Anca Finger

Vice President Senior Commercial Loan Underwriter
EverBank
Fullerton, CA 92831

Anca Finger is a seasoned commercial lending professional based in Fullerton, California, with nearly two decades of experience in credit, underwriting, and portfolio management. She currently serves as a Vice President Senior Commercial Loan Underwriter at EverBank, where she is responsible for underwriting new and existing commercial loans and managing a portfolio of middle-market commercial and industrial (C&I) and commercial real estate (CRE) clients. Her career in banking began in 2007, and over time she has built a strong foundation in credit risk analysis, relationship management, and specialty lending across multiple financial institutions.

Throughout her career, Anca has progressed through increasingly senior roles, including credit analyst, relationship manager, and corporate banking portfolio manager at institutions such as Wells Fargo, HomeStreet Bank, First Foundation Inc., and Commercial Bank of California. A pivotal transition in her professional path occurred when she moved from sales-oriented relationship management into credit-focused underwriting and portfolio management, where she found greater alignment with her strengths. She also completed formal credit training through a competitive program designed for experienced bankers, further strengthening her technical expertise in commercial credit evaluation and risk management.

One of her most notable professional accomplishments includes independently taking over a severely past-due commercial loan portfolio that had not been actively managed for two years, successfully rehabilitating it and maintaining it at a high standard thereafter. Known for her disciplined approach, attention to detail, and commitment to transparency, Anca values clear communication and accountability in her work. She holds a Bachelor of Arts in Psychology from California State University, Fullerton, along with additional studies in accounting through UCLA Extension, and continues to apply both analytical rigor and practical banking experience in her current leadership role in commercial credit.

• California State University, Fullerton - B.A.

• Selected as one of 20 Bankers of the Year at Wells Fargo

• Habitat for Humanity

Q

What do you attribute your success to?

I attribute my success partly to one of my earlier managers when I became a relationship manager at Wells Fargo. She really took me under her wing and showed me a lot that opened my eyes to a different, higher level of doing business. As a salesperson, you have to talk to clients a lot and also understand their financials, so you're doing both. I learned so much from her, and I still do things the way she showed me, and they still work even after almost 15 years. Beyond what I owe to her, I've always been determined to grow and to keep learning. I'm not content with just what I know because there are always moving parts and constantly changing information, especially with how technology changes and the way people do business. So constantly learning is always something that I'm striving to do.

Q

What’s the best career advice you’ve ever received?

The best career advice I received is that when you're new at your company or even in the industry, you need to do your best in constantly learning. If your manager is asking you to do something and you're not sure how, or something comes up, you need to raise your hand, explain your situation, and get help rather than assume or procrastinate. In general, the best advice is communicating any issues that you may have with being able to complete the tasks that have been assigned to you, for whatever reason that may be. Maybe you don't understand, or maybe you don't have the tools, or there's something else wrong. By communicating that, you can actually solve a problem that maybe other people are having, and then you actually look good. That's also a way of learning and growing.

Q

What advice would you give to young women entering your industry?

This is still a male-dominated industry, and a lot of times the males are in the leadership positions and the women are in the support positions. I've always liked companies where you have women in the leadership positions. So I would say if you see mostly males in the leadership position, don't let that stop you. Don't let that deter you from growing. Also, be strong and non-emotional about your job. I think you'll be respected a lot more that way. I've noticed in meetings or conferences where you have to go up and shake somebody's hand, for men they shake their hands, but for the women they hug them. I don't like that. I want to shake your hand. Set your standards, set your boundaries, and they will respect you for it. Everybody will respect you for it.

Q

What are the biggest challenges or opportunities in your field right now?

The challenges in my field are the instability in layoffs. There's been a pattern of hiring one year and laying off the next year. That happens a lot in banking, and also buyouts where one bank will be bought by another bank and then they lay people off. That has happened a lot. I was laid off once, though it wasn't from an acquisition, it was just a budget cut. But I had only worked there for a year, so I wish they had figured that out before and didn't hire me in the first place.

Q

What values are most important to you in your work and personal life?

Communication and transparency are the most important values to me. I believe in just being open and honest, and allowing people to be human. If they make a mistake, as long as they learn from it, that's what matters. That's how you learn. I've made mistakes, and I learned from them, and I never want to do them again.

Locations

EverBank

Fullerton, CA 92831