Virginia Adams
Oakland
Summary
Results-driven Vice President specializing in portfolio analysis and problem-solving within high-risk loan environments. Skilled in implementing effective loan modifications and reporting to executive management, contributing to enhanced operational efficiency and regulatory compliance.
Overview
42
42
years of professional experience
Work History
Vice President Director Special Assets
JP Morgan Chase Bank NA
San Francisco
07.2003 - 01.2025
- Managed bank wide portfolio of troubled, high-risk loans to determine and evacuate appropriate loan modifications
- Presented portfolio results to executive management team, highlighting loan risk classifications and proposed risk solutions.
- Directed risk management processes, ensuring regulatory compliance and safeguarding asset security.
- Diagnosed operational issues and executed solutions to enhance workflow efficiency.
Special Asset Manager
First Republic Bank
San Francisco
09.2008 - 06.2012
- Conducted risk assessments to mitigate potential losses.
- Coordinated with teams to ensure compliance with regulatory requirements.
- Trained junior staff on best practices in asset management.
- Created processes to ensure accurate tracking and reporting of all assets under management.
Senior Credit Underwriter
City National Bank
09.2005 - 09.2008
- Prepared written summaries outlining reasons for approving or denying loan requests
- Analyzed financial statements for accuracy and completeness.
- Collaborated with loan officers to assess borrower eligibility.
senior Relationship Manager
Well Fargo HSBC Trade Bank - International Finance
02.1996 - 09.2005
- Cultivated strong relationships with key clients to enhance service delivery.
- Facilitated cross-border transactions to ensure compliance with international regulations.
- Coordinated with internal teams to streamline client onboarding processes.
- Conducted regular meetings with customers to discuss their needs and provide tailored solutions.
- Analyzed customer data to identify areas of risk and potential opportunities for growth.
Vice President
Silicon Valley Bank
Santa Clara
04.1993 - 03.1996
- Reviewed contracts and agreements for compliance with legal guidelines.
- Maintained compliance frameworks, policies and documentation to support audits.
- Established internal controls and processes to support compliance through project management and engagement of key stakeholders.
- Trained staff on compliance procedures and updated regulatory changes regularly.
Senior Financial Analyst
Bank of America
01.1983 - 01.1993
- Managed assigned loan portfolio to monitor for actual and percieved credit risk and determine acceptable lencing solutions as appropriate.
- Analyzed financial data to support business decisions and strategy formulation.
- Developed financial models to project future revenue and expenses for budgeting.
- Mentored junior analysts on best practices in financial analysis and reporting.
Education
Accounting
Bryant University
Smithfield, RISkills
- Risk management
- Portfolio analysis
- Loan modifications
- Regulatory compliance
- Credit assessment
- Strategic planning
Timeline
Special Asset Manager
First Republic Bank
09.2008 - 06.2012
Senior Credit Underwriter
City National Bank
09.2005 - 09.2008
Vice President Director Special Assets
JP Morgan Chase Bank NA
07.2003 - 01.2025
senior Relationship Manager
Well Fargo HSBC Trade Bank - International Finance
02.1996 - 09.2005
Vice President
Silicon Valley Bank
04.1993 - 03.1996
Senior Financial Analyst
Bank of America
01.1983 - 01.1993
Accounting
Bryant University