Manager Construction

Julian Dean O'Bannon

**** ******** **., **********, **, 75007 * *****@*******.*** * 972-762-

4847

Special Assets Officer / Vice President - Asset Resolution Manager

Financial services professional with sixteen years of banking/mortgage

experience able to leverage knowledge and skills in strategic initiative

execution, team leadership, and providing superior customer service.

Expertise in negotiating short sales, deposition of loans, and ensuring

adherence to company and government guidelines. Previously held position as

Lead Collateral Underwriter/Production Coordinator, partnering with loan

officers, and directly supporting the Vice President.

Core Competencies:

. New business development

. Regulatory compliance

. P & L accountability

. Cost reduction and budgeting efficiencies/cost analysis

. Problem identification and resolution

Career Accomplishments

. Appointed to the President's Club for four consecutive years.

. Engineered the Seattle OTC team to national ranking for production of

custom residential construction loans.

Professional Experience

East West Bank/Washington 1st International Bank, Seattle, WA 5/2010

- 8/2010

Special Assets Officer:

. Evaluated, initiated, and completed various processes regarding the

final disposition of custom construction loans within a portfolio

identified as high risk to the bank.

. Monitored the property through status inspections, title updates,

appraisals, and brokered price opinions, and communicated with

borrowers regarding delinquent interest, property taxes, and

insurance.

. Negotiated options such as short sales, short payoffs, construction

loan restructuring, deed in lieu, refinancing, and foreclosure and

assisted in the liquidation of REO properties.

FIRST HORIZON HOME LOANS, Bothell, WA 5/1998 - 2/2010

Vice President/ Asset Resolution Manager: (2008-Present)

. Evaluated, initiated, and completed various processes regarding the

final disposition of custom construction loans within a portfolio

valued at $80,000,000.00+ identified as high risk to the bank.

. Monitored the property through status inspections, title updates,

appraisals, and brokered price opinions, and communicated with

borrowers regarding delinquent interest, property taxes, and

insurance.

. Negotiated options such as short sales, short payoffs, construction

loan restructuring, deed in lieu, refinancing, and foreclosure.

Vice President/ One Time Close Manager: (2004-2008)

. Managed the Seattle custom residential construction loan office.

. Supervised the collateral underwriting of construction loans,

overseeing and managing the construction portfolio in excess of

$205,000,000.00 in commitments and $110,000,000.00 in outstanding

funds.

. Marketed the residential construction program within the Puget Sound

Region including loan officer training builder seminars, and broker

seminars.

. Completed annual reviews for the production unit.

. Completed yearly budgeting forecasts for the Seattle cost center,

ensuring adherence to the policies and procedures set forth for the

construction program.

. Assisted the SVP as needed regarding efficiency upgrading and program

enhancements to better track and implement the construction lending

program and practices as demand and compliance mandated.

. Reviewed loan and mortgage reports pertaining to loan account balances

and overall loan collateral performance to ensure program adherence

and compliance.

Lead Collateral Underwriter/Production Coordinator: (2000-2004)

. Worked within a team of collateral underwriters in processing

construction loans on the production side and prepared the loans for

closing ranging from $50,000.00 to $4,000,000.00 in size.

. Partnered with loan officers to conduct educational seminars regarding

the construction program. Assisted customers with the construction

loan process via conference calls.

. Directly supported the Vice President in the development of the

collateral underwriting process with worksheet design, creation and

updating of policies and procedures, and continuing improvement

strategies.

Draw Specialist: (1998-2000)

. Maintained Construction draw files.

. Routine maintenance included periodic status inspections, title report

ordering, fund transfers, construction loan information setup,

insurance verification, documentation gathering, and loan

modification.

GEICO FEDERAL CREDIT UNION, Dallas, TX 10/1997 - 5/1998

Branch Manager: (1997-1998)

Responsible for daily banking operations including teller transactions,

loan origination, ATM balancing and maintenance, and branch deposits and

balancing.

NATIONSBANK, Garland, TX 5/1993 - 10/1997

Teller/Teller Supervisor/Teller Manager: (1993-1997)

Handled daily teller functions and gradually was promoted and delegated

responsibilities that included branch security liaison, ATM liaison,

currency ordering, cash dispenser balancing and loading, daily mail

services, deposit review, BSA reporting, associate reviews, weekly employee

scheduling, teller audits, and overall branch cash balancing and limit

adherence.

Education

University of Texas at Dallas 1999

BA Economics and Finance

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