Earned a BBA in Finance from Angelo State University (Texas) in 2005. After graduation, I began my banking career as a Commercial Credit Analyst with First Horizon/First Tennessee’s Construction Lending Division in Irving, Texas. In 2008, prior to the Great Recession grabbing hold, my then CRE team manager brought me along to help energize the North Texas Division for Patriot Bank in Dallas, Texas. This community bank out of Houston had a myriad of issues related to CRE loans booked by predecessors, so I earned “battlefield” promotions to Portfolio Manager and Relationship Manager in 2008/2009. The years from 2008-2011 were spent resolving Special Credits and managing Real Estate Owned by Patriot Bank. By the end of 2011, Texas had turned the corner and CRE lending began its ascension in our North Texas Division. After marriage in 2012, my wife was heavily recruited by Amazon in 2013. Similarly, I was able to connect with Mr. Tom Pozarycki, whom I knew from my First Horizon days in 2005-2008. Washington Federal hired me in 2013 as a CRE Relationship Manager (Vice President), and I have held that post since Day 1. In this position, I am expected to achieve high marks for new business development, finding those CRE clients who align with WaFd’s fiscal conservative values. The team consists of credit analysts and loan coordinators, and we work together to underwrite and present new opportunities for loans/deposits/treasury. Further, we manage a portfolio of clients with a range of property types (stabilized and under construction), as well as ongoing credit compliance with reporting and financial covenants.