Candace is a Senior Vice President of Credit for AVANA companies. Candace has 26
years of experience in commercial and residential lending, with extensive expertise
in credit underwriting analysis and risk assessment, including commercial, SBA
7a/504, and mortgage loans. She excels in structuring and underwriting complex
and diverse commercial credits for various business and collateral types, including
hotels, gas stations, convenience stores, restaurants, strip malls, multi-family,
assisted living, retail, and office buildings. Candace began her career at Imperial
Bank (now Comerica), where she played a key role in establishing the SBA Lending
Division and obtaining PLP status. She also was instrumental in establishing the
Conventional Correspondent Lending program, which originated over $1 billion in
loan volume from 1999 to 2005.

Candace created and implemented loan processing
and underwriting procedures and managed underwriting/processing departments
for Comerica Bank and Mission Oaks Bank (now Banner). Her responsibilities
included hiring, supervising, and training underwriters and loan administrators,
overseeing loan production, and working closely with secondary market lenders.
Candace also has over 12 years of experience as a portfolio mortgage underwriter
for Umpqua Bank and Bank of America, where she manually underwrote the largest
and most complex loans for both banks, holding the highest approval authority
available without second-level review. She earned a Bachelor of Science in Business
Administration from San Diego State University.