KIMBERLY M. SAKAMOTO
COVINGTON,WA
Summary
Highly motivated and collaborative contributor with 16+ years of banking experience with a diversified lending background in commercial portfolio management, relationship management, and underwriting. Possess strong communication and interpersonal relationships skills that have positively attributed to several successful banking teams to help create solid client relationships with over $200 million in new commercial loan originations, $305 million in residential loan closings, and $400 million in managing and maintaining of existing clientele throughout career.
Overview
16
16
years of professional experience
Work History
Residential Loan Officer Assistant, Assistant Vice President
COLUMBIA BANK (UMPQUA BANK, March 2023)
Bellevue , WA
2019.08 - Current
- Conduct interviews with prospective borrowers to obtain information for loan applications.
- Facilitate communication with clients throughout the loan process by informing customers of loan application requirements and deadlines.
- Negotiate terms and conditions of loans with customers, ensuring compliance with regulatory requirements.
- Compile and submit loan applications, supporting documents, and appropriate disclosures in accordance with established procedures.
- Analyze financial data and credit reports of prospective borrowers to determine eligibility for loans and loan amounts.
- Access application needs and document requirements necessary for loan approval and closing.
- Work with underwriters and borrowers to meet loan conditions for closing while adhering to Bank and Federal policy and guidelines.
- Assist and coordinate with internal parties involved in the loan process, including the loan officer, underwriters, closers, realtors, and title/escrow.
- Monitor the progress of each loan application from submission through closing.
- Identify valuable solutions for customers with credit problems.
- Reviewed appraisals, title commitments, surveys and other documents related to real estate transactions.
Commercial Portfolio Manager/ Relationship Manager, Assistant Vice President
COLUMBIA BANK (UMPQUA BANK, March 2023)
Bellevue , WA
2017.08 - 2019.08
- Retained and deepened existing commercial banking relationships with a portfolio of $65 million in loan commitments with an average outstanding loan balance of $50 million
- Performed credit underwriting and detailed financial analysis on new deals, annual reviews, renewals, and loan modifications
- Structured and presented loan term sheets to borrowers for new/ existing lending relationships and credit committee when necessary
- Performed quarterly trend analysis to affirm current loan risk ratings and maintain timely downgrades and upgrades when acceptable
- Facilitated closing of loan/line transactions
- Sought out new business opportunities for existing clientele to grow the Bank’s Commercial Banking portfolio and provide diversified financial services and counseling to help clients meet their goals
- Worked directly with clients in loan servicing, new products, and new loan requests.
Commercial Loan Officer III, Assistant Vice President
AMERICAN SAVINGS BANK
Honolulu , HI
2015.06 - 2017.04
- Developed and managed and grew a $24 million C&I loan portfolio to $32 million which consisted of revolving lines of credit, equipment lines, and Owner-Occupied CRE loans.
- Advised clients on funding allocation status and high-risk debt consolidation scenarios to achieve acceptable debt-to-income ratios.
- Assisted clients with financing options for commercial loans (secured and non-secured), lines of credit, and deposit products/services decisions.
- Structured credit terms and pricing for real estate secured and non-real estate secured commercial loans and lines of credit.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Managed/mitigated risk for special credits in portfolio, reducing portfolio’s criticized asset size by 45% through working with borrowers, taking sound restructuring measures, and obtaining loan payoffs.
- Monitored loan portfolios for compliance with regulations and internal policies.
Commercial Loan Officer II
AMERICAN SAVINGS BANK
Honolulu , HI
2014.12 - 2015.06
- Developed loan proposals, credit memos, compiled financial information for loan committee review, and reviewed loan documents.
- Helped facilitate joint client calls with senior loan officer.
- Analyzed financial statements and identified business trends to determine credit growth opportunities and risk assessments.
- Collaborated on structuring new and existing loans terms with senior loan officer while maintaining bank standards and adhering to credit policy within the financial reports for accurate risk management and financial analysis.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Performed quarterly covenant tests and acquired necessary financial reporting documents from clients.
Commercial Real Estate Underwriter I & II
CENTRAL PACIFIC BANK
Honolulu , HI
2010.01 - 2014.12
- Supported and managed a portfolio of approximately $300 million in outstanding loan balances.
- Analyzed financial statements; identified cash flow and market trends that were used to underwrite risk mitigation.
- Structured CRE loans for small ($250K) and large ($15 million +) commercial real estate, secured loans for new/ existing borrowers.
- Prepared/presented new/existing CRE requests to credit committee.
- Accompanied loan officers on client meetings, networking events for prospective customers, and property inspections.
- Prepared CRE portfolio reports and loan monitoring reviews.
- Managed credit ratings by identifying potential risks for new and existing customers, downgrading and upgrading loans while formulating actions plans to help borrowers maintain their loans and improve their risk standing with the Bank.
Education
BACHELOR OF ARTS DEGREE - Business Administration/Economics
THE EVERGREEN STATE COLLEGE
Skills
- Portfolio Management
- Cash Flow Analysis
- Credit Analysis and Review
- Documentation Review
- Loan Processing
- Debt Management
- Loan Modification
- Corporate & Personal Financial Statements Analysis
- Referral Network Development
- Financial History Analysis
- Market Analysis
- Regulatory Compliance
- Loan Monitoring
- NMLS Registration
- Customer Service-Focused
- Strong collaborator
- Detail Oriented
- Highly Coachable
Other Work Experience
OTHER WORK EXPERIENCE:
Trustee of the Board | KIDSQUEST CHILDRENS MUSEUM, BELLEVUE, WA |SEPTEMBER 2018 – DECEMBER 2021
Business Client Service Center (BCSC) Supervisor| CENTRAL PACIFIC BANK, HONOLULU, HI | September 2007 – December 2009
Business Banker I | CENTRAL PACIFIC BANK, HONOLULU, HI | July 2007 – September 2007 |
Account Service Representative | HAWAIIANELECTRIC EMPLOYEES FCU, HONOLULU, HI | September 2006 – July 2007
Training
- Omega - Commercial Credit Program, 01/2018, 03/2019
- RMA – Analyzing Commercial Contractors, 02/2019
References
References available upon request.
Timeline
Residential Loan Officer Assistant, Assistant Vice President
COLUMBIA BANK (UMPQUA BANK, March 2023)
2019.08 - Current
Commercial Portfolio Manager/ Relationship Manager, Assistant Vice President
COLUMBIA BANK (UMPQUA BANK, March 2023)
2017.08 - 2019.08
Commercial Loan Officer III, Assistant Vice President
AMERICAN SAVINGS BANK
2015.06 - 2017.04
Commercial Loan Officer II
AMERICAN SAVINGS BANK
2014.12 - 2015.06
Commercial Real Estate Underwriter I & II
CENTRAL PACIFIC BANK
2010.01 - 2014.12
BACHELOR OF ARTS DEGREE - Business Administration/Economics
THE EVERGREEN STATE COLLEGE
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