Real Estate Management

Robert L. Mesner

*** **** ***** ******, **** **3

Falls Church, VA 22046

Mobile: 571-***-****

Email: *******@***.***

SUMMARY STATEMENT

Experienced in commercial real estate credit risk management, underwriting,

policy and procedure development, approval, portfolio management,

valuation, investment and market analysis, negotiation, structuring,

compliance, and consulting. Demonstrated management, leadership, training,

coaching, and entrepreneurial skills. Proven ability to function in a team

environment, independently, and cross-functionally. Master of Science in

Business with major in Real Estate and Urban Land Economics. Bachelor of

Business Administration with majors in Finance and Accounting.

Technological literacy.

PROFESSIONAL EXPERIENCE

Freddie Mac

Director of Credit Policy / June, 2009 - Present

8100 Jones Branch Drive

McLean, VA 22102

. Develop and implement credit policy for $100 billion multifamily

portfolio of 9,000 loans with cross-functional coordination with credit

risk management, production, underwriting, operations, and regulators

(FHFA and US Treasury)

. Hire, train, and manage credit policy team of seven developers, analysts,

and administrative staff

. Develop and implement Basel II compliant commercial real estate credit

and underwriting policies and processes

. Participate in design and development of risk rating policy and computer

underwriting database system

. Design, develop, and implement internal procedures for credit policy

department, processes for inter-departmental integration, and processes

for identification, prioritization, coordination, and implementation of

new products and policies

Mesner Real Estate

Credit Risk Management and Commercial Real Estate Consultant / September,

2008 - June, 2009

502 West Broad Street

Falls Church, VA 22046

. Comprehensive credit risk management for residential and commercial real

estate, commercial and industrial, and trade finance portfolios -

including credit approval, structure, underwriting, portfolio management,

workout, and policy

. Chief Credit Officer - including coordination of OCC / FDIC regulatory

and external loan review visits and responses

. Hire, train, and manage credit risk management, underwriting,

administration, and operations team to generate and present reports

including Allowance for Loans, Leases, and Losses; Criticized Asset;

Foreign Exposure; and Compliance

. Provide underwriting, due diligence, valuation / appraisal review, market

/ investment / feasibility analyses, and leadership

. Real Estate acquisition, development, construction, rehabilitation,

repositioning, financing, and portfolio management

US Bank

Regional Credit Officer - Vice President / October, 2006 - September, 2008

1650 Tysons Boulevard

McLean, VA 22102

. Review, analyze, negotiate, structure, and make project and entity level

investment approval decisions for all commercial real estate property

type acquisition, development, construction or term debt, CMBS permanent

debt, equity facilities, syndicated credits, derivatives, secured and

unsecured lines of credit, subscription facilities, funds, and borrowing

bases

. Responsible for comprehensive credit risk management and training of nine

geographically dispersed commercial real estate offices for 75 business

development, underwriting, loan administration, and special assets

associates for the East and Mid-East US Regions - approval, portfolio

management, special assets / workout, compliance, and SOX certification

. $75 million signature approval authority with responsibility for a $4

billion portfolio

. Develop and implement Basel II compliant commercial real estate credit

and underwriting policies and processes

. Liaise with and coordinate responses to OCC regulators and internal loan

review officers

. Review, analyze, structure, and decision credit risk management requests

for risk ratings, borrower and guarantor ratings and exposure limits,

annual reviews, compliance, special asset management, and portfolio

credit risk management

Fannie Mae

Senior Credit Risk Manager / May, 2004 - October, 2006

3900 Wisconsin Avenue, NW

Washington, DC 20016

. Review, analyze, negotiate, structure, and make project and entity level

investment financing approval decisions with $10 million signature

approval authority for commercial real estate debt and equity facilities,

syndicated credits, lines of credit, and borrowing bases to financial

institutions, developers, and public / private partners in $3 billion

national portfolio

. Responsible for investment decisions for property, portfolio, counter-

party, and senior debt, mezzanine, equity, and syndication/participation

of for-sale and rental multi-family and single-family project

acquisition, development, and construction; condominium conversion; and

rehabilitation projects via national retail and wholesale investment

platforms

. Develop and implement Basel II compliant risk rating program and credit

and underwriting policies and procedures

. Develop and provide credit and underwriting training for underwriting,

credit, and business development associates

. Review, analyze, structure, and make credit risk management decisions for

counterparty exposure limits, risk rating recommendations, compliance

management, special asset management, and portfolio credit risk

management

. Perform site visits nationally to analyze real estate markets,

underwritten properties, project analyses, and sponsors

. Participate in design and implementation of RiskNet counterparty,

portfolio, and risk management data base system

Bank of America

Regional Commercial Real Estate Underwriting Manager - Vice President /

March, 1998 - May, 2004

100 Southeast Second Street

Miami, FL 33131-2100

. Manage, train, and coach regional commercial real estate underwriting

team of ten in geographically dispersed locations

. Identify client needs, underwrite, structure, review, prepare, and

present project approval packages, negotiate legal documents, close, and

syndicate commercial real estate debt and equity facilities up to $300

million in $2 billion portfolio

. Provide market, financial, and investment analyses of commercial real

estate projects/clients for retail, industrial, office, emphasizing

acquisition, development, and construction of single-family and multi-

family for-sale and rental investments

. Analyze, present, and decision counterparty financial, portfolio and

special asset management, and risk rating analyses

. Liaise with and provide compliance support to OCC regulators and internal

loan review officers

. Cross-sell derivatives, treasury management, CMBS permanent financing,

and other bank products

. Design and utilize financial models to calculate project yields and

feasibility

. Develop, implement, and coordinate regional relationship underwriting

program

. Advance underwriting and credit process and policy redesign via Order

Fulfillment and Risk Rating committees

. Develop, implement, and deliver Sponsorship Financial Analysis, Income

Tax Analysis, Cash Flow Analysis, and Basel Risk Rating Scoring training

and coaching across franchise

Mesner Valuation Service

Real Estate Appraiser - Principal / September, 1980 - March, 1998

1401 Glacier Hill Drive

Madison, WI 53704-8490

. Residential and commercial property appraisal, review appraisal, and ad

valorem valuation

. Provide market analysis, financial analysis, and feasibility consulting

services

. Hire, manage, train, and coach a technical and support staff of four in

geographically dispersed locations

. Business development - market services, negotiate and procure contracts,

source, cultivate, and service clientele

. Develop and implement strategic goals, budgets, entrepreneurial

opportunities, and allocate capital

. Prepare and present reports to clientele and governmental agencies

Westland Savings Bank

Real Estate Loan Department Manager - Vice President / September, 1975 -

September, 1980

110 West Veterans Avenue

Tomah, Wisconsin 54660

Originate, structure, underwrite, negotiate, make approval decisions,

close, and service consumer and commercial loans

. Real estate appraisal and review appraisal of residential and commercial

real estate properties

. Develop and implement risk management policies, procedures, and

strategies

. Hire, manage, train, and coach a lending and appraisal staff of ten in

geographically dispersed locations

. Develop strategic goals, budgets, and manage resources to achieve

associated strategic goals

COMMUNITY SERVICE

City of Falls Church / Arlington County Circuit Court - Board of

Equalization Chairman (Real Estate Assessment)

Dane County - Real Estate Condemnation Commissioner (Eminent Domain)

Carriage Hill Estates Homeowner Association - President

Venetia Condominium Association - Treasurer

Broadway Condominium Association - Treasurer

Western Wisconsin Technical College - Instructor of Business Courses

University of Wisconsin-Madison - Tutor of Business Courses

City of Tomah - Recreation Park Committee Member and Water-Sewer

Commissioner

Wisconsin Savings and Loan League - Lending Committee Member

United States Jaycees - Trainer, Recruiters Hall of Fame, Senator, Advisor,

Institute Chairman, Selection Committee

EDUCATIONAL EXPERIENCE

University of Wisconsin-Madison - Master of Science Degree in Business -

Real Estate and Urban Land Economics Major

University of Wisconsin-Whitewater - Bachelor of Business Administration

Degree - Finance and Accounting Majors

Appraisal Institute - Residential Property Valuation (Course 101), Applied

Residential Property Valuation (Course 102),

Income Property Valuation (Course 201), Standards of Professional Appraisal

Practice Seminar, Narrative Report Seminar

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