PROFESSIONAL SUMMARY

2009-03-19T17:29:00.000-07:00

Commercial Credit Executive and strategist with expertise in commercial credit and lending, relationship management and high net worth markets. Integrates an in-depth understanding of specialized credit practices that deliver the highest level of value to private banking/wealth management clients, along with strategic and innovative thinking and excellent communication skills. Proven ability to capitalize on market opportunities to drive revenue, capture market share and optimize shareholder value. Credentials include the underwriting of more than $1billion in approved loans to high net worth individuals and/or their corporations / partnerships, and the design and delivery of a unique technology solution and service that efficiently manages and monitors collateral risks in challenging and shifting markets.

PROFESSIONAL EXPERIENCE

2009-03-18T20:45:00.000-07:00

BANK OF THE WEST, Walnut Creek, CA (2009 - present)
SVP/Division Credit Manager - Wealth Management Group
Responsible for managing the credit processes and loan portfolio for the Private Banking Group, and for supporting Executive Management in all aspects of planning, directing and managing the bank's Private Banking activities. Providing matrix oversight to private bankers responsible for business development, analyzing clients’ financial statements, and underwriting / structuring credit requests.

Led the development and enhancement of specific credit products to bring the firm’s Private Banking offering in line with industry standards.
Designed management reporting processes to ensure appropriate monitoring of loan delinquencies and maturities, compliance with loan terms and covenants, and Private Banking loan portfolio composition.

CONTANGO CAPITAL ADVISORS, Berkeley, CA (2004 to 2008)
(Zions Bancorporation’s Wealth Management Company)
Chief Credit Officer/Senior Vice President
One of the original management team members for the start-up of Contango Capital Advisors, a subsidiary of Zions Bancorporation. Built the Credit and Lending unit for Contango in collaboration with the Chief Credit Officers of Zions Bancorp and those of its eight banking subsidiaries. A private banking specialist with expertise in lending to high net worth (HNW) individuals; developed a credit platform and product that linked the services of private and commercial banking with those of the wealth management business, providing added value to client relationships and shareholders. Reported to CEO of Contango Capital Advisors.

Conducted market research with executive management of Zions Bancorp and its subsidiary banks; authored and steered credit policy through committee approval process; coordinated the design and development of all legal documentation and marketing materials; conducted product-specific training for bankers and wealth managers; partnered, at each Zions subsidiary, with representatives of legal, compliance, credit administration, loan operations and marketing on the roll-out of the corporate-wide wealth management credit platform.
Designed, developed and implemented the Investment Line of Credit (ILOC) product for scalable deployment and superior risk management; managed credit originations / extensions from inception to greater than $60 million in 18 months time; contributed $1 million in annualized revenue to Zions Bancorporation.
Led IT project team through the design and development of an automated collateral risk monitoring system for loans secured by marketable securities; integrated custodial and loan accounting systems for daily margin reporting and risk-alerting capabilities; monitored collateral portfolio in excess of $90 million; identified credit risk situations and provided guidance to line-of-business managers and bank management; received “outstanding” audit reviews each year since ILOC product inception.
Authored special corporate-wide credit policy for loans secured by auction rate securities; saved corporation from capital losses in excess of $25 million.
Performed credit management duties including credit approval, collateral analysis and risk management, regulatory and compliance adherence, organizational planning and budgeting, credit product and policy development, and oversight of credit processes and procedures; led comprehensive credit training course for private bankers and wealth advisors that included an in-depth review of credit analysis, loan structuring and problem credit resolution for the HNW sector.
Prepared and presented detailed operational reports to the executive management team of Zions Bancorp; created and delivered complex presentations, throughout the western United States, to various banker groups within the Zions subsidiary banks; called upon to present to hundreds of loan officers at their annual All Officers Meetings.
Acted as single point of contact for Zions Bancorp regarding the provision of unique credit solutions to high net worth individuals and commercial entities; partnered with bankers and wealth advisors on business development calls to discuss complex or creative credit solutions with top-tier clients.
Directed a staff and conducted annual performance reviews; responsible for performing various human resource duties; interviewed all prospective wealth managers for Contango; held a position on hiring committee.
Selected as a key member of the new product review team; performed risk management analysis on proposed new product offerings to ensure federal and corporate compliance; conducted due diligence on wealth management firms identified as acquisition targets for Contango.

CHECKFREE INVESTMENT SERVICES, Jersey City, NJ (2002 to 2004)
Senior Relationship Manager
Developed consultative relationships with high-profile investment management firms (Tier I SMA/Wrap) that used CheckFree APL, an ASP portfolio accounting system. Introduced a new client service delivery platform that helped clients expand their product base and increase AUM and revenues. Client firms included Goldman Sachs Asset Management, Lazard Asset Management, Smith Barney, Neuberger Berman, ING and Bank of New York.

Managed annual client revenue base in excess of $5.5 million; grew revenue base of client portfolio by more than 22% over 18 months.
Followed market trends / developments and organized and participated in formal call programs to assist client firms in identifying product and revenue growth opportunities.
Provided advice and solutions that aided in strategic product development and market entry for clients.
Collaborated with CheckFree senior management, business analysts and programmers to ensure continuity of high-quality service, product delivery and responsiveness to client needs; managed and measured project quality and outcomes by meeting with business analysts and programmers. Analyzed business metrics and made recommendations to various team members.
Selected as a key member to participate on the Customer Relationship Management (CRM) system development committee. Co-directed development of a new enterprise-wide CRM system.

J.P. MORGAN CHASE & CO., New York, NY (1999 to 2002)
Vice President/e-Credit Development Expert
CapitalFlex: e–Business Enterprise (2000-2002)
Co-conceptualized an innovative ASP-based credit origination and loan servicing system utilizing state-of-the-art web and credit systems technologies. Submitted a proposal to Chase Venture Partners and received sponsorship, funding and admittance to its internal VC incubator group. Served as the executive team’s Chief Financial Officer and Credit Subject Matter Expert.

Managed $2 million budget and day-to-day operations of high-profile new e-business venture, CapitalFlex, within internal VC incubator group.
Conceptualized a new fee-based, private-label service opportunity for the firm; received letters of intent from more than six money center financial institutions.
Provided credit, underwriting, structuring and approval expertise; start-up cost analysis; financial modeling, forecasting and budgeting; strategic profitability analysis; capitalization structure and planning; merger, acquisition and partner identification; and deal/contract negotiation. Prepared offering memorandum.
Interfaced with top-tier consulting firms and internal VC advisors on setting and controlling project scope.
Led analyst team that created a complex business/financial model that identified $6-20 million in potential annualized operating savings for the firm; received clean review of financial model by PricewaterhouseCoopers.
Developed and prepared complex business plan for industry standardization for the underwriting of loans secured by marketable securities that included the creation of a secondary loan market.
Liaised with internal support teams – i.e., legal, compliance, risk – to ensure conformity with industry standards.
Prepared and delivered presentations and communicated status and vision to Chase Venture Partners and executive management.

Vice President/Senior Credit Officer
Private Banking: Ultra High Net Worth Team (1999-2000)
Directed development of credit risk management solutions, ensuring all credit requests were analyzed, executed, monitored and reported in accordance with customer needs and corporate policies. Managed analysis, due diligence, proposal preparation / presentation, approval, negotiations, booking and reviewing / monitoring of commercial credit facilities ranging from $50 million to $500+ million.

Structured and executed $50+ million credit products and facilities, including secured and unsecured personal lines of credit and term loans, residential and commercial real estate mortgages, letters of credit and credit derivatives; co-managed loan portfolio in excess of $1 billion.
Originated and booked $269 million in new credit facilities in 1999; generated a weighted ROE in excess of 38%.
Underwrote $525 million approved credit facility for the acquisition of an NFL franchise located in a major East Coast market; underwrote $105 million refinancing of a class-A commercial real estate property in New York City.
Partnered with private banking / bank management, credit executives, relationship managers, credit analysts and other banking product experts on the development and delivery of customized solutions to meet high-profile client needs and maximize firm profitability.
Collaborated with internal business units on the delivery of cross-functional financial solutions to high net worth individuals and businesses within specialized industries – i.e., media, telecommunications, commercial and residential real estate development, and professional sports teams.
Led financial due diligence team hired by the NFL to review the prospective ownership group for an expansion team franchise; prepared findings presentation for NFL executive management.

WORLD JUPITER, LLC (DBA JUPITER BEER), Berkeley, CA (1996 to 1998)
Co-Founder & Chief Financial Officer
Launched successful start-up of innovative microbrewing concept. (Sold interest to partner in 1998.)

Conducted industry, market, site and demographic analyses.
Formulated strategic business and financial models.
Prepared and presented detailed business plan and offering memorandum to prospective individual and venture capital investors.
Led negotiations with investors and merger/acquisition target.
Completed successful strategic partnership of two operating craft brewing entities; combined annual sales of $3+ million.

J.P. MORGAN CHASE & CO. (1989 to 1996)
Vice President-Credit Officer, National Private Banking, NYC (1994 -1996)
Assistant Vice President-Credit Officer, National Private Banking, NYC (1992-1994)
Assistant Secretary, National Private Banking, LA & NYC (1990-1992)
Account Representative, National Private Banking, LA (1989-1990)

Conducted in-depth credit analysis, due diligence, proposal preparation/presentation, documentation preparation and negotiations for complex and diverse high net worth and commercial credit customers.

Identified and developed, using SPIN marketing technique, new opportunities to deliver advice and needs-based solutions to existing and prospective clients.
Conducted consultative cross-selling of personal and investment banking financial products to maximize the firm’s wallet share with targeted high-profile clients.
Managed loan restructuring program that stabilized and/or collected $7+ million in problem loans.
Developed software utility for collection of clients' financial statement / information.
Participated in designing customized relationship management database.

ADDITIONAL WORK EXPERIENCE

2009-03-15T14:35:00.000-07:00

AMPLICON FINANCIAL, INC., Santa Ana,CA (1988 to 1989)
Account Representative, Computer Systems Financing

BANK OF CALIFORNIA, San Francisco, CA (1986 to 1988)
Credit Analyst, Corporate Banking Group

EDUCATION

2009-03-15T14:32:00.000-07:00

UNIVERSITY OF CALIFORNIA, Berkeley, CA (1981 to 1985)
Bachelor of Arts -- Political Science, Emphasis: International Relations and U.S. Foreign Policy

ADDITIONAL INFORMATION

2009-03-15T14:30:00.000-07:00

Professional Development
Through JP Morgan Chase: Corporate Credit Training Program; Advanced Credit Skills Seminar; Influence and Negotiation; Enhancing Client Relationships Through SPIN Selling; Legal Issues in Private Banking; Real Estate Lending Principles; through David Jeffrey Associates: Banking on Wealth; Additional Continuing Education in Sports, Entertainment & Special Events Marketing I & II, and web business design and development.

Volunteer & Community Activities: Friends of Cal Aquatics – Board Member, StreetWise Partners - NYC, Leukemia Society of America Team-in-Training, Sierra Club

Honors in Competitive Swimming: United States Swimming National Champion; United States Swimming finalist/consolation finalist for three years; Pac-10 Conference finalist/consolation finalist for four years; UC Berkeley varsity team captain (1983–1985)

Tim Hoskins

PROFESSIONAL SUMMARY

PROFESSIONAL EXPERIENCE

ADDITIONAL WORK EXPERIENCE

EDUCATION

ADDITIONAL INFORMATION