SUMMARY:

Real Estate Banking Professional with 30+ years of experience encompassing credit underwriting and risk management in the areas of owner - occupied and investor commercial real estate acquisition financing, commercial real estate and residential subdivision construction financing, credit risk and portfolio management, problem real estate loan workout and resolution, and OREO portfolio management and asset disposition.

PROFESSIONAL EXPERIENCE:

Confidential,Sacramento, CA

Senior Manager

• Managerial oversight of an underwriting team and direct responsibility for preparing in-depth credit analyses of the most complex prospect and client loan opportunities and annual financial reviews of existing Real Estate Industries Division clients.
• Underwriting new real estate financing opportunities and managing existing real estate loan portfolio by underwriting maturity extensions, loan modifications, ensuring financial reporting and performance covenant compliance, and meeting critical annual loan review due dates.
• Direct interaction with bank senior management and examiners during the course of periodic internal and external regulatory audits. Issued delegated credit approval authority.

Vice President - REMAD Officer

Responsibilities:

• Responsible for resolution of problem commercial and residential real estate loans through build-out, lease-up, short sale, note sale, settlement, litigation and bankruptcy. Managed property foreclosures through their eventual disposition.
• Crafted strategies and completed resolutions for $400 million in loans representing 55 accounts.
• Active high-level participation in required documentation with involvement of legal counsel and Loan Administration.
• Provided a key interface for auditors and examiners ensuring very favorable regulatory audit results.

Vice President - Senior Relationship Manager

• Relationship management of commercial and residential real estate developer accounts. Responsible for business development, construction and term loan underwriting for commercial and residential development projects and investor income producing properties.
• Annual new loan commitment generation averaged $75 million including ancillary deposit services, loan syndications, and interest rate derivative products.
• Managed a portfolio of the Bank’s high profile real estate developer clientele with real estate loans totaling outstanding commitments of $350 million generating $9.0 million annually in income for the Bank.

Confidential,Sacramento, CA

Vice President Commercial Banking Real Estate Loan Officer

• Responsible for underwriting owner-occupied and investor commercial real estate loans specific to commercial office, industrial, retail and multi-family property types ranging in project size up to $10 million.
• Provided commercial real estate guidance to Relationship Managers, Line Officers, and clients respective to the Bank’s Commercial Real Estate Lending Programs, Policies and Procedures.
• Responsible for the management and servicing oversight for an assigned portfolio of investor commercial real estate loans.

Confidential,Sacramento, CA

Vice President - Credit Administration Manager/Chief Credit Officer

• Served as the Chief Credit Officer for First Union Small Business Capital Lending Division nationwide, overseeing all credit policy, underwriting and credit risk management efforts specific to loan generation under the US Small Business Administration 7a and 504 loan programs.
• Responsible for overall management of a Credit Administration department comprised of 55 credit personnel segmented to include functional areas of credit risk review, portfolio analysis, commercial appraisal, underwriting, and credit policy development. Acted as the primary resource, both internally and externally, for issues related to credit policy compliance and credit approvals utilizing a $5 million delegated lending authority level. Actively participated in new credit product development for the division. Member of the Division Senior Leadership Team.

Confidential,Sacramento, CA

Vice President - District Credit Manager

• Responsible for direct management of a staff of 10 business development personnel and 15 credit personnel for a region that generated loans under the US Small Business Administration 7a and 504 programs. Annual loan volume averaged approximately $110 million derived from business activity in California, Nevada, Arizona, and Colorado markets. Coordinated marketing efforts of entire business development staff including preparing marketing budgets and implementation of corporate approved marketed plans. Assisted business development staff with loan pricing proposals and credit structure issues. Managed and monitored the credit and loan documentation staff to meet established productivity objectives. Reviewed all credit approvals for compliance with the company’s and US Small Business Administration loan policies. Delegated credit authority level was $1 million. Active member of the Division Leadership Committee responsible for developing new product lines, indentifying and executing entry into new markets, and constructing annual strategic plans and operating budgets. Continually developed and maintained relationships with the regional US Small Business Administration offices and key personnel in markets served by the business development staff.

Confidential,Davis, CA

Business Manager

• Managed sales, accounting and administrative functions of wholesale vendor providing specialized hardware systems and software applications to meet the technical needs of civil engineering and architectural design companies located throughout northern California.

Confidential,Woodland, CA

Assistant Vice President - Commercial Lending Officer

• Responsible for business development of deposit and credit accounts, underwriting of commercial and industrial loans, and loan portfolio management activities.

Confidential,San Jose, CA

Commercial Lending Officer

• Originated, underwrote, and managed consumer and commercial credit accounts. Performed credit analysis on all installment and revolving commercial and retail credit facilities. Responsible for monitoring the Bank’s compliance with regulatory consumer lending policies.

Confidential,Palo Alto, CA

Financial Services Officer

• Marketed retail loan products and services and commercial credit products at the branch level. Designed and implemented credit collection procedures for delinquent line of credit and bank card accounts. Trained branch staff on new credit and investment products. Completed Confidential ’s Credit Training Program.