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Real Estate Manager

Location:
Redwood City, California, United States
Posted:
January 25, 2018

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ROBERT W. ROGERS

NMLS #*******

*** ****** *****

Redwood City, CA 94065

650-***-**** Home

650-***-**** Cell

Email ac36nx@r.postjobfree.com

Objective Highly motivated and experienced banker: committed to delivering top quality service seeking a challenging, self-directed managerial or administrative position in a company that values motivated and innovative individuals.

Core Competencies

Accomplished banking executive with significant knowledge and experience in all facets of commercial banking including; business development, all areas/types of credit facilities, bank operations, problem loan work-outs, negotiation and management.

Professional focusing on developing and maintaining profitable business banking relationships.

Proven skill in organizing and managing a territory/area for maximum efficiency and profitability.

Demonstrated credit analysis skills and the ability to make appropriate decisions within guidelines and customer expectations.

Established track record of responsibility for managing complex projects.

Effective staff management in an ever-changing corporate environment.

Excellent presentation skills: clear and professional manner.

Conceptual talent for seeing “the big picture”, pinpointing an organizational objective, and setting goals and priorities to achieve it.

Experience

2016 – Present Gateway Bank FSB

Consultant/Acting Chief Credit Officer/Chief Lending Officer

Provides leadership and direction for credit administration and credit management of the Bank. Responsible for development, implementation and administration of policy, procedures and business goals.

2009 – 2016 United American Bank

Senior Vice President

Solicit, review, develop, recommend and service, a wide variety of complex secured and unsecured credit facilities.

PRIMARY DUTIES:

Analyze complex personal and business financial statements and tax returns.

The analysis includes collateral valuation as well as credit evaluations.

Represent the department in negotiating, structuring and/or restructure and pricing of complex commercial loan opportunities. Prepares written loan proposals for approval and answers questions from members of senior management and/or the Board of Directors pertaining to a particular credit opportunity.

Ensure that all assigned credit requests are granted within the Bank's lending criteria and conform to all regulatory requirements.

Ensure that all loan covenants are met, periodically monitors the contents of loan files and monitors the financial condition and/or collateral of the borrower to be sure that conditions and values have not deteriorated.

2008 - 2009 San Francisco Founders Group, LLC dba First National Commerce Bank (Proposed)

Senior Vice President Founder/Organizer for First National Commerce Bank (Proposed)

Raising start-up/initial capital for a Denovo Bank.

2007- 2008 Summit Bank

Vice President Chief Credit Administrator

Reporting to the President and responsible for planning, organizing, directing and controlling the Bank’s lending and other activities for a four branch system.

Responsible for the Bank’s overall loan portfolio and its administration, including problem loans.

Monitors lending activities to ensure that applicable Bank lending policies and practices are followed and that new loans acquired provide maximum profitability to the Bank with a minimum loss.

Represents the Bank to various regulatory and professional agencies, other financial organizations, trade associations and external public meetings and functions.

2005 - 2007 Pacific Coast Bankers' Bank

Vice President Senior Loan Officer

Solicit, review, develop, recommend and service, the purchase and sales of a wide variety of complex secured and unsecured credit facilities.

PRIMARY DUTIES:

Analyze complex personal and business financial statements and tax returns. Prepare

Credit Presentations for review by the Chief Credit Officer, Senior Management and

Members of the Loan Committee. The analysis includes collateral valuation as well as

Credit evaluations.

Represent the department in negotiating, structuring and pricing complex commercial loan opportunities. Prepares written loan proposals for approval and answers questions from members of senior management and/or the Board of Directors pertaining to a particular credit opportunity.

Ensure that all assigned credit requests are granted within the Bank's lending criteria and conform to all regulatory requirements.

Ensure that all loan covenants are met, periodically monitors the contents of loan files and monitors the financial condition and/or collateral of the borrower to be sure that conditions and values have not deteriorated. Top producer each year.

2004 - 2005 Trans Pacific National Bank

Senior Vice President Commercial Lending & Branch Manager

Performed all administrative, business development, personnel, and budget responsibilities while improving the profitability and overall performance of the branch.

2002 - 2004 Luther Burbank Savings

Vice President Senior Lending Officer Palo Alto

Generated Real Estate loans and performed all administrative, business development, personnel, and budget responsibilities while improving the profitability and overall performance for this Real Estate loan office.

Managed complex real estate credit transactions, analyzed borrower’s financial statements and operating statements, analyses of cash flow, reviewed market trends, appraisals, negotiated loan terms and conditions, developed and underwrote all types of single family, multi- family, commercial real estate construction loans, reviewed loan documents and handled the closing process, performed property inspections, participated in new business development activities.

1994 - 2002 First Bank & Trust (formerly Redwood Bank)

Vice President Commercial Lending & Branch Manager San Mateo

Performed all administrative, business development, personnel, and budget responsibilities while improving the profitability and overall performance of the branch.

Managed complex credit transactions, analyzed borrower’s financial statements and operating statements, analyses of cash flow, reviewed market trends, appraisals, negotiated loan terms and conditions, developed and underwrote all types of commercial business loans, commercial real estate construction loans, reviewed loan documents and handled the closing process, performed property inspections, participated in new business development activities. Made presentations to Senior Loan Committee.

Since 1994, the branch went from the worst performing office in the Redwood Bank system to number one in deposits and number two in total commercial loans.

1991 - 1994 Fremont Bank

Area Manager Redwood City Loan Production Office

In 1993 opened new LPO including site analysis, lease negotiation, coordination of furnishings, communication and computer systems and hiring personnel. Produced earning assets in all types of commercial business loans, commercial real estate, real estate construction, single family, multi-family/apartment, subdivision construction, and SBA 504 loans. Office was profitable in second month of operation.

Managed Credit Support Services department and purchased and installed an automated loan documentation system for the bank.

Senior Loan Underwriter, managing a staff of four, approving subordinates’ loans.

1989 - 1991 Banking Consultant Bank of Central Asia Indonesia

Working within the cultural and traditional values of a foreign country; evaluated the credit and operations functions of the bank and established standards for uniformity, productivity. Worked with Mr. Renaldo Barros, who held the master-consulting contract with the Bank of Central Asia.

1987 - 1989 Bank of the West

Vice President & Team Leader - Corporate Banking Group

Credit Analysis, portfolio management, and business development responsibilities.

($2MM average loan size) Managed sales and lending activities of subordinate credit officers. Personally developed $13.4MM in new credit.

1985 - 1987 Barclays Bank (now Wells Fargo Bank)

Vice President - Commercial Lending

Manager of the Commercial Banking Group with responsibilities for credit analysis and business development of credit and non-credit banking services in the middle market. Top producer in Northern California Commercial Loan Group.

1980 - 1985 Union Bank of California (formerly Union Bank)

Vice President Commercial Lending

Business development of credit and non-credit banking services in the middle market area, credit analysis and portfolio management in major regional office.

Vice President & Manager

Administration, business development, credit and personnel management of the Los Altos and Fremont offices, concurrently. Managed downsizing of staff and relocation of large credit facilities during major reorganization.

Education

University of California. Berkeley California

Graduated with a Bachelor of Science degree, School of Business Administration emphasis in Finance and Organizational Behavior and Industrial Relations.

Pacific Coast Banking School

University of Washington, Seattle Washington

Graduate of the Commercial Class

Ongoing Education

Studies in career related courses at the college level including:

Principles Real Estate, Real Estate Valuations, Real Estate Practice, Legal Aspects of Real Estate, Real Estate Finance, Real Estate Appraisal, Real Estate Exchange & Taxation, Commercial Real Estate Investment, Urban Land Economics, Real Estate Economics, Legal Environment Business, Real Estate Property Management

Computer technology classes at the college level including:

Microsoft Windows, Microsoft Word, Microsoft Excel, Microsoft Access, Microsoft PowerPoint, Microsoft Office and ACT

Sales and other seminars including:

Omega Sales Training, Omega Credit Analysis, Xerox Professional Sales Training I and II, Buker tax return analysis and various other banking sales and credit seminars.

Community Service:

Served for the past nine years as Chairman of the Finance Committee and Treasurer on the Board of Directors for Stanbridge Academy; a non-profit (501 (c) (3)) school specializing in the education of developmentally and socially challenged children from elementary thru high school.



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