Our Mission

California Southern remains committed to assisting small and mid-size businesses get the financial assistance they need to become productive and successful and contributing partners in their communities.

Through longstanding and trusted relationships with more than 40 banks and lending institutions, California Southern helps secure financing for small businesses that have great potential, but lack credit strength and may be unable to qualify for a conventional loan on their own. California Southern does this by assuming a portion of the financial risk. The program places emphasis on assisting small businesses, particularly minority and women-owned businesses who cannot qualify for a bank loan without a guarantee.

For nearly 30 years, California Southern has been recognized as a valued business partner within the communities it serves, having helped create more than 4,000 new jobs in a variety of industry sectors including construction, hospitality, ancillary medical services, service industry and craft brewing.

Board of Directors

The California Southern Board of Directors includes dedicated business professionals with many years of financial and business experience as well as broad and varied community support and involvement.


Jeff Hester - Chair

Since 1991, Jeffery Hester has worked as a Senior Vice President/Credit Risk Officer at Rabobank, focusing in small business, commercial real estate, and agricultural production loans. Active in his community, Jeffrey has served on a variety of boards and as a volunteer, including as a Board Member of the School Advisory Board, Catholic Charities.

Rebecca Humphries - Vice Chair

Rebecca Humphries is Senior Vice President/Senior Loan Officer for Neighborhood National Bank. Her nearly 30-year career in the financial industry has been in community banking. Rebecca has worked in a variety of capacities within the industry including operations/branch management with an emphasis on lending, including loan origination, underwriting, processing, special assets, and credit administration. An active member in her community, in addition to her involvement on the California Southern Board, she is a volunteer with a number of youth oriented organizations.

Fernando Ponce - Treasurer

Over the years, Fernando Ponce’s focus has been connecting business owners with capital providers to get them access to the financing they need. Working as a business banker and as the Regional Business Development Officer at Primary Funding, has given Fernando the important perspective on how building relationships and making connections is an essential part of business success. He is also a board member of the Chicano Federation of San Diego County, where he works on making an impact and giving back to his community.

Barry J. Schult, Esq. - Secretary

Barry J. Schultz is a Partner with the law firm of Devaney Pate Morris and Cameron. With over 25 years of combined legal, planning, and community development experience, his law practice focuses on real estate and land use law, community development, affordable housing, infill development, and sustainable community development. Barry has been a guest lecturer at UCSD and has taught courses on Urban Design and Economics. As an active member of the community, Barry serves on the Boards of the McAlister Institute, and the Carmel Valley Planning Board.

Michel Anderson - Board Member

Michel Anderson has served on the California Southern board since its inception in 1989. He has over 30 years of experience as a business and land use consultant specializing in governmental relations, project management, development processing, and public affairs and is currently the Principal at Michel Anderson Associates. Michel has served on the Board of Directors of numerous community based non-profit organizations. He presently serves as Chairman of both the the SANCAL Board of Directors and the CASAS Board of Directors.

Kim Folsom  - Board Member

As a high-tech executive and serial entrepreneur, Folsom has been founding, leading and growing innovative companies for more than 25 years. She is the founder of LIFT Development Enterprises, Inc. and co-founder and CEO of Founders First Capital Partners, LLC, a small business growth accelerator, FUUUSE.CMNTY.com the first online community for fueling underserved small business expansion and the only women-led, revenue-based venture fund focused on helping underserved, employer-based micro small businesses ($50K to $2M), secure funding and achieve exponential growth. She has raised more than $30 million in institutional venture financing, and has founded or served as a key executive for multiple successful ventures, including showUhow, DriveCam and Seminarsource. Before devoting her energies to entrepreneurship, Folsom was an executive at National Dispatch Center, Luce Forward, Alltel Systematics and Great American First.

Nury Saenz - Board Member

Nury Saenz, EA started working in accounting while attending school and opened her own practice in 1997, becoming an Enrolled Agent in 2003. In addition to full service accounting and payroll services, her office also offers Income tax return preparation, with year-round representation for Individuals, business (LLC’s and Corporations) and Trusts. She has a very diverse clientele base, many with domestic and international businesses. Nury received her National Tax Practice Institute accreditation in 2014 and is now a NTPI Fellow. She teaches payroll and small business tax seminars on behalf of the IRS as a volunteer. Additionally, she is a QuickBooks & Xero expert and regularly teaches classes for all levels.

Dale Wineteer - Board Member

Dale Wineteer serves as President of RoadOne West, Inc. and A to Z Enterprises, Inc. in San Diego. He is the past President of Evolution Insurance Company in addition to serving on a variety of non-profit boards, including as past President of Pioneer Hook and Ladder (the San Diego Firehouse Museum). Dale has served on the California Southern Board of Directors in various leadership roles throughout his tenure.

Ciro G. Villa - Board Member

Ciro G. Villa is the Senior Director, Commercial Banking for Torrey Pines Bank. He has over 25 years of industry experience and has held senior level positions in the San Diego, Chula Vista and San Ysidro areas. Mr. Villa is a long-time resident of San Diego, growing up in South San Diego. In addition to serving on the board for CA Southern, his community involvement includes board member for Home Start and Casa Familiar. Mr. Villa’s education includes a Bachelor of Science degree in Business Administration from California State University and a Master’s Degree in Business. He also graduated from Pacific Coast Banking School, Class of 2010.

Our Staff

Our staff is dedicated to helping you get the answers and financial assistance you need to start or expand, your business. The California Southern team looks forward to working with you to make your business ownership dreams a reality.


Juan Carlos Hernandez

President & CEO
jchernandez@californiasouthern.com

Mr. Hernandez joined California Southern SBDC as the Chief Credit Officer/Senior Vice President in May of 2018. Prior to joining Cal-Southern, Hernandez was Chief Credit Officer of ACCION San Diego from September of 2014 and was responsible for lending staff supervision and training, program development, underwriting, loan portfolio quality and management, loss mitigation and recovery; and participating in the development of bank and community partner relations. Hernandez received a B.A. in Sociology, with an emphasis in Work Force Studies from University of Illinois at Chicago. He is originally from Mexico City; moved to Chicago, Illinois in 1977 and has resided in San Diego since July of 2012. Hernandez has over 30 years of experience in banking, including consumer, business and commercial real estate lending. Prior employment includes working with US Bank in San Diego California. In Chicago, he worked for Metropolitan Bank Group, La Salle Bank & Trust and The First National Bank of Chicago. He has been featured in various newspaper articles including The Wall Street Journal. Mr. Hernandez previously served as President of the San Diego County Hispanic Chamber of Commerce.

Lisa Davis

Loan Officer
ldavis@californiasouthern.com

Lisa Davis is a Loan Officer with California Southern. Lisa's previous employment was with Union Bank where she managed both high net worth clients and small businesses varying in revenue size of $2.5 million - $15 million. In her 35 years with the bank she held various positions and titles in lending and brings a wealth of knowledge in small business and commercial lending as well as business development and compliance. Lisa is a member of MANA de San Diego. She also volunteers at Family Health Center's Spirit of the Barrio Luncheon.

Vanessa Cárdenas

Junior Loan Officer

Vanessa joined California Southern SBDC in July 2020. She has over 15 years of experience in the financial field and micro-lending including being part of the Mexican Government. Prior to joining, Vanessa was a Jr. Loan officer of ACCION San Diego from 2018 to 2020. She has a Bachelor’s degree in Business Administration from UABC and a Master’s in Business Administration (MBA) with an emphasis in Marketing from Cetys. Both of these universities are well renowned in the Mexico. Vanessa’s experience includes portfolio collection management and the returned check department for Nextel (C.K.A. AT&T). The territory she covered included four states in the Republic of Mexico. Vanessa was previously an active member of the Rotary Club of Ensenada.

Karla Ibañez

Loan Portfolio Administrator/Manager

Karla Ibañez joined California Southern SBDC in October 2020 as the Loan Portfolio Administrator/Manager. Her previous employment was with a Community Development Bank where she primarily focused on Administration/Compliance; liaison between Executives, Board of Directors, Committee Members, Employees, Vendors and other Financial Institutions. In her nearly 30-year banking career she has held various positions and titles, which have resulted in setting her apart with her Organizational and Administrative skills. Karla’s passion is creating priceless moments in the outdoors with her family!

Tom Xitco

Tom Xitco

Accounting Manager
txitco@californiasouthern.com

Careers

Date: August 2020

 

Job: Compliance & Administrative Assistant

 

Reports to Chief Credit Officer

 

Exempt Status: Non-Exempt

 

Location: San Diego Office

 

Hours: Full Time

 

California Southern Small Business Development Corporation (Cal-Southern), is one of seven Financial Development Corporations (FDC) sponsored by the State of California. Cal Southern partners with community and regional banks and other local lending institutions to provide loan guarantees for small businesses that are unable to qualify for conventional financing. Cal Southern is one of the top producing FDCs in the network and is looking to continue to grow its market share.
The organization is looking for a proactive, self-starter who is able to work independently within a small company environment. We offer a competitive salary, benefits and a friendly work environment. Compensation is at an hourly rate.

 

Primary Responsibilities

 

The Compliance and Administrative Assistant position assists in completing California Southern’s loan guarantee portfolio reporting and provides administrative support to office staff, the Chief Credit Officer and Board of Directors. The ideal candidate will have excellent communication skills as well as a strong background in developing reports and managing multiple duties. Responsibilities and duties include:

 

• Assemble all documentation necessary to complete borrower files

• Create and maintain corporation files (paper or digital) as necessary

• Close loan files to ensure proper compliance as required by State of California (I-Bank)

• Ensure files are easily accessible to Staff, Board of Directors, I-Bank and Auditors

• Prepare monthly reports and Board Package to present at monthly meeting with Board of Directors

• Prepare monthly production reports used at Board of Directors’ meeting and by Chief Credit Officer to determine annual production

• Complete and submit Quarterly loan performance reports submitted to I-Bank and Chief Credit Officer to determine quality and performance of loan portfolio

• Maintain communications with Financial Institution participating in Guarantee program to request quarterly loan performance reports

• Tracking of loans that have been re-structured, deferred or paid in full in accordance with I-Bank’s requirements

• Manage schedule loan presentation meetings for Credit Committees and Board of Directors (if necessary)

• Capture minutes of Board of Director’s meetings and Credit Committees

• Maintain Cash Logs to ensure fees and other recoveries are logged and have been submitted to staff accountant

• Submit production reports to staff accountant to be used to determine employee incentives

• Perform any other related duties as assigned

 

Preferred Qualifications

 

• 2 years or more of office administrative responsibilities and reporting/compliance experience

• Bachelor’s Degree is desirable

• Excellent communication skills

• Proficient in Microsoft Office Software; with strong knowledge of Excel and Word

 

Contact

 

Please send resume and cover Letter to the attention of Juan Carlos Hernandez at: jchernandez@californiasouthern.com