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Banking / Loans
Ethan Todd

Ethan Todd

Relationship Manager/ Commercial Loan Officer
Banning, Riverside


About Ethan Todd:

Results-driven commercial loan officer with over 6 years of experience and a proven track record of success in originating and underwriting complex commercial loans. Strong knowledge of lending regulations and underwriting guidelines, with a focus on risk management and client relationship building. Skilled in financial analysis and credit evaluation, with the ability to identify and evaluate potential lending opportunities. Seeking a challenging role at a reputable financial institution where I can utilize my skills and experience to contribute to the growth and success of the organization.


I am responsible for overseeing the loan process from initial communication with borrowers/brokers to date of loan funding. Size and underwrite deals at the property-level to ensure all potential loans fall within lenders standards and constraints. Review client PFS & SREOs to ensure lender's guidelines are met at the borrower and guarantor levels. Generate Concept Memo and LOI write- ups for each loan utilizing market research, property and borrower-related information. Communicate with EVP, Credit Administrators, Underwriters, Processors, Relationship Managers, Legal, Compliance, Environmental, and Appraisal teams on a daily basis to ensure deal flow for loans in process is running smoothly and any potential issues that arise are addressed promptly. Hire new potential loan officers and create training programs to address skill gaps in new employees. Develop on-boarding programs for new employee sand evaluate employee performance to gauge where skills are lacking. Personal pipeline of over 55 loans funded and $175MM+ in Commercial and Multifamily volume in 2020 and 2021.


I have a B.A. in Business Administration with a concentration in Management and Finance.

I have a State of California Real Estate License

DRE#: 02079287

I have a State of Florida Real Estate License

DRE#: SL3549505

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