Real Estate Manager

GREGORY A. MANASSA

**** ***** **********, #***

HIGHLANDS RANCH, COLORADO 80126

TELEPHONE: 719-***-****

MOBILE: 719-***-****

********@*****.***

QUALIFICATIONS SUMMARY

. Dynamic banking executive with superior leadership abilities, strong

communication skills and a proven track record in credit risk

management.

. Mastered knowledge of banking regulations and their direct/indirect

impact on loan portfolio quality, rating and performance.

. Thorough understanding of risk management including implementation and

application of prudent underwriting methodologies, loan

structuring/profitability analysis (risk vs. return), impact on bank's

global asset/liability management factors, interest-rate risk profiles

and loan category concentrations.

. Successful completion of several graduate-level financial and

investment certification/licensing programs including a bank sponsored

18-month formal credit-training program emphasizing business cash flow

analysis, collateral evaluation, credit structuring and risk pricing.

PERFORMANCE HIGHLIGHTS

. Spearheaded the filing, organization, capitalization and subsequent

approval of two state-chartered, FDIC insured community banks.

Directed the creation and implementation of all regulatory required

credit and operational policies, procedures and internal controls.

. Demonstrated success in the administration of bank operations &

development of quality credit portfolios resulting in multiple

positive bank examination reports by federal and state regulatory

authorities.

. Chair: Officer Loan Committee; Voting Member: Board Loan Committee;

Voting Member: Asset Liability Committee.

PROFESSIONAL EXPERIENCE

Credit Administration

. Proactively served as primary point of contact with all regulating

agencies. Reviewed and provided commentary feedback on all onsite

regulator examination reports and recommendations. Maintained

frequent communication with regulatory field offices in efforts to

keep abreast of interpretations and possible changes in state/federal

compliance issues.

. Authoritative understanding and knowledge of credit risk processes,

credit analysis, risk rating, risk management policies and risk

management organizational structures.

. Actively supervised credit negotiations, structuring and approval of a

wide range of commercial lending facilities including

corporate/entrepreneurial financing, commercial/residential real

estate, securities lending, and project specific financing.

. Designed and implemented commercial credit risk analytics and

reporting dashboards for driving strategic, credit policy, financial

planning, portfolio management, and allowance for loan loss

discussions

. Experienced in a solutions-oriented environment, particularly leading

credit portfolio assessment, credit process redesign initiatives,

streamlining underwriting accuracy and the credit approval process.

Continuing objective is better alignment of banking team execution and

successful product delivery to client.

. Supervised administration of the bank's loan portfolio including

accuracy of credit pipeline reporting (underwriting, documentation,

and closing), approval, documentation/financial exception reporting

and annual credit reviews/renewals.

. Senior responsibility for providing support and direction in the

origination and periodic review of bank wide credit policy, procedures

and underwriting standards.

. Attended conferences, seminars and workshops to keep abreast of

industry-wide credit issues, innovations in "best practices" of credit

risk management and emerging regulatory developments.

Credit Supervision

. Recognized for possessing the ability to partner with lenders in

effectively negotiating sensitive and complex business transactions

with an emphasis in achieving high levels of client satisfaction,

retention and business referrals.

. Through dynamic lender communication, work diligently to ensure the

integrity of credit policies, systems/processes and identifying

lending patterns contrary to, or deviating from, bank policies and

strategic business plans.

. Work closely with lenders in the periodic sampling and performance

review of existing portfolio credits in an effort to quickly identify

and mitigate credit delinquencies.

Business Development Support

. Provided focused direction and administration of lending programs and

services provided by the bank with the expectation of securing maximum

profits commensurate with the best interest of shareholders,

customers, employees, and the business community.

. Actively fostered a mission-based partnership alliance with

management, lending officers and marketing staff to develop, execute,

enhance and maintain client acquisition and retention programs.

. Directed lending teams in the development of internal (client) and

external (prospect) lead sources by soliciting to, and networking

through, those key centers of influence in the business community.

EMPLOYMENT HISTORY

2006-2009 President - De Novo Bank GulfShore Bank,

Tampa, Florida

2005-2006 President - De Novo Bank First Bank of

the Palm Beaches, West Palm Beach, FL

2004-2005 EVP, Chief Credit Officer First Bank of

Jacksonville, Jacksonville, FL

1999-2001 SVP & Regional Manager SunTrust Bank, Naples,

FL

1994-1998 SVP & Market Manager Gibraltar Bank, Miami,

FL

EDUCATION

. Bachelor of Science, Business Administration - Florida

State University, Tallahassee, FL

. Graduate of an 18-month MBA-level formal credit training program,

Miami, FL

. Florida Real Estate Institute, Jacksonville, FL

. Commercial Investment Real Estate Institute, Chicago,

IL

LICENSES/DESIGNATIONS

. Licensed Real Estate Broker

. Certified Commercial Investment Member (CCIM)

PROFESSIONAL ASSOCIATIONS

. Chamber of Commerce - Benchmarking Member

. Chamber of Commerce - Leadership Program

. President / CEO Roundtable

. University Affiliation - Board of Fellows

COMMUNITY INVOLVEMENT

. Children's Cancer Center - Board Member & Finance

Committee

. Juvenile Diabetes Foundation (Team Leader)

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