1. RESUME
Barbara Doughty
 Commercial lending background (revolving and non-revolving lines of credit, term loans,
letters of credit, commercial real estate loans, agricultural lending).
 Very experienced with the U. S. Small Business Administration guidelines pertaining to
servicing 504, 7 (a), and Express credits – entailing but not limited to periodic review
requirements, collections, deferments, service actions (e.g. assumptions,
borrower/guarantor/collateral exchanges and releases, entity changes, subordinations),
and other modifications/actions.
 Strong financial statement analysis background; recognition of emerging or changing
risk and the need to adjust internal risk rating grades which affect loan loss reserves.
 Commercial loan documentation and collateral perfection expertise.
 Deft at dealing with difficult borrowers, guarantors and/or situations Excellent verbal,
written and presentation skills, including training sessions and impromptu speeches;
highly organized; strong project management aptitude. Skillful in conceptualizing,
preparing and conducting a variety of oral presentations in a professional manner
tailored to the needs of a diverse audience.
 Creative, patient, well-organized.
 Computer literacy (Micro Soft Office, Outlook, Internet, various loan accounting
systems).
 A veteran of internal and external loan examinations and audits.
Work Experience:
Current: California Bank & Trust, Loan Portfolio Supervisor
November 2012 – present
Supervise Loan Portfolio Analysts, evaluate, recommend or approve service action requests and
forbearance requests; and analyze default situations.
Also, analyze financial statements, identify emerging risk within the loan portfolio; identify
credits to be transferred to Special Assets. Prepare/review quarterly reports for senior
management review for problematic credits. Credit authority: $2,000,000 ($2.0m).
Previous responsibilities included working with delinquent loan borrowers and preparation,
submission and monitoring SBA 7(a) and Express repurchase packages for Nevada State Bank
and Vectra Bank (Colorado) Special Asset Officers and the SBA.

2. Prior:
. Bank of the West Credit Services Manager, December 2002 – July 2012
Responsible for direct handling of service actions for a $4,000,000,000 SBA 7(a),Express,
and 504 loan portfolio under the guidelines of the U. S. Small Business Administration, business
reviews, financial analysis and the supervision and training of 5 Servicing Officers, the Division
collector, and support staff. Coordinate activities with business partners, including but not
limited to CDCs throughout the United States. Review borrower and guarantor financials to
determine financial soundness, adjust internal risk ratings as necessary after said evaluations.
Participated in lender marketing programs; identified existing borrower’s business needs and
referred same to other departments and divisions.
. River City Bank Note and Documentation Dept. Manager, January 2002 – November 2002
Managed the staff responsible for creation of business loan, commercial and residential real
estate loan, and consumer loan documentation as well as loan boarding, funding, and audit.
. GoldenOne Credit Union Compliance Officer, July 2001 – December 2001
. First Union Small Business Capital, Department Manager - SBA Loan Servicing Dept.
May 1997 – June 2001.
Responsible for direct handling of service actions for SBA 7(a) and 504 loans under the
guidelines of the U. S. Small Business Administration and the supervision of Servicing
Officers, the Customer Service Representatives, and support staff.
Additional relevant employment experience:
AVP & Commercial Loan Officer:
Loan Documentation and Note Department Manager with Business & Professional Bank; and
with First Commercial Bank, Sacramento, CA.; Commercial Loan Officer with Wells Fargo
Bank, Sacramento Main; Loan Documentation Specialist, Wells Fargo Bank in San Jose
Regional Commercial Banking Headquarters.
Education:
University of Nevada, Reno, Nevada