North Bay Business Journal

Monday, May 12, 2014, 6:30 am

Spotlight on SBA lenders


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    (Listed alphabetically by institution.)

    Alden Macabales

    AltaPacific Bank

    3725 Westwind Boulevard, #100, Santa Rosa 95403, www.apbconnect.com; 707-236-1500
    Alden Macabales

    Alden Macabales

    Alden Macabales is a senior vice president and SBA division manager for AltaPacific Bank, and is based in the bank’s Southern California footprint. He began his 24-year SBA career as an SBA loan officer in 1990, and discovered his passion to help small businesses — business he calls “the lifeblood of the economy.”

    Assisting small- and medium-sized businesses to expand their operation and staffing motivates him to structure beneficial financial packages for the borrowers, and Mr. Macabales said that the fully-amortized SBA loans are one of the best financing options currently available for business.

    Mr. Macabales said that he works to make himself available to answer questions for clients throughout the application process for an SBA loan. AltaPacific Bank is designated by the U.S. Small Business Administration as a preferred SBA lender.

    Mr. Macabales is a graduate of the Executive Program in Management from The Anderson School at University of California, Los Angeles. He has a Bachelor of Science in business administration, with emphasis in finance.

    Laurie Todd-Dunlap

    American River Bank

    90 S. E St., #11, Santa Rosa 95404, americanriverbank.com, 707-528-6300
    Laurie Todd-Dunlap

    Laurie Todd-Dunlap

    Laurie Todd-Dunlap is vice president and portfolio manager for American River Bank, with responsibilities that include SBA lending activity.

    She graduated from University of California, Santa Barbara with a bachelor of arts degree in American history, and later earned an associate’s degree in banking and finance while beginning her career as a teller at Santa Barbara National Bank.

    Ms. Todd-Dunlap has worked in banking for over 36 years, 35 of which have been in Sonoma County. She has been with American River Bank and its predecessor, North Coast Bank, for over 20 years.

    A volunteer with United Way’s Schools of Hope program and a reading tutor at Brook Hill Elementary, Ms. Todd-Dunlap is also the bank’s team leader for its ongoing participation in Sonoma County’s annual Human Race.

    Ms. Todd-Dunlap cited longstanding client relationships over 20 years as a source of pride, and said that the Sacramento-based American River Bank’s North Bay offices focuses heavily on close banking and consulting relationships with small-to-medium-size businesses.

    Scott Snow

    Bank of America, N.A.

    10 Santa Rosa Ave., #210, Santa Rosa 95404, www.bankofamerica.com, 707-293-2549
    Scott Snow

    Scott Snow

    Scott Snow is a senior vice president senior credit products officer for Bank of America’s Business Banking Group in the North Bay, responsible for underwriting, structuring and consulting with business owners regarding their financing needs for owner-user real estate acquisition. Mr. Snow has been advising and serving business credit clients in Sonoma, Napa and Marin counties since 1983. Over the years, Mr. Snow has helped numerous business clients finance the purchase or the construction of their business facilities by guiding them through the SBA-504 loan process to help clients obtain financing under this alternative to conventional financing.

    “Activity under the SBA-504 program for the purchase of owner-occupied commercial real estate was strong in 2013 in the markets my group covers and this trend is continuing into 2014. Business owners are recognizing the benefits of ownership of their facilities and they are taking advantage of the low interest rate environment which helps to make ownership more affordable,” he said.

    Mr. Snow takes pride in that he has been able to take part in helping numerous business clients in the North Bay Community grow their business and to maintain long lasting business relationships with these clients as their businesses have grown.

    Mr. Snow is an active volunteer with the Children’s Village of Sonoma County, a non-profit organization that provides a home like setting for foster children siblings to remain together as a family.

    Cheryl Cinelli

    Bank of Marin

    504 Redwood Boulevard, #100, Novato, 94947, www.bankofmarin.com, 415-763-4520
    Cheryl Cinelli

    Cheryl Cinelli

    Cheryl Cinelli is senior vice president and senior commercial lender at Bank of Marin. She has been with the institution for eight years, her latest role in a 25-year career in commercial lending.

    The bank offers SBA 504-type loans, a product that Ms. Cinelli said can be highly beneficial for commercial borrowers with goals like equipment or real estate acquisition or new construction.

    “The key part is the 90 percent financing,” she said. “This way, the business owner can preserve more capital and use it to grow the business.”

    Ms. Cinelli graduated from St. Mary’s College with a degree in business administration. She serves as treasurer for the board of directors of MarinSpace, an organization that assists other nonprofits with securing workspace in Marin.

    Robert Thompson

    Bay Area Development Company

    1801 Oakland Blvd., #100, Walnut Creek, 94596, www.baydevco.com, 925-472-5603
    Bob Thompson

    Bob Thompson

    As vice president and loan officer at Bay Area Development Co., Robert Thompson is in charge of business development for the North Bay. His career began in 1985 with First Capital CALBIDCO, which later became First Capital, where he was a credit officer focused on underwriting SBA 7(a) requests.

    Mr. Thompson rose to senior credit officer and senior development roles before joining Bay Area Development Company in 1995. He is a graduate of the University of Massachusetts, with a bachelor’s degree in business and an emphasis in marketing.

    Jacklyn Jordan

    Capital Access Group

    150 California Street, #250, San Francisco, 94111, www.capitalaccess.com, 415-217-7600

    Jacklyn Jordan

    Jacklyn Jordan is the founder and president of Capital Access Group, a certified development company based in San Francisco and operating in regions including the North Bay.

    Ms. Jordan became involved in small business lending while working for the city of San Francisco under Mayor George Moscone and then Mayor Dianne Feinstein. During her time in the Mayor’s Office of Economic Development, the city started its SBA lending program. Seeing demand for this public/private lending partnership, she started her own business and expanded the geographical territory. Under her leadership, Capital Access Group has helped thousands of small business owners purchase real estate to grow and expand their businesses, and these loans have resulted in the creation of thousands of new jobs.

    “We believe it is imperative for companies that think they’re going to be around for the long-term to own their own real estate,” she said. “During the dot-com boom, we saw so many smaller businesses – auto repair shops, hair salons, corner stores—simply disappear. The current boom could have a similar effect on businesses that don’t act.”

    Ms. Jordan earned a bachelor’s degree in American civilization from Mills College and an master’s degree in Urban and Regional Planning from San Jose State University.

    Kelly Ryan

    CDC Small Business Finance

    1012 Torney Ave., San Francisco, 94129, www.cdcloans.com, 415-531-9313

    Kelly Ryan

    As the Bay Area loan officer for CDC Small Business Finance, Kelly Ryan helps small and growing businesses in the region purchase their own building using SBA-504 financing. She has specialized in providing SBA loans for the past decade, and is a graduate of Vanderbilt University. Ms. Ryan said she is most proud when she drives by properties she has helped finance.

    Sherrill Stockton

    Exchange Bank

    545 Fourth St., Santa Rosa, 95401, www.exchangebank.com, 707-524-3102

    Sherrill Stockton

    Sherrill Stockton is a senior vice president and SBA administrator at Exchange Bank, a position she holds after more than 20 years working in the SBA world. In that role, she is responsible for the management of the SBA department and the sourcing, underwriting, funding and selling of SBA loans.

    Ms. Stockton, a graduate of Stanford University, joined Exchange Bank to help launch their SBA department in 2009, achieving “preferred lender” status in two months.

    She is on the board of directors of the National Association of Government Guaranteed Lenders, and also chairs the group’s influential Technical Issues Committee. Ms. Stockton is a frequent speaker, instructor and panelist for SBA lender-related programs.

    She also chairs the group’s Technical Issue’s Committee. She supports a number of community organizations, and is the board president of Community and Family Services Agency — where she has served on the board for more than 10 years.

    Ms. Stockton said she considers her three young adult children to be her life’s best work.

    Randall Behrens

    First Community Bank

    438 First St., Santa Rosa 95401, fcbconnect.com, 707-636-9711

    Randall Behrens

    Randall Behrens joined First Community Bank in 2013, as vice president, small business loan officer. Mr. Behrens came to the bank after serving as vice president, business development officer for Heritage Bank of San Jose, having worked in their Santa Rosa lending office. He earned the distinction of top producer each year from 2007 through 2013.

    Previously Mr. Behrens worked with Greater Bay Bancorp of Santa Rosa, developing loan originations of SBA 7A and SBA 504 loans. Mr. Behrens holds a B.A. degree from California State University, Sacramento and is a graduate of Pacific Coast Banking School.

    Mr. Beherns describes himself as an SBA specialist, having worked with the program for more than 12 years. Those loans address a “real need” for many businesses, he said.

    He also values the outcomes possible through local decision making at a financial institution, and said those qualities are present at First Community Bank.

    As part of his commitment to the community, Mr. Behrens is a volunteer mentor with COTS (Committee on the Shelterless). He lives in Windsor with his wife and two children.

    Laura Guerrero

    First Northern Bank

    1455 Oliver Rd., Fairfield 94534, www.thatsmybank.com, 707-469-2122

    Laura Guerrero

    Laura Guerrero is an assistant vice president and small business loan officer at First Northern Bank, where she is responsible for helping small-business owners secure financing under the SBA 504 program.

    Ms. Guerrero has been an SBA banker since joining First Northern Bank in 2006. She has at least 10 years of experience in financial services. Prior to joining the bank, Ms. Guerrero performed financial and marketing analysis for Mid-Valley Properties, a property management firm in Fair Oaks, Calif.

    First Northern Bank has been designated as a Small Business Administration Preferred Lender since 2002.

    Ms. Guerrero is currently serving her third year on the board of directors of Soroptimist International of Vacaville. She holds a bachelor of arts in business economics from the University of California, Santa Barbara.

    Ruth Brown

    Heritage Bank of Commerce

    851 Sterling Pkwy., Lincoln 95648, www.heritagebankofcommerce.com, 916-434-6985

    Ruth Brown is senior vice president and SBA department manager for San Jose-based Heritage Bank of Commerce, a bank that is active in the SBA realm elsewhere in California and in the North Bay. She previously served as managing director of First Republic Bank, and has over 20 years of experience in banking.

    Ms. Brown earned a bachelor’s degree from St. Mary’s College, and is a graduate of the Pacific Coast Banking School. She is an East Bay native.

    Jason Ehn

    Redwood Credit Union

    3033 Cleveland Ave., Santa Rosa 95403, www.redwoodcu.org, 877-545-4100

    Jason Ehn

    With over 15 years of experience in SBA and commercial lending, Jason Ehn is the Senior SBA loan officer for Redwood Credit Union. In addition to facilitating programs like the 7(a) and 504 programs, he also advises the institution concerning various regulatory changes.

    Mr. Ehn graduated from the University of California, Los Angeles, with a degree in American literature and culture and a specialization in business & administration.

    Redwood Credit Union is an SBA preferred lender, a designation that Mr. Ehn said is a source of pride. He said the providing capital to small business is an important role in a community, helping to spur job and economic growth.

    Mr. Ehn is also a member of the Santa Rosa Chamber of Commerce’s steering committee for Leadership Santa Rosa.

    Sheila Cargill


    1377 Corporate Center Pkwy., #A, Santa Rosa 95407, www.safe-bidco.com, 707-577-8621

    Sheila Cargill

    Sheila Cargill is a vice president and senior loan officer at SAFE-BIDCO, where she is responsible for underwriting loan applications, packaging SBA, closing and otherwise what she calls “taking a loan from start to finish.”

    Ms. Cargill’s career in lending began when she was a teller in 1969. She held a number of positions in the following years and was among the first women to complete Wells Fargo Bank’s commercial, real estate and consumer lending management programs in the early 1970s. She calls her current role at SAFE-BIDCO very rewarding, helping to provide SBA loans or other forms of financing for businesses and helping to serve those who have failed to qualify for financing from other lenders.

    Bill Fogarty

    Summit State Bank

    500 Bicentennial Way, Santa Rosa, 95403, www.summitstatebank.com, 707-568-6000

    Bill Fogarty

    Involved in banking since 1988, Bill Fogarty has held a variety of roles before assuming the position of chief credit officer at Summit State Bank, ranging from commercial lender to CEO. A graduate of the University of Phoenix and the Pacific Coast Banking School, he oversees lending and credit administration at the Santa Rosa-based bank.

    Mr. Fogarty counts the close relationships he has cultivated with clients among his greatest professional achievements, along with his work to help them achieve goals through required financing. Loans backed by the U.S. Small Business Administration help to provide that financing, encouraging entrepreneurship. Summit State Bank is a preferred lender with the SBA, and is also an active participant in other lending programs like the California State Loan Guarantee Program.

    Francine Boards

    Travis Credit Union

    One Travis Way, Vacaville 95687, www.traviscu.org, 707-469-1964
    Francine Boards

    Francine Boards

    Francine Boards became vice president of business lending at Travis Credit Union in early 2012, a position that also oversees SBA lending. As the first person appointed to the newly created position, Ms. Boards is charged with boosting the institution’s efforts in commercial lending. She served as senior commercial credit officer at the credit union since 2009.

    Prior to joining Travis, Ms. Boards held senior management positions for commercial lending operations at One California Bank, Mechanics Bank and Civic Bank of Commerce. She has a total of 24 years of financial industry experience and is a graduate of the MBA program at St. Mary’s College of California as well as Pacific Coast Banking School at the University of Washington.

    Barbara Morrison

    TMC Financing

    440 Pacific Ave., San Francisco 94133, www.tmcfinancing.com, 888-989-8855
    Barbara Morrison

    Barbara Morrison

    Barbara Morrison is the founder and president of TMC Financing, a certified development company that has provided billions in financing over 30 years in California and Nevada.

    She is also the founder and board president of Working Solutions, a nonprofit organization that assists underserved micro-entrepreneurs with accessing capital to start and grow their businesses. The nonprofit recently opened an office in San Rafael’s Renaissance Entrepreneurship Center.

    Prior to founding TMC Financing, Barbara served as deputy director of the Mayor’s Office of Economic Development in San Francisco, and prior to that she worked for five years in investment banking.

    Michael Rice

    Umpqua Bank

    1400 Grant Ave., Novato 94945, www.umpquabank.com, 415-493-3104
    Michael Rice

    Michael Rice

    Michael Rice is senior vice president and business development officer for Umpqua Bank in the North Bay and San Francisco Bay Area, with a particular focus in the world of SBA loans. His history includes management and development of SBA divisions at a several institutions, most recently as senior vice president of small business lending at Novato-based Circle Bank. Umpqua acquired Circle Bank in November 2012.

    Mr. Rice cites the support of small business through financing as a major source of pride, along with the opportunity to mentor younger lenders and bankers.

    Mr. Rice has a degree in business economics and accounting from the University of California, Santa Barbara. A resident of San Anselmo and Marin County native, he has served on the board of the San Rafael Rotary and Chamber of Commerce and the board of directors of Whistlestop.

    Ole Tustin

    U.S. Bank

    101 California St. #130, San Francisco 94111, www.usbank.com, 415-357-1722

    Ole Tustin

    Ole Tustin is a vice president in the SBA division of U.S. Bank, having spent more than 15 years at the bank in the Bay Area and also with the former Bank of Commerce that joined with U.S. Bank in 2001. He graduated from Stanford University with a bachelor’s degree in international relations.

    Mr. Tustin said that he takes pride in facilitating a smooth lending process, as well as the impact that financing from U.S. Bank has had in helping to grow North Bay businesses through the years.

    Tracy Sheppard

    Wells Fargo Bank, N.A.

    200 B St., #204, Santa Rosa 95401, www.wellsfargo.com, 707-584-3208

    Tracy Sheppard

    Tracy Sheppard is the business development officer managing Wells Fargo’s SBA lending business in Sonoma, Marin and Napa counties. His responsibilities include loan sourcing and generation, structuring loan proposals, initial underwriting and analysis and monitoring of loans through the funding process.

    With a bachelor’s degree in communications from the University of California, Davis, Mr. Sheppard has been in banking for 15 years and with Wells Fargo since 2008. He is a Santa Rosa resident.

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