Fred Holubik

• Managed credit applications and approvals, ensuring adherence to risk assessment protocols.
• Collaborated with lending teams to streamline documentation processes and enhance approval timelines.
• Conducted thorough credit analysis and risk evaluations for diverse client portfolios.
• Implemented process improvements resulting in increased efficiency in credit reviews and decision-making.
• Developed comprehensive reports on credit performance metrics for senior management review.
• Managed a high-performing team of credit analysts responsible for evaluating risks associated with prospective clients'' financial profiles.
• Mitigated potential losses by proactively identifying accounts requiring collection efforts or restructuring agreements.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Negotiated payment plans and loan terms with delinquent customers.

• Credit approval for Seattle Relationship Managers and Market President, $2.5 million credit authority.
• Collaborated with loan officers to streamline application workflows and improve efficiency.
• Developed training materials for new team members on credit assessment procedures.
• Review of bank loan policies and procedures to ensure compliance with lending regulations.
• Preparation of periodic CRA self-assessment report.
• Mitigated potential losses by proactively identifying accounts requiring collection efforts or restructuring agreements.
• Managed a high-performing team of credit analysts responsible for evaluating risks associated with prospective clients'' financial profiles.

Regal Financial Bank was acquired by Northwest Bank December 2014.

• Responsible for resolving/reducing criticized assets and past due loans.
• Research and analysis of policy, regulatory and legal issues related to collection of criticized assets.
• Review of new credit proposals to ensure proper risk assessment and adherence to bank loan policies.
• Streamlined loan underwriting processes and recalibrated loan filing systems.
• Oversight of Credit Underwriting and Loan Operations departments.

• Oversaw credit underwriting processes for Seattle/Bellevue and Portland regions to ensure thorough evaluation of borrower profiles and financial statements, $5 million credit authority.
• Mentored credit department staff, fostering professional growth and reinforcing compliance with internal standards.
• Collaborated with executive leadership to drive strategic decision-making related to credit approvals and risk management.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Transitioned acquired bank (Northwest Business Bank) into Pacific Continental credit processes and operating systems.

Northwest Business Bank acquired by Pacific Continental Bank in December 2005.

• Led credit risk assessment strategies to optimize loan portfolios and minimize default rates.
• Developed comprehensive credit policies ensuring compliance with regulatory requirements and industry standards.
• Oversaw credit approval processes, enhancing efficiency through streamlined workflows and decision-making protocols.
• Mentored junior staff in credit analysis techniques, fostering a culture of continuous learning and improvement.

• Directed business development activities of commercial banking team in NW washington state.
• Stabilized and reversed bank's declining market position following mass departure of tenured banking team.
• Promotion of bank through membership on community boards and participation in bank sponsored events.
• Coordinated delivery of commercial and retail banking services across multiple internal lines of business.

• Cultivated strong client relationships to understand business needs and enhance loan offerings.
• Analyzed financial data to assess creditworthiness and recommend suitable loan products.
• Collaborated with cross-functional teams to develop tailored financial solutions for diverse clients.
• Increased loan portfolio in excess of $10 million.

• Oversight of business development activities, marketing and credit underwriting for private leasing company.
• Expanded vendor and broker originated deal leads.
• Grew net income by over 10% and increased assets by 23% over prior year.

Held several positions with Key Bank during this period with increasing levels of responsibility.

• 1/98 - 7/98 - Senior Credit Officer, Tacoma, WA - managed 6 person credit department of Southern Puget Sound region, $6 million credit authority.
• 3/97 - 1/98 - Credit Officer, Seattle, WA - Middle Market and Community Development Departments, $3 million credit authority.
• 11/96 - 3/97 - Senior Credit Analyst, Seattle, WA
• 1/91 - 11/96 - Relationship Manager, Corporate Banking, Seattle, WA.