Mortgage; Uptown Funding, LLC
Houston, TX
12.2018 - 12.2025
  • Designed and implemented a structured marketing and business development strategy that increased professional referral generation, strengthened sales pipeline development, and enhanced client acquisition efforts.
  • Established and launched the Houston office, leading daily operations, managing a team of mortgage lenders, and driving operational efficiency, team performance, and revenue growth initiatives.
  • Secured and maintained designation as the preferred lender for a 55+ community homebuilder, cultivating strategic partnerships and delivering tailored mortgage financing solutions to support residential sales growth.
  • Achieved certification as an approved mortgage lender for Harris County and City of Houston down payment assistance programs, expanding borrower accessibility to affordable housing financing and government-backed lending opportunities.

CHAIRMAN & FOUNDER

Noble Bancorporation, Inc.
Houston, TX
04.2017 - 02.2018
  • Directed the execution of a definitive agreement to acquire a banking institution, establishing a bank holding company structure to support long-term growth, corporate governance, and regulatory compliance initiatives.
  • Built and managed a consortium of core investors while forming a high-performing Board of Directors to provide strategic oversight, strengthen governance frameworks, and support organizational expansion objectives.
  • Developed comprehensive business plans, pro forma financial statements, and regulatory submission packages, successfully obtaining final merger approval from the Texas Department of Banking and the Federal Reserve Bank of Dallas.
  • Led end-to-end transaction management for the acquisition of a $96M banking institution, securing $24M in equity capital and arranging $8M in subordinated debt financing to optimize capitalization and financial stability.

CHIEF CREDIT OFFICER & DIRECTOR (CHIEF LOAN OFFICER, 2006 - 2011)

Wallis State Bank
Houston, TX
10.2006 - 03.2017
  • Designed and implemented enterprise-wide credit risk management frameworks, including Loan Policy, Automated Consumer Loan Scoring systems, ALLL models, and ORE policies, strengthening regulatory compliance, portfolio governance, and risk mitigation strategies.
  • Established and scaled Mortgage and SBA lending divisions while overseeing end-to-end lending operations, including underwriting, loan processing, servicing, audits, and credit review functions to enhance operational efficiency and portfolio diversification.
  • Drove significant institutional growth by expanding total bank assets from approximately $200M to over $950M while maintaining strong asset quality, disciplined credit standards, and superior return on assets (ROA) and return on equity (ROE) performance.
  • Strengthened governance and recovery operations by chairing the Director's Loan Committee, leading regulatory and audit engagements, and optimizing resolution strategies for non-performing assets, bankruptcies, foreclosures, litigation cases, and ORE portfolios.

Education

Bachelor of Business Administration - Management & Economics

University of Texas
Austin, TX

Skills

  • Banking Operations Leadership
  • Commercial Lending Strategy Development
  • Mortgage Lending Operations Management
  • Team Leadership & Staff Supervision
  • Capital Raising & Investor Relations
  • Bank Acquisition & Merger Strategy
  • Credit Risk Management & Mitigation
  • Risk-Based Credit Decision-Making
  • Loan Review & Audit Coordination
  • Credit Underwriting & Risk Assessment
  • Portfolio Management & Optimization
  • Asset Quality Monitoring & Regulatory Reporting

Board Memberships Professional Associations

  • Former Chairman, Government Relations Council, Texas Bankers Association
  • Former Chairman, Community Bankers Council, Texas Bankers Association
  • Former Board Member, Texas Bankers Association
  • Former Team 21 Chairman for Texas, Government Relations Council, American Bankers Association
  • Former Advisory Board Member, Alex Sheshunoff Professional Master of Banking School
  • Missions Team Member, Woodlands Church

Certification

Licensed Texas Mortgage Loan Officer

NMLS # 1747497

Accomplishments

Served as Chief Lending Officer and Chief Credit Officer

Served as bank CEO and Director

Served on the Texas Banker's Association Board

Obtained approval from the Texas Banking Department and Federal Reserve Bank of Dallas to acquire a rural Texas Bank

Raised $24 million in capital to support the acquisition

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

FOUNDER & DIRECTOR

USV Bancorp, Inc.
09.2022 - 01.2026

MORTGAGE LENDER

NEXA Mortgage, LLC; Motto Mortgage Gracemark; AmCap Mortgage; Uptown Funding, LLC
12.2018 - 12.2025

CHAIRMAN & FOUNDER

Noble Bancorporation, Inc.
04.2017 - 02.2018

CHIEF CREDIT OFFICER & DIRECTOR (CHIEF LOAN OFFICER, 2006 - 2011)

Wallis State Bank
10.2006 - 03.2017

Bachelor of Business Administration - Management & Economics

University of Texas

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