Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Karen Nuno

Santa Maria,CA

Summary

Seasoned result driven leader leveraging 25-years of both SBA and commercial lending coupled with loan administration in the financial sector. Proven record of cross-functional, departmental and management-level collaboration, building solid consensus and strategizing business enhancements. Highly adept in demonstrating key strengths in the alignment and fulfillment of organizational goals through development, planning and execution.

Overview

27
27
years of professional experience

Work History

Executor of Trust

N/A
Orcutt, CA
09.2022 - Current
  • Create a solid platform for the handling and management of complex transactions involving multiple Trust Agreements.
  • Perform Executor fiduciary responsibilities under state law.
  • Research relevant legal matters related to Trust Agreement.
  • Manage trust distributions in accordance with terms of the Trust Agreement.

Vice President of Government Guaranteed Lending

Coasthills Credit Union
Santa Maria, CA
06.2018 - 09.2022
  • Created a specialized Government Guaranteed Loan Department that offered SBA 7(a), SBA 504 and USDA loan products to assist applicants that were unable to obtain financing through conventional lending channels.
  • Developed a successful streamlined prequalification platform to support quick turn-around in a thorough manner.
  • Reviewed loan presentations for appropriate recommendation (i.e., approval, counteroffer or decline)

Vice President of Business Services

Coasthills Credit Union
Santa Maria, CA
06.2018 - 09.2022
  • Supported Chief Credit Officer with Lending Operations, Board Reports and special projects.
  • Successfully managed a $300MM loan portfolio that consisted of commercial real estate, C&I and loan participations.
  • Leveraged software to rebuild the lending infrastructure to meet internal and external needs within required policies and regulatory requirements
  • Designed scalable processes to manage variations in work volume without requiring changes / increases to staffing model.
  • Successfully represented the Credit Union for internal and external audits / examinations, with no findings under my direct management.

Vice President of Small Business Lending

American Riviera Bank
Santa Barbara
01.2016 - 06.2018
  • Integrated the merger of The Bank of Santa Barbara with American Riviera Bank as it pertained to the SBA 7(a) loan portfolio.
  • Successfully obtained PLP Status with the U.S. Small Business Administration to provide added value to the company's product.
  • Managed the development and underwriting of SBA 7(a) terms loans and revolving line of credits.
  • Recruited, interviewed and hired staff offering valuable expertise and skills to the lending department.

Vice President of SBA Lending

The Bank of Santa Barbara
Santa Barbara, CA
04.2014 - 12.2015
  • Managed a loan portfolio in excess of $100MM.
  • Engineered an SBA 7(a) Loan Department with innovative solutions suited to the small business community.
  • Led, structured and negotiated complex credit transactions and documentation to mitigate risk.
  • Managed loan underwriting, loan processing, loan documentation and the liquidation of the SBA portfolio
  • Presented loan requests to Loan Committee / Board of Directors.
  • Successfully collaborated with auditors and examiners with no findings under my direct management.

Senior Credit Analyst

Mission Community Bank
San Luis Obispo, CA
10.2013 - 04.2014
  • Managed and supported junior credit analysts and credit support.
  • Assessed operational effectiveness and developed strategies for improvement.
  • Produced thorough, accurate and timely reports of loan activity.

First Vice President of SBA Lending

Heritage Oaks Bank
Santa Maria, CA
06.2010 - 07.2013
  • Managed a loan portfolio in excess of $200MM.
  • Established a new SBA 7(a) Loan Department within the Commercial Lending Division
  • Provided leadership in establishing internal controls over all aspects of the lending process including loan origination, underwriting and servicing activities.
  • Responsible for the recruitment, hiring and mentoring of staff members encouraging professional development opportunities.
  • Achieved positive audit results, with no findings under my direct management.

Vice President of Government Guaranteed Lending

Rabobank N.A.
Arroyo Grande, CA
05.2004 - 06.2010
  • Managed a loan portfolio in excess of $500MM.
  • Created and implemented departmental procedures to support loan origination of government guaranteed loan products through loan liquidation.
  • Prepared and provided executive reports for presentation at corporate headquarters.
  • Reviewed loan presentations for approval consideration.
  • Engaged with clients for formal signing and to discuss their loan documentation

Vice President of SBA Loan Servicing

Goleta National Bank
Goleta, CA
12.1996 - 05.2004
  • Managed servicing, collections, and liquidation of the SBA 7(a) loan portfolio, consisting of the States of California, Nevada, Georgia, and Florida.
  • Maintained successful audit results with zero findings under my direct management.

Education

Certificate of Completion - Business Management

Western CUNA Management School
San Clemente, CA
07-2022

Some College (No Degree) - Accounting

Allan Hancock College
Santa Maria, CA

Skills

  • Planning / Budgeting & Forecasting
  • Credit Risk Management
  • Audit
  • Advanced in Microsoft Office Suite

References

References available upon request.

Timeline

Executor of Trust

N/A
09.2022 - Current

Vice President of Government Guaranteed Lending

Coasthills Credit Union
06.2018 - 09.2022

Vice President of Business Services

Coasthills Credit Union
06.2018 - 09.2022

Vice President of Small Business Lending

American Riviera Bank
01.2016 - 06.2018

Vice President of SBA Lending

The Bank of Santa Barbara
04.2014 - 12.2015

Senior Credit Analyst

Mission Community Bank
10.2013 - 04.2014

First Vice President of SBA Lending

Heritage Oaks Bank
06.2010 - 07.2013

Vice President of Government Guaranteed Lending

Rabobank N.A.
05.2004 - 06.2010

Vice President of SBA Loan Servicing

Goleta National Bank
12.1996 - 05.2004

Certificate of Completion - Business Management

Western CUNA Management School

Some College (No Degree) - Accounting

Allan Hancock College

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