SUMMARY:

• Experienced in Debt Restructurings/Loan Recovery/Credit Risk Administration/Stress Testing/Acquisitions/Mergers/Finance/ Real Estate, Property Management, Architecture/ Planning, Economic/ Market Research. Intuitive, knowledgeable, decisively focused and professional. Demonstrated ability to turn around/manage successful operations. Track record of achieving positive results for companies with expertise to clarify inter - connected complex subjects.
• Performed portfolio credit risk-laying analyses and evaluated credit risk of high volatility transactions.
• Implemented Credit Polices and Procedures for an institution under a regulatory enforcement order.
• Effectively worked w/ regulatory agencies w/ Confidential approval.
• Implemented growth strategies for New Jersey s fourth largest credit union. Sr. Management seat on B of D.
• Restructured North American real estate mortgage portfolio for a $50 billion Confidential / Confidential bank.
• Expanded regional commercial real estate mortgage portfolio in excess of $80 million.
• Developed Real Estate Business Practice for international valuation firm. Increased revenues by $1/4 million.
• Established International Real Estate Portfolio & Staff of 40 for $1/4 billion Confidential based financial corporation.
• Organized acquisition program for Integrated Resources; acquired numerous organizations.
• Set up and completed a $200 million Planned Unit Development operation.
• Started up a real estate finance & economic research firm; serviced & advised institutions on debt restructuring, loan workouts, yield analysis, valuations, and market investment analysis.
• Directed the design and construction of residential and commercial real estate projects.

PROFESSIONAL EXPERIENCE:

Confidential

Portfolio Management Executive

Responsibilities:

• Restructured $833 million loan portfolio management operations that were subject to an Confidential MRA examination order.
• Performed annual credit reviews and analysis of portfolio risk - layering/re-finance risk and Confidential high volatility transactions .
• Credit risk audit analyses included CRE loans structured as interest only, repositioning loans, acquisition/ development/construction loans ( Confidential ) and cap-rate erosion due to vacancy creep, as well as, C&I loans with focus upon leverage ratios and total debt load.
• Performed Bank s Confidential Portfolio Stress Testing (bottom-up methodology). Confidential due to review Bank s progress for termination of MRA s.

Confidential, NA

Senior Vice President/Portfolio Management

Responsibilities:

• Recruited to develop portfolio management and enhanced credit procedures for a nationalized community bank with a Confidential Company parent under a regulatory Formal Agreement enforcement order with the Confidential since 2010.
• Bank was subject to a mandatory workforce reduction by its Confidential in anticipation of consolidation.
• Audit oversight for internal Portfolio Credit Risk analyses.

Confidential

Chief Credit Officer

Responsibilities:

• Implemented credit procedures for a Confidential Bank with assets of +/ - $3/4 billion.
• Functions were full spectrum from Confidential Analyses, and Credit Underwriting & Approval.
• Performed quarterly Analyses and Board Reports for Allowance and Loss Reserves, Loan Concentration Limits for both asset class and geography compliance, reviewed and approved new and existing credit underwritings, and performed Bank s Confidential Portfolio Stress Testing (top-down methodology).
• Worked with the Institution s Regulator to update Credit Policies, Procedures, and Credit Risk Analyses.

Confidential

Senior Executive Portfolio Credit Restructuring/Workout Officer

Responsibilities:

• Restructured a $208 million loan portfolio with syndicates for a regional Savings Bank with assets of +/ - $1/2 billion.
• Strategies included note sales, DIL, foreclosure, PG deficiency recovery, and REO disposition management plans.
• Performed global portfolio file review and impairment analyses on criticized loan portfolio and restructured underperforming assets to acceptable repayment terms.
• Assisted in the development of Business Plan capital rebuilding structure.

Confidential

Chief Lending Officer

Responsibilities:

• Developed and implemented growth strategies for New Jersey s fourth largest credit union with assets of $1/2 billon.
• Restructured loan portfolio and increased loan reallocations to reduce prior asset concentrations and bring institution in parity with its Asset Liability Management (ALM) policies.
• Senior Management seat on board meetings. Institution was successfully merged with a Regional Credit Union with no cost to the Confidential Insurance Fund.
• Responsible for developing lending pipeline increase of 200% from $25M in six months with team support and effort. Engineered successful acquisition due diligence of $27 million dollar Nabisco Foods Credit Union.

Confidential

Senior Vice President/Chief Credit/Chief Lending Officer

Responsibilities:

• Successfully increased region s pipeline from $35 million to $332 million and engineered $75 million loan assumption acquisition from affiliates and banks.
• Oversaw warehouse lending backed by receivable inventory.

Confidential

Vice President

Responsibilities:

• Expanded regional commercial real estate mortgage portfolio for a $4.3 billion commercial bank comprised of shopping centers, apartment properties, warehouses, office buildings, and mixed use projects.
• Responsible for expanding initial commercial loan portfolio from $25 million to more than $80 million.
• Functions were full spectrum from business development, to credit analysis, to underwriting, to Officers & Senior Credit Committee presentations and, thereafter, to maintaining file documentation for Confidential review.

Confidential

First Vice President

Responsibilities:

• Increased domestic commercial real estate mortgage portfolio for Confidential banking institution with assets in excess of $2 billion. Bank was subject to economic impact of 9/11/01 in which Confidential were located in 1 Confidential .

Confidential

Vice President

Responsibilities:

• Successfully brought in on time/within budget client's $12 million merger valuation assignment.
• Negotiated business merger valuation " Confidential " assignment for $700 million public company.
• Executed business valuation assignment