Coralie Myers, President
SBA Loan and Resource Specialist
SBA Business Solutions, Inc.
Coralie@sbaBusinessSolutions.com
Financial/Eligibility Analysis - Made determinations of
eligibility for SBA loan programs and creditworthiness. Assessed management
ability, financial condition of business and prospects for success.
Well-versed in SBA Loan Procedures in processing, servicing and liquidation.
Worked with special assets/liquidations for 10 years. Provided bank training
on proper SBA procedures to ensure guaranty of commercial credits.
Leadership - Supervised several projects annually for SBA,
arranged conferences, set up teams and made sure events went as planned.
Established network of partners across the Inland NW to accomplish Agency
goals and increase participation in events. Supervised 2-7 employees; backup
to Chief Economic Development/Acting Branch Manager from 2001-2005. As a
choir director for over 7 years, I was able to get 25 people of all ages and
differing levels of skill to "sing the same song - in harmony."
Public Speaking - Created and conducted presentations for
5-200+ attendees at seminars and conferences; taught classes on Internet
Marketing, Finance, Cash Flow, and Business Resources for area colleges,
chambers, business organizations, and SBDC classes, and has prepared and
presented bank trainings since 1982.
Volunteer Leadership - National Association of Women Business
Owners - founder, active since 1995. New Century Economic Development Plan,
Spokane Area Chamber, Team Leader - 1998-2001. Young Entrepreneur's Seminar
Planning Committee 1996-2001. Professional Resource Options 1988-1991. Boy
Scout Commissioner 1986-1993. SCORE, Counselors to America's Small Business
- advisor 1995-2005, member 2005 - present. Currently Marketing Chair and
Workshop Presenter. (Please note: because of a potential for a conflict of
interest, I no longer do one on one counseling, nor can I package a loan
request for someone that I have counseled - this is part of the Code of
Ethics for SCORE.)
Computer Skills - Fluent in Microsoft Word, Excel, Access,
PowerPoint, and Publisher as well as several graphics programs. I can code
Internet web pages in HTML, but more importantly know how to leverage this
important resource, and provide direction on how to increase its usage and
applicability.
Accomplishments:
Started and grew a successful business operation from the ground up - the
Spokane Area Business Information Center (BIC). I started and ran the BIC as
a business, measuring its successes, managing finances and operations,
purchasing resources, and reporting to the partners in the joint venture. I
built one of the top entrepreneurial libraries in the Northwest. Developed
operating policies and procedures, systems to improve efficiency and track
results. Developed partnerships in the community to increase exposure,
provide funding, and increase usage of resources. Conducted market research
to identify and target the specific needs of small business. Worked with
entrepreneurs, counseled, found resources to help them start and improve
their own operations. Developed and published 60-page regional small
business resource guide, developed comprehensive business resource web site
for the Inland Northwest.
Developed Loan Briefings - Most people want to know about
financing a business. To save time, improve the quality of information going
out, increase usage of the library and SCORE workshops and promote better
business planning, I developed the 1 hour Loan Briefing in 1996. Over 500
people a year attend here, and SBA now holds the briefings nationwide.
Developed/ Coordinated Small Business Month in the Inland Northwest
2000-2004 - Coordinated a month-long celebration of small business,
created marketing materials and website, coordinated communication and
marketing of events by all partners. Grew from 14 organizations
participating and offering 20 events, to 57 organizations offering over 150
events in 2004.
Developed Tracking Databases - 1. To track SBA loans, cross
reference to bank loan numbers, assure compliance. 2. To measure usage of
resources in the Business Information Center (BIC.) I developed a workshop
management database to streamline workshop registration, record keeping and
referrals for events done with all partners at the BIC. I also developed the
641 database with Richard Blum in 1997 to track customers. We received an
award from national SBA, and that program was the basis for the Economic
Development Management Information System that is now being used by the SBA
and its resource partners nationwide.
Developed Mentoring Programs for Women Entrepreneurs - As the
SBA's Women's Business Ownership Representative (1987-2005) I formed the
Women's Network for Entrepreneurial Training in the Inland Northwest,
matching individual entrepreneurs with experienced mentors (1988-1990) which
was the model at that time. To increase efficiency and reach more women, I
created quarterly roundtables with SBA resource partners, and in 1995
organized the first NAWBO Chapter in the Pacific Northwest, which reached
far more women with less staff time required.
Expanded on SBA Success Story program, developing it into an
effective marketing vehicle for SBA and its resource partners in the
northwest. Framed stories are presented to entrepreneurs at public venues,
to SBA resource and lending partners, provided to the media and posted on
the Internet. These entrepreneurs sing our praises, and our partners use the
stories in joint marketing. This type of marketing is a service now
offered by SBA Business Solutions.
Experience - over 25 yrs experience in SBA lending as an SBA
loan officer, processing, underwriting and dealing with troubled accounts at
SBA. Over 3 yrs experience in banking, overseeing all SBA loans and
maintaining a loan portfolio of SBA and direct loans.
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Positions held:
- Vice President, SBA Officer - established SBA program, maintained loan
portfolio
- Commercial Loan Officer, finance (recommended & approved loans up
to $2 million.)
- Commercial Loan Officer, portfolio management (servicing, workouts,
handled commercial liquidation loan portfolio)
- Liquidation Supervisor (supervised 7 liquidation specialists, managed
over 400 accounts)
- BIC Manager/Economic Development Specialist - Developed regional
business resource center serving approx. 15,000 entrepreneurs a year. As
Economic Development Specialist, I was lead marketer for the Spokane
Office, developing marketing strategies and brochures, flyers, arranged
conferences, prepared annual reports, maps, and more. This position also
included both loan processing and approvals.
Awards - I received 20 awards from SBA over my last 10
years there, including the SBA Region X Employee of the Year in 1997. In
2004, I received the Community Star Award - Bridge Builder from the
National Association of Women Business Owners (NAWBO) for building partnerships
that benefited entrepreneurs in the Inland Northwest. In 2007, I
received the Community Star Award - Unsung Hero from NAWBO. In May 2009,
I received the Washington State District Director's Award for Excellence for
my work with
NAWBO and SCORE, Counselors to America's Small Business.
Training - Current: National Association of Government
Guaranteed Lenders (NAGGL) classes in SBA Servicing & Liquidation, SBA
Credit Analysis 101, Closing & Funding the SBA Loan, Understanding the
SOP 50-10-5 (new in 2008) SBA Application Processing. Bankers Edge online
training: Core Curriculum and Loan Staff.
Community Involvement - Coralie is active in the Inland NW
Chapter of NAWBO, a group she was involved in organizing in 1995, and is a
member of the Greater Spokane Valley Chamber of Commerce, and New Life
Assembly of God Church. She is also the Fundraising/Resource chair for
SCORE, an organization she has supported for over 16 years as an associate
and a volunteer.
Training and Development Team
It is our privilege to work with several outstanding trainers and
consultants in the Inland Northwest to bring you custom training for
business owners or lenders. Many of these professionals offer management
consulting to businesses in their own right, and are not affiliated with SBA
Business Solutions, other than in a collaborative training capacity.
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