Patrick Swartz, CMA

Patrick is a Certified Management Accountant and an Accredited Valuation Analyst. He has extensive experience in commercial lending and banking specializing in commercial real estate and development loans, commercial loans and SBA loans. He has been in banking and lending for over 25 years and was an SVP/Acting Senior Lender with North Valley Bank. He has served as a VP/Commercial Real Estate Lender with a small community bank in Sacramento, an AVP/Branch Manager with a large financial institution overseeing SBA 7(a) and 504 lending and a supervisory loan officer with the SBA Disaster Assistance Division. Patrick also has experience in debt-restructuring and loan workouts. He has a bachelor's degree in business administration concentrating in accounting from San Jose State University and holds a California Community College Teaching Credential in Accounting, Banking, and Finance. He has served on various boards of non-profits and is active in numerous community development programs and events. Patrick is a member of the Institute of Certified Management Accountants and the National Association of Certified Valuation Analysts. In addition to providing SBA and commercial loan review and due diligence for banks and financial institutions, Patrick also provides business valuation services including business interruption and economic loss.