Prior to joining Grandpoint, David Ross served as Executive Vice President and Chief Credit Officer of Bank of Manhattan in Manhattan Beach, Calif. From 1999 until 2007, he was Executive Vice President, Chief Credit Officer and Compliance Officer of El Segundo-based First Coastal Bank. He joined the bank in 1998 as a Senior Lender. Previously, he served as Vice President and Commercial Lender at Republic Bank, where he was in charge of business development and portfolio management. He worked at Marathon National Bank in West Los Angeles from 1988 until 1997, managing the Special Assets/REO and Loan departments. Previously, Ross was a Vice President and Commercial Lender at Imperial Bank and Mitsui Manufacturers Bank. He started his banking career in 1973 at Crocker National Bank, where he held a variety of credit-related positions. Ross earned a bachelor's degree in business management from Arizona State University. He holds an M.B.A. in finance from San Francisco State University and a graduate certificate from Pacific Coast Banking School at the University of Washington.