James Cline Email & Phone Number

Los Angeles, Ca, Us

Adviser to CEO's and owners of closely held businesses with sales of $1 million to $100 million. Helps structure and obtain appropriate financing and establish relationships with the best bank and other professionals for the particular business. Brings stability to businesses facing immediate challenges. Sets up stable businesses to grow successfully.• Assisting businesses, developers and individuals find appropriate capital and credit facilities from institutional and non-institutional sources.• Assisting CEO’s develop and execute business plans to enhance growth and to turn around troubled businesses.

Los Angeles, Ca

Became the first business development officer as the newly recapitalized bank was nearly out from under a consent order from the FDIC, built the presence of the bank in the Los Angeles market until it moved its office to Irvine from Downtown Los Angeles.Bankers to business whose goal is to make their customer's business better. As a small independent bank, they look at deals the big banks can afford to ignore.

Irwindale Business Banking

Supported the stabilization and growth of 8 former Vineyard offices acquired from the FDIC, focusing on commercial real estate, small business and middle market credit needs, deposit and cash management business; and, led team of relationship officers and branch personnel. Coordinated the marketing, underwriting, structuring and approval of all new credit and business relationship opportunities. Turned around a unit with an annual loss of $750,000 to a unit with an annual profit exceeding $750,000 in less than 2 years. Oversaw the management of the branch operations team.Creating Trust and Value in Relationships for Generations.

Established a new commercial banking center focused on real estate and middle market credit, deposit and cash management business and lead team of relationship officers. Coordinated the marketing, evaluation, structuring and approval of all new credit and business relationship opportunities.• Built outstanding loan portfolio from zero to in excess of $120,000,000.• Grew the deposit base from $30,000,000 to $65,000,000.• Took a unit with an annual loss of $500,000 to an annual profit exceeding $4,000,000.• Oversaw the management of an active retail branch, maintaining high customer service levels.• Arranged credit for companies in a wide variety of industries and in support of a wide spectrum of purposes, e.g., senior debt, working capital, foreign exchange, international trade, bonding, equipment, construction and real estate.• Utilized SBA and other government guarantee and credit programs as appropriate.• Maintained all credit facilities current and suffered no losses.

Government Lending Department, Los Angeles, CAStructured and underwrote transactions utilizing U.S. and California State government guarantee programs, including guarantees from the U.S. Export-Import Bank, the U.S. Small Business Administration, the U.S. Department of Agriculture and various California State programs, with middle market corporations.• Marketed programs internally and externally.• Managed book of 100 customers / $100 million credit portfolio.

Los Angeles Agency, Los Angeles, CABusiness development and relationship manager responsible for several economic groups. Managed 20 customers / $1.0 billion credit portfolio.• Expanded depth of organizational relationships. Generated 6 new relationships and booked $250 million of new assets in less than 12 months. Customers included Southern California upper middle market corporations, such as: Seminis, Fresh International, Sizzler International and Direct TV.• Created focused marketing initiatives for 5 major industry groups: Food & Agriculture, Engineering & Project Finance, Forest & Paper Products, Defense & Electronics and Mining.

Los Angeles Overseas Branch, Los Angeles, CATeam leader responsible for developing loans, finance Southern California international trade and other cross-border transactions with locally based businesses, as well as managing local relationships of global customers.• Developed direct corporate banking presence for overseas branch previously focused only on correspondent banking. Created superior book of long-term middle market and large corporate relationships.• Subsequently repositioned Los Angeles branch from a general industry orientation to one with an international trade and project finance focus.• Shortened debt maturity and increased credit quality profiles of branch without sacrifice to overall profitability.• Creatively resolved “problem” relationships with no losses on personally developed relationships.

Los Angeles Head Office, Los Angeles, CAResponsible for marketing and management of relationships primarily in Southern California, but also throughout the Western United States, including correspondent and affiliate banks outside California.• Developed and implemented marketing program for both middle market companies in Southern California.• Generated numerous new customers and strengthened existing relationships.• Initiated new marketing program, achieving dramatic increase in usage of money market and treasury products.• Completed Corporate Credit Training Program.

Jd, Law

Bachelor Of Science (B.S.), Business Administration, Finance And Real Estate