TIFFANY KIM
Walnut
Summary
Dynamic Senior Vice President with a proven track record at ICON Business Bank, excelling in business development and client relationship management. Expert in commercial lending and financial analysis, generating over $16MM in loans. Passionate about structuring credit solutions and leading teams to achieve exceptional results while fostering strong client partnerships.
Overview
19
19
years of professional experience
Work History
Senior Vice President/Senior Relationship Manager
ICON Business Bank
Santa Ana
09.2023 - 03.2025
- Developed profitable business relationships by proactively selling diverse banking products and providing tailored financial advice.
- Leveraged business profiling tools to pinpoint cross-sell opportunities, exceeding challenging sales targets.
- Structured and secured both complex and non-complex credit facilities through detailed financial analysis.
- Generated over $16MM in loans and acquired upwards of $10MM in commercial deposits for the organization.
Vice President / Senior Commercial Relationship Manager
Mechanics Bank
Beverly Hills
08.2022 - 09.2023
- Successfully acquired, developed, and maintained profitable business relationships by proactively selling a full range of business banking services and products as well as providing financial advice to deepen and strengthen the business relationships.
- Effectively utilized customized business profiling tools to accurately identify direct cross sell opportunities and maximize challenging sales goals.
- Demonstrated commercial credit acumen by appropriately structuring and securing complex and non-complex credit facilities through thorough and precise analysis of financials to mitigate all risks associated with the credit request.
- 2023 YTD loan production in new C&I and owner-occupied CRE - $16.4MM
Vice President / Senior Commercial Relationship Manager
Opus Bank / Pacific Premier Bank
Los Angeles
09.2019 - 08.2022
- Strategically acquired clients to identify and deepen relationships, to uncover and anticipate the needs of businesses.
- Appropriately assess risk when business decisions are made, and be able to structure more complex deals.
- Over $52 million was generated in new commercial and industrial (C&I), and owner-occupied commercial real estate (CRE) loan production volume during the tenure at the bank.
- Drove revenue by cultivating successful client relations.
Vice President / Team Lead
Wells Fargo Bank
Los Angeles
11.2017 - 09.2019
- Successfully manages three relationship managers in the Los Angeles Region to achieve over $106MM in loan production in 2018 while navigating the team through BSA/AML remediation and consent order tasks.
- Actively coached, developed, and trained the relationship team as new hires to the bank and group to ensure effectiveness and productivity to the growth of the portfolio.
- Effectively managed the credit administration responsibilities of the team to ensure minimal past dues and delinquencies in the loan portfolio.
- Demonstrated strong ability to effectively communicate and work together with Senior Credit Officers, Senior Management, and the management team of all the internal partners to ensure full banker engagement and effectiveness which ultimately resulted in customer satisfaction and growth and profitability of the portfolio.
Principal Relationship Manager Real Estate
Wells Fargo Bank
Los Angeles
10.2012 - 11.2017
- Successfully acquired, developed, and maintained profitable business relationships with professional commercial real estate investors by proactively offering a full range of business banking services and products as well as providing financial advice in an effort to deepen and strengthen relationships.
- Effectively grew the inherited loan portfolio from $20MM to $500MM in five years by formulating internal and external referral partnerships in the market.
- Demonstrated commercial credit acumen by appropriately structuring and securing complex and non-complex credit facilities through thorough and precise analysis of financials to mitigate all risks associated with the credit request.
- Multiple year nominations and attendance at Golden Spoke and Pinnacle events for top performance
Commercial Loan Underwriter
Wells Fargo Bank
Los Angeles
04.2008 - 10.2012
- Responsible for analyzing financial statements of large complex companies for the purposes of structuring new debt as well as conducted research related to industry studies and management report.
- Analyzed financial performance of borrowers and compared them to industry standards, competitors, pro-forma financial projections, and past performances.
- Prepared Problem Asset Reports, Interim and Full Credit Reports, and Portfolio Review Reports. Prepared group for audits.
- Monitored collateral values, insurance coverage of borrowers, conducted market research and reviewed appraisals.
Assistant Vice President / Loan Officer and Underwriter
Innovative Bank
Los Angeles and Oakland
11.2005 - 03.2008
- Underwrote commercial loans credit ranging from $100,000 to $3,500,000
- Underwrote SBA 7(a) business, real estate, and working capital loans and lines of credit ranging from $200,000 to $2,000,000
- Performed financial analysis, risk assessment and structuring of credit facilities with the team
- Reviewed legal entity documentation, title reports/insurance, appraisals, construction documentation and UCC Filing documentation
Education
B.A. - Political Science and International Studies, Business Management
University of California, Irvine
06.2005
British History, Culture, Art, Human Geography, European Union
University College of London
01.2005
Skills
- Business development and sales strategy
- Financial analysis and risk assessment
- Commercial lending expertise
- Client relationship management
- Credit structuring
- Portfolio management
- Team leadership
- Business consulting
Languages
Korean
Professional
Timeline
Senior Vice President/Senior Relationship Manager
ICON Business Bank
09.2023 - 03.2025
Vice President / Senior Commercial Relationship Manager
Mechanics Bank
08.2022 - 09.2023
Vice President / Senior Commercial Relationship Manager
Opus Bank / Pacific Premier Bank
09.2019 - 08.2022
Vice President / Team Lead
Wells Fargo Bank
11.2017 - 09.2019
Principal Relationship Manager Real Estate
Wells Fargo Bank
10.2012 - 11.2017
Commercial Loan Underwriter
Wells Fargo Bank
04.2008 - 10.2012
Assistant Vice President / Loan Officer and Underwriter
Innovative Bank
11.2005 - 03.2008
B.A. - Political Science and International Studies, Business Management
University of California, Irvine
British History, Culture, Art, Human Geography, European Union
University College of London
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