Karine Decker
San Jose,CA
Summary
Versatile business leader who has developed a variety of valuable skill sets over a 19 year career to include building and retaining client relationships, planning and coordination, project management, content development, leading presentations, team building, consulting and planning executive level events to assist the Director of Events in successfully leading, planning, and implementing Alumni Signature events for Santa Clara University.
Overview
19
19
years of professional experience
1
1
Certification
Work History
President
Ivy League Preparatory Consulting, LLC
01.2021 - Current
- Provide comprehensive consulting services for students preparing for undergraduate or graduate admission
- Provide guidance on the admissions process including assistance in completing the Common App, UC App, review of statement of purpose/admission essays, obtaining required transcripts, scheduling and test preparation of any required exams, obtaining letters of recommendation, applying for financial aid, identifying and applying for scholarship opportunities as well as providing scholarship essay review
- Organize and plan campus visits and tours for groups of students and parents including scheduling one on one meetings with advisors, shadowing and overnights
- Plan travel and accommodations for campus visits and preview days, new student welcome days, college fairs and campus tours throughout the year
- Create promotional and marketing materials for use on various platforms
- Organize, plan and lead outreach events, educational seminars, recognition dinners, and other special events for large groups throughout the year
- Provide budgeting, accounting and financial statements on a quarterly basis.
Vice President Commercial Lending /Business Development
Bank of San Francisco
12.2019 - 05.2021
- Responsible for sourcing new business development as well as for underwriting new loans, closing, and servicing a loan portfolio of U.S
- Small Business Administration loans and conventional commercial real estate loans, lines of credit, term loans and providing cash management and treasury management services for new and existing clients
- Responsible for developing an in-house SBA guidebook, SBA application forms, and transitioning the bank to electronic submission method for processing new applications
- Responsible for developing the procedure, workflow, and training all staff to process Paycheck Protection Loans (PPP) resulting in more than 750 PPP loans approved and funded for existing bank clients
- Met and exceed annual loan production goal of $10 million in new loans funded.
Vice President SBA Lending/Relationship Manager
California Bank of Commerce
06.2018 - 12.2019
- Top performing officer in the division with $11.3 million in new loan fundings through October 2019; $10.2 million in SBA and $1.1 million in conventional financing
- Met and exceeded 2019 end of year production goals in June and was at 113% by October of that same year
- Provided a one stop shop experience for the customer, taking them through advising, loan application, closing and funding
- Responsible for providing the right type of financing through a variety of loan products including; SBA 7(a), SBA 504, conventional C&I loans and commercial real estate loans
- This included structuring deals, financial analysis and oversight of the loan process from the application stage to loan approval through funding
- Provided ongoing management of the portfolio post-closing, including processing renewals, modifications, and increases
- Assisted in developing and drafting policies and procedures for the emerging business division
- Led training on SBA financing at SBA District Office and various referral partners (CPA firms, small business chamber events).
Business Development Officer
CDC Small Business Finance
02.2017 - 06.2018
- New to market officer responsible for the establishment of a corporate presence in the San Jose/South Bay area
- Responsible for new business development as well as structuring, determining eligibility and underwriting for SBA 504 and Community Advantage loans
- Funded $5.3 million in new SBA 504 and $250,000 in new Community Advantage loans within the first 12 month period.
Vice President Commercial Lending/Business Development
Midwest Regional Bank
11.2014 - 02.2017
- Assisted in launching a new SBA loan production office in Kansas City, Missouri
- Provided training for loan officers in SBA loan programs and underwriting
- Responsible for new business development and lead generation, underwriting, closing and servicing of SBA 7(a) and 504 loans
- Top performing officer in the Kansas City market prior 2 years in a row with $8.5 million in new loans funded in the last 9 months.
Vice President, Commercial Lending/SBA Specialist
Citizens Bank & Trust
07.2010 - 11.2014
- Responsible for creating an SBA lending department and training lenders and loan administration in underwriting, closing and servicing all types of SBA loans
- Funded $12 million dollars in new SBA loans in one year, doubling the bank's entire SBA loan portfolio in that same time period
- Funded $5 million dollars in conventional small business loans/year while cross selling services to treasury management, private banking and the trust department
- Ranked #1 in the Citizens Bank & Trust stack ranking report of all lenders for new loans booked and site visits made December 2012
- Met and exceeded 2013 end of year goals by 183%
- Met and exceeded 2014 end goals by 121%.
Director, Finance Programs
Midwest Small Business Finance (Non-Profit Certified Development Company)
01.2005 - 07.2010
- Expanded the company’s reach from a bi-county operation to state-wide status through an overhaul of operations including a complete rebranding of name, logo and website for the company and a streamlining of processes
- Won National U.S
- Small Business Administration award for best non-profit Certified Development Company in fiscal year 2010
- Received grant approval from the USDA to start a new Rural Revolving Loan fund to help finance small business in 20 counties in rural northwest Missouri in January 2010
- Managed $31 million dollar Revolving Loan Fund and was responsible for underwriting, closing and servicing loans for small businesses in Clay and Platte Counties
- Reported to the Board of Directors on a monthly basis, preparing financial statements and reporting on the loan portfolio and new business prospect activity
- Doubled 2007 loan volume in 2008 resulting in a record year for the organization
- Doubled 2008 loan volume in 2009 resulting in a record year for the organization
- Responsible for all phases of underwriting for 504 loans including applications, closings, servicing and compliance
- This included cash flow analysis, financial statement analysis, real estate analysis and profitability models for companies
- Coordinated Business Retention surveys with area small businesses
- Provided site location and demographic information to prospective new businesses to Clay County
- Coordinated and planned economic development activities including quarterly luncheons, Look North Award Dinner, Keystone Business Awards Gala, golf tournaments, and executive level windshield tours for top area companies
- Prepared reports for Board of Directors meetings, including financial statements and reporting and portfolio review.
Education
Doniphan Leadership Institute Graduate -
William Jewell College, Pryor Leadership Center
01.2008
Economic Development Finance Professional Certification (EDFP) -
The National Development Council
01.2006
M.A. Economics -
University of Missouri-Kansas City
01.2005
B.A. Economics -
University of Missouri-Kansas City
01.2002
Skills
- Organizational Leadership
- Operational Excellence
- Project Management
- Strategic Planning
- Creating and Delivering Presentations
- Effective Communicator and Public Speaker
- Planning and Coordination
- Leadership Team Building
- Client Relationship Building
- Sales and Marketing
Accomplishments
Planned and organized executive level luncheons and dinners for large groups of business leaders including the annual Look North Award ceremony and Keystone Award Ceremony.
Organized, planned and managed golf tournaments for business executives
Organized and led campus tours, planned on and off site events for students and families.
Served as a parent volunteer on the planning and giving committee for the Rockhurst Jesuit High School Spectacular Auction held each year from 2014-2018.
Successfully attracted and retained millions of dollars in new client relationships for lending institutions, provided project management for complex projects, conducted financial analysis, and budget and risk management.
Led educational seminars on a variety of topics for large groups of individuals, corporations and executives.
Professional Affiliations
Prior Affiliations
Board of Directors, Gilroy Economic Development Partnership
Treasurer, Board of Directors, Visit Gilroy
Workforce Development Committee Member, Gilroy Chamber of Commerce
Member, Gilroy Rotary
Board of Directors, Oakland Latino Chamber of Commerce
Finance Committee Member, Oakland Latino Chamber of Commerce
Co-Chair, Community Relations Committee Santa Clara Chamber of Commerce
Member, National Association of Government Guaranteed Lenders
Member, National Association of Development Companies
Prior Affiliations (Kansas City)
School Board President, Saint Patrick’s School (2010-2014)
Rockhurst High School Auction Committee - Event Planning & Giving Rockhurst High School (2014-2018)
Board of Directors, Northland Partners, Inc.
Member, South Platte Rotary
Charter Member, Northland Sertoma Club
Member, Vision North Committee
Member, Northland Neighborhoods, Inc. Resource Committee
Member, National Association of Development Companies
Member, International Economic Development Council
Other
United States and Brazil, English, Portuguese
Certification
National Development Council Economic Development Finance Professional Certification E.D.F.P.
Languages
Portuguese
Native or Bilingual
English
Native or Bilingual
Timeline
President
Ivy League Preparatory Consulting, LLC
01.2021 - Current
Vice President Commercial Lending /Business Development
Bank of San Francisco
12.2019 - 05.2021
Vice President SBA Lending/Relationship Manager
California Bank of Commerce
06.2018 - 12.2019
Business Development Officer
CDC Small Business Finance
02.2017 - 06.2018
Vice President Commercial Lending/Business Development
Midwest Regional Bank
11.2014 - 02.2017
Vice President, Commercial Lending/SBA Specialist
Citizens Bank & Trust
07.2010 - 11.2014
Director, Finance Programs
Midwest Small Business Finance (Non-Profit Certified Development Company)
01.2005 - 07.2010
Doniphan Leadership Institute Graduate -
William Jewell College, Pryor Leadership Center
Economic Development Finance Professional Certification (EDFP) -
The National Development Council
M.A. Economics -
University of Missouri-Kansas City
B.A. Economics -
University of Missouri-Kansas City
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