Mark Mashouri

Provide business consulting and facilitate commercial banking relationship for my long existing and ever-expanding business network.

Developed and expanded the bank’s market share for various commercial loans, including SBA, accounts receivable and inventory financing, equipment acquisition, acquisition and refinancing of commercial real estate within Southern California business communities. Meet with potential clients to discuss their financing needs and collect the necessary documents. Analyze the loan packages to determine their financial viability, historical cash flow, and prepare the initial loan worksheet for preliminary credit decision

Managed the business development to expand the bank’s market share for various commercial & SBA loans throughout Southern California. Reviewed the loan applications with the relationship managers to determine their credit viability. Maintained close relations with our underwriting team to discuss new credits. Arranged field visits to meet with clients to discuss their overall banking requirements. Attended weekly managerial meetings to review our established procedures for marketing and loan processing.

Established California Business Services Group to facilitate commercial loans for existing and future clients in greater Southern California areas. Met with clients and discuss their financial needs and maintain close relationship with lenders while processing clients loan applications. Funded over $253,000,000 commercial real estate, equipment financing, business lines of credit, and business acquisition with commercial lenders.

Managed and expanded the commercial lending division for the bank and increased the market share by expanding the lending activities into Orange, Los Angeles, Riverside, and San Bernardino counties. Efficiently underwrote and funded complicated loans with minimum staff. Maintained client relationship by attending various trade seminars throughout our service areas. Portfolio performance was continually over 99% current through September 2009. Effectively developed training programs for the staff, and always operated within the budget.

Re-organized the existing commercial lending division and streamlined our lending process. Increased loan volume by 38% while reducing overhead by 22%. Expanded bank’s market share throughout Southern California. Worked with senior management to establish and maintain a feasible budget. Effectively developed training programs for the staff, and always operated within the budget.

As a member of executive team establishing Temecula Valley Bank, participated in developing of a business plan to support the opening of the bank specializing in the small to mid-size business market with an emphasis on small business lending. Recruited qualified team members for commercial lending division. Procured PLP status from SBA after only four months of operation. Funded over $17,000,000 in SBA 7a loans within the first few months of the bank operation and helped the bank to record a monthly profit by selling the guaranteed portions to the secondary market. Although, the initial budget filed with regulators reflected monthly operating loss for the bank for the first eighteen months, we continued to record monthly profit thereafter.