Her Story
About Sandra
I have been with Pinnacle Bank for over 10 years, and the bank just celebrated a 20-year anniversary, so I've been here half of those years. In my role, I review business loan applications for customers who have businesses, both small and larger commercial clients, who apply for loans through our banking process. I analyze the financials and tax returns of these businesses, complete spreadsheets as part of my analysis, and work in collaboration with a portfolio risk manager. We identify and assess risk and try to see if we can get them approved for some sort of lending facility that meets the needs of their business. I also do a lot of portfolio management with existing customers, making sure they're meeting their covenants and submitting their financials. I order appraisals reports and environmental reports and review those as well. During COVID-19, I was part of the PPP loan process and helped assist in the process of initially over 400 Payment Protection Program applications administered by the Small Business Administration, which were designed to provide low-interest loans to businesses to help maintain the workforce during the pandemic. My success has come more through experience and on-the-job learning rather than formal degrees. I've held positions that normally would require high degrees, but I've gotten the position with same pay, if not better, just because of my background and experience. Someone with all these degrees can be green and not really know the banking industry, the banking culture, or the common sense of a business.
Her Interview
Ten minutes with Sandra
01What do you attribute your success to?
My mom has always told me, 'hay que hecharle ganas,' which means you have to give it your all. She's told me that throughout my life and during my healing process with my stroke. I admired my mom's strong work ethic from my very first job. When my manager hired me, she said, 'Your mom, I highly respect her. She's a hardworking employee, and she's really the reason why we're giving you a chance.' That has always stuck with me. My success has come more through experience and on-the-job learning rather than formal degrees. I've held positions that normally would require high degrees, but I've gotten the position with same pay, if not better, just because of my background and experience. Someone with all these degrees can be green and not really know the banking industry, the banking culture, or the common sense of a business. I want to be the voice of the voiceless. Women need to be empowered, they need to find their voice, and they need to find their confidence.
02What’s the best career advice you’ve ever received?
My mom has always told me, 'hay que hecharle ganas,' which means you have to give it your all. She's told me that throughout my life, and during my healing process with my stroke, she's told me that also. When I was in high school, I interviewed a Latina columnist in the San Jose Mercury News, and she kept saying, 'I want to break that ceiling, I want to break through that ceiling and not let what I am define me.' Sometimes I think about that. My mom has been very inspiring. At times, she's been the only woman working for a company, and that had to be not the easiest in the 70s when there weren't protections to protect women against all the harassments and things that happened at work.
03What advice would you give to young women entering your industry?
I want to be the voice of the voiceless. Women need to be empowered, they need to find their voice, and they need to find their confidence. I feel like women need to know that you can break that ceiling. Don't let what you are define you. School isn't necessarily for all of us. I've held positions that normally would require high degrees, but I've gotten the position with same pay, if not better, just because of my background and experience. Someone with all these degrees can be green and not really know the banking industry, the banking culture, or the common sense of a business. My mom has been very inspiring. At times, she's been the only woman working for a company, and that had to be not the easiest in the 70s when there weren't protections to protect women.
04What values are most important to you in your work and personal life?
As a banking professional and a mother, my journey has been shaped by both career and life experiences, but surviving a stroke one year ago truly transformed my perspective. My faith in God gave me a renewed sense of purpose and it strengthened my appreciation for every aspect of my life. I want to be the voice of the voiceless. In my family, there's been some unfortunate tragedies with domestic violence. My mom lost her oldest sister to domestic violence years ago, and I lost a cousin to domestic violence. I feel like women need to be empowered, they need to find their voice, and they need to find their confidence. My mom has always told me, 'hay que hecharle ganas,' which means you have to give it your all. My son is my life. When you do have a child that's in sports and an athlete, their sports kind of become your life.
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