Examiners

Janice Muncer serves as the company’s Chief Operating Officer and Audit Manager. She has over 30 years of commercial banking experience with regional community banks in Northern California. Her knowledge ranges from Note Department documentation and loan servicing to Credit Administration and underwriting for all areas of commercial lending. In addition, Janice has experience with identifying credits for revised risk grading based on a variety of metrics, completing problem loan reports with accurate action plans and insuring that annual real estate reviews properly identified risk in the real estate portfolio. Additionally, Janice has overseen implementation and ongoing management of a variety of loan portfolio imaging systems both for existing portfolios as well as start-up. This diverse background has contributed to proficiency in the areas of documentation, compliance, loan participations, credit analysis, cash flow, asset-based financing, policies and procedures and portfolio management. Janice has a certificate from RMA Lending Academy and a Bachelor’s degree graduating Cum Laude from Seattle Pacific University.

Alexis Tomsen has over 20 years of commercial bank experience primarily focused on community banks in the Bay Area. She has extensive knowledge in credit risk assessments, lending guidelines, compliance, underwriting, entity structuring, loan documentation and collateral perfection, including title insurance and endorsement requirements. Alexis has a Bachelor of Science in Business degree with a major in accounting, graduating Summa Cum Laude from Capella University. She also holds certifications from American Bankers Association Compliance School and California Bankers Association Commercial Lending School. Alexis performs the Sarbanes-Oxley audits and other specialized audits for the firm. Additionally, she participates in pre-audit preparation, including preparing Pull Lists and initializing IT set-up.

Irene has spent 20 years dedicated to Commercial Lending with a major national bank for diverse industries and markets throughout Northern California, Southern California, and Oregon. Irene began her banking career originating commercial loans in Los Angeles, and quickly moved to leadership roles managing other lenders and ultimately, multiple lending teams in Oregon and Northern California. Her experience includes managing large, complex loan portfolios composed of commercial and investor real estate, C&I, ABL, SBA (7(a) and 504 loans), construction, equipment, and problem loans. Irene received an Honors Bachelor’s Degree from Canada’s York University and graduated from Pacific Coast Banking School where she earned a special citation.

After completing his MBA at Pepperdine, Jerry assumed the position of Senior Loan Officer at Goleta National Bank doing credit underwriting and various administrative tasks. Later he successfully negotiated and settled sizable and complex work-out credits during his four years at Ventura County National Bank. At Glendale Federal, Jerry managed on-site, state-wide loan reviews of separate units including real estate investment, agribusiness, commercial lending, asset based credit facilities, and SBA lending. At People’s Bank, LA, he managed the department responsible for servicing, documentation, quality control, collections and special projects. Jerry had several years experience as an executive consultant and acting senior credit officer for independent banks and also holds an LLB degree.

Jim Fehring has over 22 years of banking experience at national, regional, and community banks in California. His lending experience includes all levels of commercial underwriting, documentation, business development, relationship management, risk management, and workout. Specific areas of expertise include Commercial Real Estate lending (development, construction, and permanent including SBA 504), C&I and Asset-based lending, Vineyard lending (development and farming lines), and Winery lending (lines and loans). He has represented his portfolios to Bank Boards for ongoing risk reporting and management. Jim earned his Bachelor of Arts degree in English from Stanford University, with additional study there in accounting and economics, and he has completed many banking industry ongoing education courses.

John Rockwell has over forty years of commercial bank experience for both National, Regional and Community banks. Primary emphasis on credit and risk management. Most recently, John served as Chief Credit Officer and Sr. Credit Administrator for two successful independent community banks in the SF Bay Area prior to their sale/merger. Specific areas of expertise include Commercial, C&I and Asset Based lending, Real Estate lending (development, construction and permanent finance), SBA 7a and 504 lending as well as Special Assets/Problem loan resolution.

Lori Baxter has over 28 years of commercial lending experience with several regional community Banks in Northern California. Most of her career has been centered around underwriting, analyzing and approving commercial credits of a large variety, including C&I, Commercial Real Estate, Asset-Based lending, commercial construction lending, and SBA 7a and 504 lending. The last 15 years of Lori’s career were in management and credit administration, acting as a Commercial Banking Department Manager and SVP/Regional Credit Administrator for a Regional Community Bank. Lori is a graduate of Oregon Bankers Association/Western Banking School.

Mary Hansen has over 35 years commercial lending experience at a number of major, regional and community banks in Northern California. She started her commercial lending career in the loan documentation department quickly advancing to a commercial lending position. The majority of her career has been focused on commercial loan origination as both a lender and team leader. Areas of expertise include C & I lending, asset based lending, land development, commercial real estate acquisition and construction financing, and SBA loans. Mary has a Bachelor of Science in Business with a major in Accounting from University of Phoenix.

Maureen O’Connor has over 20 years of commercial banking experience with several regional and community banks in Northern California. The majority of her career has been in commercial and corporate lending as a lender and team leader. She is experienced in C&I lending, commercial real estate and SBA loan programs as well as problem loan identification and restructure. She built industry expertise and specialty knowledge in lending to contractors and asset based credit facilities including accounts receivable and inventory, corporate finance, auto leases, and mortgage broker lines of credit. She has a Bachelor of Science in Commerce degree with a major in finance from Santa Clara University.

Patrick has extensive community banking experience specializing in C&I loans, SBA loans, and commercial real estate and development loans. He has been in banking and lending for over 35 years and was an SVP/Acting Senior Lender with a small community bank in Northern California and served as a VP/Commercial Real Estate Lender as well as an AVP/Branch Manager overseeing SBA 7(a) and 504 lending. He also worked as a Supervisory Loan Officer with the SBA Disaster Assistance Division. He has experience in debt-restructuring and loan work-outs and holds a B.S. in Business Administration with a concentration in Accounting from San Jose State University and a California Community College Teaching Credential in Accounting, Banking, and Finance. He has served on various boards of non-profits. Patrick is a Certified Management Accountant and is a member of the Institute of Certified Management Accountants. He also obtained an Accreditation in Business Valuation. In addition to providing SBA and commercial loan review and due diligence for banks and financial institutions, Patrick provides accounting and financial consulting services and has been the Controller/CFO for a number of small family-owned businesses and a large non-profit health care organization.

Steven has over 32 years of commercial banking experience with several regional and community banks in Central California. He has been a commercial underwriter, loan portfolio manager, commercial loan officer/relationship manager, credit administrator, special assets officer, construction loan manager, underwriting trainer, regional manager, regional president, loan administrator, and agricultural appraiser. Areas of expertise cover all areas of commercial lending including Agriculture, C&I loans and lines, Asset Based Lending, Construction, Real Estate, and Problem Loan workouts. He has a bachelor’s degree in Plant Science with emphasis in Plant Protection and Pest Management from UC Davis, a bachelor’s degree in Accounting from Golden Gate University, MBA in Finance from Golden Gate University and is a graduate of the Pacific Coast Banking School.

Stu Bennett has 30+ years of experience with large regional banks as well as community banks, in both Nevada and California. His roles have included commercial lender, team leader and Market President. His experience spans from sourcing commercial loans, managing lenders, and navigating the problem loan environment that evolved during the economic recession beginning in 2008. He has managed large portfolios that included commercial real estate, C&I, SBA and asset-based loans. Stu holds a bachelor’s degree in Finance from California State University, Chico as well as an MBA from the University of Nevada.

Susan Drack has over 47 years of banking experience at major, regional and community banks in the Western US. Most recently she oversaw commercial real estate lending for a major bank in SoCal/NV. Her lending expertise includes commercial, SBA, consumer, dealer and CRE lending (development, construction and permanent), having been in both production and workout. Susan has a Bachelor of Science in Business with a concentration in Finance from California State University, Sacramento, an MBA in Finance/Real Estate from Golden Gate University and is a 2017 graduate of Pacific Coast Banking School. Susan acts as Lead Examiner in Charge, running various exams, conducting Stress Test and CRE Concentration reviews as well as supervising various special projects.