Sally Beye
Vice President, Sba Lending @Wells Fargo
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WORK HISTORY
Vice President, Sba Lending @Wells Fargo
Oxnard, CA, US
Interact skillfully with borrowers to determine their borrowing need.• Review the adequacy of information presented for credit requests, including construction, startup, business acquisition, owner-occupied real estate, equipment, and working capital loans. • Perform credit and forecast analysis on complex business affiliate structure and personal borrowers/guarantors. • Determine final loan structure that adhere to the SBA SOP and internal credit policy; identify closing conditions; prepare credit memos, and work through various approval channels to obtain loan approval in a timely manner. • Collaborate with various internal teams, such as closing, appraisal and environmental, and sales to ensure that borrowers’ loan contingencies are met. • Ensure the compliance requirements of the loans are met. • Coach junior underwriters on various aspects of the underwriting process.
EDUCATION
Santa Clara University
MBA, Finance
California Polytechnic State University-San Luis Obispo
Bachelor of Science, Mechanical Engineering
ABOUT SALLY BEYE
I am a seasoned financial professional with deep experience in SBA underwriting, commercial credit, and client relationship management. Over my career, I have evaluated complex credit requests, structured SBA‑compliant loans, and collaborated across closing, appraisal, environmental, and sales teams to ensure smooth, timely approvals. I bring a strong analytical foundation developed through years of assessing financial statements, affiliate structures, guarantor strength, and portfolio risk for businesses ranging from startups to middle‑market companies. My background also includes originating and managing commercial relationships, conducting due diligence, preparing audit‑ready credit packages, and identifying cross‑sell opportunities across treasury management, FX, merchant services, and other banking products. I am known for clear communication, disciplined credit judgment, and the ability to translate complex financial information into practical solutions for clients and internal partners. With an MBA and a mechanical engineering degree, I combine technical rigor with a client‑focused mindset. I am fluent in Cantonese and Mandarin and committed to delivering thoughtful, reliable financial guidance in every role I take on.
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