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QUALIFICATIONS PROFILE
Seasoned professional offering more than 30 years of accomplishment in banking a
nd real estate finance industry coupled with expertise in portfolio management,
commercial finance, loan underwriting and commercial real estate workouts. Accu
stomed to working with and establishing long-term quality relationships with cus
tomers of diverse cultures to satisfy their needs and provide utmost satisfactio
n. Enjoys challenges, goal-oriented and works efficiently even in stressful situ
ations with dedication to superior service.
CORE STRENGTHS
- Real Estate Risk Assessment
- Commercial Real Estate and Loan Workouts
- Portfolio and Asset Management
- Financial Analysis and Reporting
- Problem Resolution and Decision Making
- Outstanding Customer Service Relations
- Organized with Strong Analytical Abilities
- Time Management and Deadline-Sensitive
- Excellent Oral and Written Communication
- Strong Interpersonal and Presentation Skills
EMPLOYMENT HISTORY
BANK OF THE WEST ~ SAN DIEGO, CA: 2000–2010
Recognized as California's 5th largest bank, offering customers a full range of
personal and business products and services.
Vice President, Real Estate Managed Asset Division 2009–2010
Conceptualized action plans to mitigate problems in commercial real estate loans
totaling in excess of $100M though workout process, which may have included set
tlements, bankruptcy, litigation, and or liquidation of collateral. Identified a
ppropriate credit risk rating and performance classification of assigned portfol
io based on multiple and complex performance factors. Provided bank management w
ith detailed analysis of loan’s strengths and weaknesses. Built and cultivated long-
term quality relationships with legal counsel, receiverships, property managers,
along with leasing and sales brokers.
Notable Accomplishments:
- Proposed innovative recommendations to enhance credit quality
- Instrumental in verifying perfection of collateral, protecting collatera
l integrity, and analyzing subordinate liens
Vice President, Real Estate Industries Division 2000–2009
Originated and monitored interim construction and term loans for professional de
velopers. Consistently monitored a real estate loan portfolio in excess of $100M
. Analyzed business plans, market data and industry trends, financial data and r
ecognize borrower financial needs. Demonstrated strong credit and non-credit pro
duct knowledge and ability to interact with product specialists and various leve
ls of management. Exemplified sound judgment, sales, interpersonal and decision
making skills. Rendered assistance to other team members as appropriate. Fulfil
led additional responsibilities such as portfolio analysis, budget forecasts, an
d the creation of Excel-based underwriting tools.
Notable Accomplishments:
- Underwrote $500M in commercial construction loans to include multi-famil
y apartments, retail / commercial office, biotech, industrial, land and resident
ial tracts
- Recognized as the key contributor for some of the largest and most compl
ex borrowing relationships within the Real Estate Industries Division
- Greatly surpassed annual goals including bank cross-selling objectives,
which resulted in quality loans and fee income
EDUCATION
BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION
- Bryant University, Smithfield, RI
PROFESSIONAL TRAINING
UCLA Extension Classes in Real Estate Finance, Real Estate Appraisal, Legal Aspe
cts of Real Estate,
Real Estate Investment Analysis, Understanding and Negotiating Real Estate Lease
s: 1980–2000
PROFESSIONAL AFFILIATIONS
Member, National Association of Industrial and Office Properties (NAIOP): 2000–2010