Vibra Bank
VIBRA Bank opened for business July 23, 2008 in Chula Vista, California. It is the only bank targeting the Latino community in San Diego County. After a year of operations VIBRA Bank reports total assets of $36.9 million which includes net loans of $22 million. Vibra Bank was acquired by Pacific Commerce Bank in 2015. Founded: 2008
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Vibra Bank Employees
Torrey Pines Bank December 2013 - Present
Vibra Bank July 2011 - December 2013
First Citizens Bank / Temecula Valley Bank May 2009 - June 2011
First Republic Bank April 2007 - April 2009
Temecula Valley Bank August 2006 - April 2007
Jon Allan Group / Midtown Realty Group September 2002 - August 2006
California Bank & Trust May 2000 - September 2002
Wells Fargo Bank November 1999 - May 2000
Union Bank of California January 1998 - November 1999
Wells Resource Mortgage Services March 1996 - November 1997
Skills
Credit Risk, Mortgage Lending, Real Estate, Construction Loans, Portfolio Management, Commercial Lending, Banking, Financial Analysis, Finance, Credit, Loans, Credit Analysis, Commercial Banking, Small Business, Human Resources, Underwriting, Analysis, Auditing, Policy, Employee Benefits
Education
California State Polytechnic University-Pomona 1990 — 1993
Bachelor of Science, Finance, Real Estate, Law
Southwestern Community College 1989 — 1990
Associate Degree, General Studies
Umpqua Bank July 2015 - Present
AMSEC LLC, A Subsidiary of Huntington Ingalls Industries August 2014 - July 2015
Military Sealift Command August 2011 - June 2015
Neighborhood National Bank April 2010 - August 2011
Vibra Bank January 2010 - April 2010
US Bank August 2009 - January 2010
Temecula Valley Bank March 2005 - August 2009
Skills
Loans, Portfolio Management, Credit Risk, Analysis, Risk Management, Financial Analysis, Credit, Credit Analysis, Commercial Banking, Customer Service, Banking, Underwriting, Microsoft Office, Business Development, Commercial Lending, Finance, Leadership, Loan Origination, Management
Education
National University 2010 — 2011
Masters, Masters in Arts Management
National University 2008 — 2010
Business Administration, concentration in Finance
San Diego Community College District -Miramar College 2006 — 2008
A.A., Business Administration
Vibra Bank June 2008 - Present
Skills
Banking, Account Reconciliation, Credit
Education
Universidad de Sonora 1984 — 1988
Associate's degree, Civil Engineering, 7th semestre
BofI Federal Bank June 2014 - Present
Self-employed private tutor December 2009 - Present
Vibra Bank November 2012 - May 2014
Humphrey's Half Moon Inn & Suites August 2005 - October 2013
Regents Bank December 2010 - November 2012
Berlitz Corporation October 2010 - April 2011
Bainbridge Capital August 2010 - November 2010
Sport Lisboa e Benfica April 2009 - June 2009
Skills
Portuguese, Vocalist, Dance, Communication, Sense Of Urgency, Microsoft Office, Organization, Marketing
Education
Universidade do Minho 2008 — 2009
Study Abroad, Business, Management, Marketing, and Related Support Services
San Diego State University-California State University 2006 — 2009
Bachelor of Arts (B.A.), International Business
San Diego Private Bank March 2010 - Present
Vibra Bank 2010 - 2012
Bofa Partners 2009 - 2009
Discovery Bank February 2003 - November 2006
Citi January 1999 - January 2003
KPMG International January 1996 - January 1999
KPMG, International January 1993 - January 1996
Education
Boston University
Master Degree, Banking and Financial Services Management
Lebanese American University
Umpqua Bank April 2015 - Present
Pacific Enterprise Bank October 2013 - May 2015
Vibra Bank October 2012 - April 2013
Clifford Shank and Associates September 2011 - October 2012
Nevada Commerce Bank February 2010 - July 2011
Silver State Bank March 2008 - June 2009
Desert Glen, Inc. July 2005 - November 2006
Borrego Springs Bank May 2004 - July 2005
Greater Bay Bank October 2001 - December 2004
Heller Financial 1997 - 2000
Skills
SBA, Commercial Lending, Small Business Lending, Loans, Commercial Banking, Portfolio Management, Underwriting, Financial Structuring, SBA 504, Banking, Finance, Commercial Mortgages, Cash Management, Financial Analysis, Mortgage Lending, Loan Origination, Funding, USDA, Credit Risk, Loan Servicing, Commercial Real Estate, Credit, Lines Of Credit, Construction Loans, Asset Based Lending, Credit Analysis, Treasury Management, Financial Risk
Education
National University
Palomar College
AA, General Ed/Psychology
San Diego State University-California State University
Psychology/Ed/Busines
The Loan Company of San Diego LP May 2015 - Present
Vibra Bank November 2010 - May 2015
Borrego Springs Bank, N.A. April 2009 - November 2010
Neighborhood National Bank August 1998 - October 2008
FPA Medical Management January 1997 - August 1998
Kaiser Permanente February 1996 - January 1997
Deloitte & Touche June 1989 - April 1992
Skills
Accounting & Finance, Budgeting & Forecasting, Asset/Liability..., Audit, Compliance & Regulatory..., Information Technology, Banking, Risk Management, Financial Risk, Cash Management, Financial Analysis, Finance, Financial Institutions, Interest Rate Risk..., Treasury Management, Treasury, Internal Controls, Financial Reporting, Cash Flow, Auditing
Education
University of Colorado Boulder 2004 — 2006
MS, Graduate School of Banking
San Diego State University-California State University 1989 — 1994
Bachelor of Business Administration (BBA), International Business
Southwest High School 1985 — 1989
Pacific Mercantile Bank August 2014 - Present
Vibra Bank July 2007 - February 2014
Pacific Western Bank April 2005 - July 2007
Rancho Bernardo Community Bank June 2000 - April 2005
Skills
Small Business Lending, Commercial Lending, Credit Analysis, Banking, Commercial Banking, Commercial Mortgages, Financial Analysis, Loans, SBA, Credit, Construction Loans, Financial Institutions, Underwriting, Portfolio Management, Executive Management, Mortgage Lending, Financial Risk, Investments, Wealth Management, Loan Origination, Lines Of Credit, Credit Risk, Structured Finance, Funding, Real Estate Financing, Financial Structuring, Commercial Finance, Branch Banking, Asset Management, Investment Banking, Due Diligence, Bank Secrecy Act, Risk Management, Mortgage Banking, Capital Markets, Real Estate Economics, Private Banking, Cash Management, Finance, Management, Strategic Leadership, Leadership, Corporate Communications
Education
San Diego State University-California State University 1988 — 1992
MBA, Finance
Pacific Coast Banking School 2001 — 2003
Certificate, Banking
Vibra Bank Business SpeWells Fargo Bank2005 - 2007
Education
University of California, Davis 2001 — 2005
BS, BA, Bis Econ
Regents Bank February 2014 - Present
Vibra Bank May 2013 - February 2014
AmericanWest Bank August 2011 - April 2013
Sunrise Bank January 2010 - July 2011
Bank of Escondido September 2005 - January 2010
First National Bank July 1997 - June 2005
Bank of America 1987 - 1994
Skills
Commercial Banking, Credit Analysis, Loans, Credit, Banking, Credit Risk, Commercial Lending, Portfolio Management, Financial Statement..., Lines Of Credit, Finance, Enterprise Risk..., Retail Banking, Commercial Mortgages, Underwriting, Financial Risk, Asset Based Lending, Cash Management, Risk Management, Consumer Lending, Financial Analysis, Relationship Management, Private Banking, Branch Management, Executive Management, Due Diligence, Loan Origination, Financial Modeling, Small Business Lending, Real Estate, Financial Structuring, Construction Loans, Refinance, Mortgage Underwriting, Bank Secrecy Act
Education
Pacific Coast Banking School 2007 — 2009
Banking, Leadership & Financial Management
San Diego State University-California State University 1979 — 1984
Bachelor's of Science, Business Administration
Vibra Bank August 2014 - April 2015
Western Financial Corporation February 1976 - 2010
Western Financial Corporation February 1976 - 2010
Skills
Mergers & Acquisitions, Portfolio Management, Investments, Banking, Private Equity, Venture Capital, Business Strategy, Start-ups, Investment Banking, Strategy
Education
San Diego State University-California State University 1956 — 1961
Bachelor of Science, Business Management
U.S. Bank 2012 - Present
Vibra Bank 2011 - 2012
Santa Barbara Bank & Trust f.k.a Pacific Capital Bank 2010 - 2011
First Citizens Bank and Trust 2009 - 2010
U.S. Bank - SBA Division 2007 - 2009
Homecomings Financial LLC 2004 - 2007
Skills
Banking, Commercial Lending, Credit, Loan Origination, Loan Servicing, Loans, Loss Mitigation, Portfolio Management, SBA, Small Business Lending, Loan Modifications, Finance, Mortgage Lending
Education
Anthony Schools of Real Estate
R.E. Salesperson Conditional License, CA Real Estate Principles
San Diego State University-California State University
Bachelor, Economics
Vibra Bank May 2014 - Present
The Bank of Santa Barbara January 2013 - March 2014
Better Business Bureau 2002 - December 2012
Security Business Bank of San Diego February 2002 - July 2012
Peninsula Bank September 1997 - January 2002
San Diego National Bank 1981 - 1997
Skills
Loans, Small Business Lending, Banking, Commercial Lending, Credit, Commercial Mortgages, Credit Analysis, Commercial Banking, Underwriting, Loan Origination, Real Estate Economics, SBA, Portfolio Management, Financial Analysis, Real Estate Financing, Construction Loans, Risk Management, Lines Of Credit, Financial Reporting
Education
San Diego Evening College
AA, Psychology
San Diego State University-California State University
Bachelor of Arts (BA), Industrial and Organizational Psychology
University of Iowa
Wells Fargo bank May 2013 - Present
Vibra Bank July 2012 - March 2013
U.S. Bank 2012 - 2012
Skills
Loans, Small Business Lending, Credit, Commercial Lending, Commercial Banking, Lines Of Credit, SBA, Asset Based Lending, Commercial Mortgages, Portfolio Management, Construction Loans, Risk Management, Loan Origination, SBA 504, GAAP, Credit Analysis, Consumer Lending, Branch Banking, Mortgage Lending, Home Equity Loans
Education
Ashford University 2011 — 2012