Angelo Debernardo

550 Chandler Ln, Watsonville, CA 95076

Financial Services

Santa Cruz County Bank
Executive Vice President and Chief Lending Officer
Heritage Bank of Commerce Jan 1997 - Feb 2004
Commercial Team Leader
Santa Cruz County Bank Jan 1997 - Feb 2004
Senior Vice President Chief Lending Officer

Pcbs - University of Washington 2001 - 2004
San Jose State University 1994 - 1997
Bachelor of Applied Science, Bachelors, Accounting Cabrillo College 1992 - 1994
Associates, Associate of Arts, Construction Management, Energy Pcbs - University of Washington 1967 - 1968
Ridgefield High School (Connecticut)
San Jose State University

Commercial Lending
Small Business Lending
Credit Analysis
Loans
Commercial Banking
Credit
Banking
Lines of Credit
Commercial Mortgages
Real Estate
Mortgage Lending
Financial Analysis
Mortgage Banking
Middle Market
Loan Origination
Portfolio Management
Underwriting
Business Development
Cash Management
Credit Risk
Small Business
Accounting
Competitive Analysis
Contract Negotiation
Finance
Investments
Treasury Management
Risk Management
Asset Based Lending
Commercial Real Estate
Consumer Lending
Cash Flow Lending
Sba
Payments
Retail Banking
Mergers and Acquisitions
Strategic Financial Planning
Financial Modeling