Grant Reid
Antelope
Summary
Accomplished Credit Manager with over 20 years of experience in the banking and commercial lending industry, specializing in credit strategy and leading high-performing underwriting teams. Successfully oversaw more than $1 billion in SBA loan approvals, demonstrating expertise in credit risk management, process optimization, and policy compliance. A collaborative leader recognized for effective partnerships with sales, administrative, and executive teams to enhance portfolio performance and operational efficiency while ensuring regulatory compliance. Committed to staff development and streamlining credit operations to align with institutional growth and risk appetite.
Overview
20
20
years of professional experience
1
1
Certification
Work History
VP, Credit & Underwriting Manager
California Statewide CDC
06.2023 - Current
- Lead and mentor a 10-member underwriting team driving SBA 504 originations and complex credit decisions.
- Serve as primary credit approval authority and board liaison, presenting detailed credit memorandums and recommendations to the Board of Directors.
- Provide underwriting staff with feedback, assist with corrections, and offer solutions.
- Direct departmental strategic planning, policy enforcement, and professional development programs, ensuring alignment with institutional lending standards.
- Partner with business development and sales teams to structure high-quality credit packages that balance growth and risk.
- Implemented enhanced workflow tracking and performance management systems, improving underwriting efficiency and turnaround times.
Senior Underwriter / Team Lead
California Statewide CDC
10.2020 - 06.2023
- Underwrote $200 million+ in SBA 504 transactions, focusing on business construction and fixed-asset financing.
- Prepared credit memorandums and risk assessments presented to Senior Credit Committee and SBA:
- Assessed borrower financial health, credit quality, and repayment ability.
- Evaluate business and personal financials, tax returns, projections, and global cash flow.
- Perform in-depth analysis of industry trends, creditworthiness, and collateral adequacy.
- Lead third-party report review processes for appraisal/environmental reports.
- Supported executive leadership by reviewing large-scale or high-risk transactions and mentoring underwriting staff on SBA policy interpretation.
- Enhanced credit analysis templates and tools, reducing variance in underwriting credit presentations.
Corporate Underwriter II
Live Oak Bank
10.2018 - 09.2020
- Underwrote $100 million+ in SBA 7a transactions, focusing on business acquisitions.
- Prepared credit memorandums and risk assessments presented to Senior Credit Committee (See above Statewide CDC job details also consistent with this role).
- Developed standardized underwriting tools adopted company-wide, improving loan presentation accuracy and consistency.
- Identified workflow inefficiencies and introduced corrective measures that reduced credit rework requests.
Government Guaranteed Loan Underwriter
Tri Counties Bank
09.2017 - 09.2018
- Underwrote SBA 7(a) and USDA transactions.
- Prepared credit memorandums and risk assessments presented to Senior Credit Committee (See above Statewide CDC job details also consistent with this role).
Business Loan Underwriter II
SAFE Credit Union
10.2015 - 09.2017
- Underwrote SBA Express and conventional CRE investor transactions.
- Underwrote business credit card and auto loans.
- Managed a commercial loan portfolio encompassing SBA and conventional credits.
Relationship Banker / Manager on Duty
JP Morgan Chase
04.2011 - 10.2015
- Acquired and developed high-value deposit and investment account relationships.
- Identified and analyzed client financial needs, providing tailored product and service recommendations.
- Opened and maintained complex account types, including business, estate, and trust accounts.
- Reviewed and evaluated loan documents, tax filings, legal instruments, trusts, and corporate records.
- Interpreted and communicated bank policies and regulatory guidelines to clients and staff.
- Consulted with clients to assess their financial position, lending eligibility, and product suitability.
- Managed daily branch operations and participated in strategic decision-making at the management level.
- Granted system authority to execute overrides on high-value client financial transactions.
- Accountable for auditing employees and cash-based bank transactions, ensuring adherence to internal controls.
- Fostered collaboration and relationship building across multiple internal departments.
Business Payroll Sales Representative
Wells Fargo Bank
06.2010 - 04.2011
- Managed a 22-branch territory driving payroll service sales and relationship development.
- Delivered executive-level presentations on integrated financial and payroll solutions, achieving consistent quartile performance.
Merchant Card Payment Solutions
Wells Fargo Bank
04.2006 - 05.2010
- Delivered customized payment processing solutions tailored to meet the unique needs of business clients.
- Performed in-depth fee analyses and guided clients through complex application and underwriting processes.
- Ensured full compliance with internal policies, industry standards, and regulatory requirements.
- Fostered cross-departmental collaboration to enhance service delivery, client satisfaction, and overall business value.
Education
Bachelor of Science - Business Administration
Liberty University
Lynchburg, VA05.2017
Skills
- Team Leadership, Talent Development & Performance Management
- SBA 504 & 7(a) Lending Credit Policy Development & Implementation
- Commercial & Government-Guaranteed Credit & Underwriting Analysis
- Portfolio and Client Relationship Management
- Regulatory Compliance & Process Optimization
- Cross-Functional Collaboration & Executive-Level Communication
Certification
- Financial Accounting for Lenders — Omega Performance
- Series 6 — FINRA Investment Securities
- Series 63 — FINRA Investment Securities
- California Life Insurance
Timeline
VP, Credit & Underwriting Manager
California Statewide CDC
06.2023 - Current
Senior Underwriter / Team Lead
California Statewide CDC
10.2020 - 06.2023
Corporate Underwriter II
Live Oak Bank
10.2018 - 09.2020
Government Guaranteed Loan Underwriter
Tri Counties Bank
09.2017 - 09.2018
Business Loan Underwriter II
SAFE Credit Union
10.2015 - 09.2017
Relationship Banker / Manager on Duty
JP Morgan Chase
04.2011 - 10.2015
Business Payroll Sales Representative
Wells Fargo Bank
06.2010 - 04.2011
Merchant Card Payment Solutions
Wells Fargo Bank
04.2006 - 05.2010
Bachelor of Science - Business Administration
Liberty University