Executive Vice President/Chief Credit Officer
Mr. Simmons has over 22 years of experience in bank Lending and Credit Risk Management. His successful career has included position as SVP & Credit Administrator of First Community Bancorp and SVP & Chief Lending Officer for Capital Bank of North County – prior to its sale to First Community. He chaired Capital Bank’s Loan Committee, managed the Allowance for Loan and Lease Loss Reserve, Credit Administration function, loan documentation and servicing, as well as regulatory compliance for both companies.
Mr. Simmons graduated, Summa Cum Laude, from San Diego State University with a B.S. in Finance. He has earned numerous certificates from the American Institute of Banking as well as the Risk Management Association.
MLO Number 579703