James F Gardunio

86 north Main St, Porterville, CA 93257

Banking

Community Bank of Central California Aug 2002 - Feb 2005
First Vice President and Special Assets Manager
Sierra Bancorp Aug 2002 - Feb 2005
Executive Vice President and Chief Credit Officer
Golden Venture Financial Services Mar 1999 - Aug 2002
President
First Coastal Bank Jul 1996 - Mar 1999
Executive Vice President, Managing Director, and Chief Credit Officer
Mercantile National Bank Jul 1994 - Jul 1996
Executive Vice President and Chief Credit Officer

Stanford University Graduate School of Business 1975 - 1977
Master of Business Administration, Masters, Financial Management, Finance San Jose State University 1973 - 1975
Bachelors, Bachelor of Science, Business Administration Skyline College 1971 - 1973
Associates, Associate of Arts, Liberal Arts, Humanities, General Studies United States Army Adjutant General School 1968 - 1971
El Camino High School 1964 - 1968

Credit
Commercial Banking
Commercial Lending
Small Business Lending
Asset Based Lending
Banking
Credit Risk
Loans
Credit Analysis
Underwriting
Financial Analysis
Lines of Credit
Retail Banking
Portfolio Management
Risk Management
Commercial Mortgages
Business Strategy
Real Estate
Finance
Mortgage Lending
Loan Origination
Consumer Lending
Investments
Cash Management
Treasury Management
Financial Risk
Mortgage Banking

Executive Vice President at Bank of the Sierra

Visalia, California Area

Banking