SUMMARY Real Estate Executive (Wharton MBA) with significant financial,

credit and workout expertise, underwriting and insights

gained through working through several major

business/market cycles. Top producer in cross-sell on West

Coast and in commercial real estate ($100MM Citi Club).

Expertise in construction and permanent financing, tax-

exempt bond/low-income housing, joint ventures, structured

finance and owner-occupied properties. Successful and

trusted by a wide group of investors, peers and brokers to

achieve optimal levels of production, satisfaction and

value.

PROFESSIONAL Citigroup Real Estate, San Francisco, CA

2002-2009

EXPERIENCE Vice President - Senior Asset Manager/ Loan Production

Sourced and produced portfolio and FNMA Small DUS

loans encompassing multi-family, owner-occupied,

industrial/warehouse, mini-storage, retail and office.

Extensive clientele list encompassing both direct and mortgage

broker contacts on the West Coast.

. Consistently exceeded production expectations and

awarded Citibank's $100MM Club Member.

. Top cross-seller of bank products on West Coast.

. Spear-headed new marketing strategies and asset

retention initiatives.

. Delivered superior client solutions, products and

services. Identified opportunities to improve bank

products and services.

. Recognized for delivering cross business

opportunities to meet client needs.

. Exceeded regions cross-sell targets. Brought in 25

new relationships and 40 new accounts comprising

$26MM during the past three years.

Cal-Fed (formerly First Nationwide), San Francisco, CA

1992-2002

Asset/Credit Manager-Performing/Non-Performing Portfolio

Group

Responsibilities included credit risk quality, valuations

and market analysis for national and local real estate

portfolios. Requested to join real estate due diligence

team on three major bank acquisitions. Portfolio analysis

involved stress testing, DCR/LTV and NPV analysis.

. Managed a $400MM portfolio of commercial real estate.

. Work-outs involved loan restructuring, foreclosures

and loan sales totaling $100MM.

Security Pacific National Bank, San Francisco, CA

1990-1992

Vice President - Real Estate Loan Restructuring

Successfully restructured, underwrote and negotiated work-

out loans and lines of credit

. Major commercial accounts totaled $200MM and three

significant relationships.

. Outcomes in restructuring saved the bank $20MM.

Citibank, N.A., San Francisco, CA

1984-1990

Senior Account Officer/Assistant Vice President

Originated, negotiated, underwrote and closed construction

loans, loan syndications and participating mortgages

involving multi-family bond deals, industrial, office

structures and single-family residences. Top producer with

new clients.

. Closed $300MM of commercial construction loans the

majority were with new clients.

. Closed $260MM of credit-enhanced, tax-exempt multi-

family bond deals.

. Average loan size ranged from $15MM to $35MM. The

largest deal known as the Fillmore Center consisted

of 1100 apartment units.

. Number one in bringing in new accounts to the San

Francisco office.

Metropolitan Life, Foster City, CA

1980-1983

Associate - Joint Ventures/Acquisitions

Managed, sourced, underwrote and negotiated joint venture

partnerships with Top Tier I developers on the West Coast

involving warehouse, R&D, office and shopping centers.

Participated in construction management, draws and

inspections for each project.

. Negotiated joint ventures totaling $250MM

. Acquired $50MM of commercial properties

. Managed $300MM in investment properties including

office and industrial buildings and shopping centers

. Number one in sourcing new accounts with major

developers

EDUCATION Wharton School, University of Pennsylvania, Philadelphia,

PA

M.B.A., Finance/Accounting, 1980

University of California at Berkeley, Berkeley, CA

M. Architecture, Urban Design, 1978

Amherst College, Amherst, MA

B.A., Art History/Economics, 1974

PROFESSIONAL Licensed California Real Estate Broker

CLUBS University Club, SPUR, Commonwealth Club, BAMA

OTHER SKILLS Advanced Excel, Word & Power Point

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