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Carmen Chirinos

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Vice President / Commercial Loan Officer

Accomplished Banking professional with a track record of successful achievements in the areas of team leadership, business development, risk management, credit administration, and loan portfolio management. Dedicated professional with high level of integrity, strong work ethic, and team player mentality.

Detailed understanding of Federal & State lending regulations and loan documentation requirements.
Financial statement analysis (including Cash Flow & Sensitivity analysis) expertise.
Excellent communicator.
Strategic Planning experience.
Problem loan management experience.

Key Info

Job Title

Vice President / Commercial Loan Officer
Top 3 Skills

Credit Underwriting (commercial (C&I), commercial real estate, & construction) expertise.
Location

Salem, Oregon
Will relocate?

No

Key Skills + Experience

Professional Experience

Vice President / Commercial Loan Officer

Salem, OR 2019 – present

Responsible for developing & managing a $45MM loan portfolio consisting of commercial (C&I) and commercial real estate loan accounts. Also responsible for cross-selling deposit, cash management, merchant card, and consumer products.

Vice President / Commercial Relationship Manager

Ketchum, ID 2015 – 2019

Responsible for developing & managing a $20MM loan portfolio consisting of commercial (C&I) and commercial real estate loan accounts. Also responsible for cross-selling deposit, cash management, merchant card, and consumer products. Additionally, as of July 2018, became a member of the Bank’s Small Market Commercial Real Estate underwriting group (loan transactions < $3.0MM in size) with responsibilities including pre-flight analysis and formal underwriting of financing requests referred by Bank’s branch network.

Branch President / Commercial Loan Officer

Hamilton, MT 2011 – 2015

Managed $60MM branch location with 9 staff members (retail, commercial, & mortgage departments). In addition, developed and managed $29MM loan portfolio consisting primarily of commercial (C&I) and commercial real estate loan accounts.

Upon assuming the duties of Branch President in 2011, the Branch had exhibited a net loss of $(81M) in 2010 as credit problems had begun to materialize. 2011 & 2012 both exhibited net losses as credit problems were addressed with 2013 representing a return to profitability with net income of $161M. The Branch exhibited net income of $302M in 2014 (118% of plan) with loan portfolio growth of 27%.
Successfully managed Branch location through problem credit issues. Upon arrival in April 2011, the Branch exhibited total classified loans (Substandard & Doubtful) of $4.9MM (25% of loan portfolio). As of 12/31/14, the Branch exhibited total classified loans of $568M (2% of loan portfolio).
Granted loan approval authority of $500,000.

Branch President / Commercial Loan Officer

Bozeman, MT 2007 – 2010

Managed $50MM branch location with 10 staff members (retail, commercial, & mortgage departments). In addition, developed and managed $40MM loan portfolio consisting of commercial (C&I) and commercial real estate loan accounts.

Successfully developed business (both loans & deposits) on behalf of the Bank in the growing resort market. Projects financed included luxury single-family homes as well as residential condo developments (loan amounts ranged from $1.0MM to $6.0MM).
Assisted Bank leadership with the management of problem loans (primarily land & development loans) that were a result of the 2008-2009 economic downturn. Duties included representing the Bank in discussions with Borrowers & legal counsel; assisting with structuring of workout plans; and assisting with management of OREO properties.

Previous Roles & Responsibilities (Prior to 2007)

Vice President/Commercial Loan Officer

Vice President/Senior Credit Officer (managed team of 7; $500,000 lending authority)

Credit Analyst (Commercial, Ag, & Private Banking)

Internal Auditor/Compliance & CRA Officer

Credit Examiner/loan review, Audit Department

Assistant Bank Examiner (FDIC)

Education

B.S. Business with Finance major and Economics minor
Graduate, Commercial Lending and Compliance Schools
Numerous additional courses and classes including several examination schools, a variety of loan review courses as well as audit and compliance formalized training.
Various courses related to leadership training, team building, and sales coaching.

Community Involvement

Board of Directors, County Economic Development Authority
Board of Directors, Chamber of Commerce
Board of Directors, Memorial Hospital Foundation
Board of Directors, Economic Development Action Partnership
Graduate, Leadership Program, Chamber of Commerce
Graduate, Leadership Billings Program, Chamber of Commerce
Secretary-Treasurer, Billings Summer Games, Special Olympics
Member, RMA, and Institute of Banking
Member, Fraternity

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