Real Estate Construction

Pablo M. Rivera

203-***-**** . ********@*****.***

CFO/Senior Finance Officer

Take-charge, entrepreneurial CFO, with robust and diverse experience

in commercial real estate, nonprofit, and financial services arenas.

Negotiated and managed complex financial transactions in the U.S. and Latin

America of up to $700M. Developed and led commercial development projects,

including property acquisition and project development; managed

construction loan portfolios; and renegotiated, restructured, and

liquidated loans and real estate assets. Reputation for working effectively

with all stakeholders, including third-party consultants, to achieve

desired results. Extensive global travel experience in South America,

Central America, Canada, Russia, Africa, and Europe. Fluent in Spanish.

Demonstrate broad-based strengths and accomplishments in:

Capital Acquisition . Real Estate Acquisition & Disposal . Property

Management . Team Leadership

Real Estate Valuation . Real Estate Market Research . Loans & Loan Workouts

. Operations Management

Project Management Professional (PMP) . Six Sigma DMAIC Lean Green Belt .

Financial Modeling & Analysis

Career Highlights

. Raised more than $1B in capital through JV, private equity

partnerships, lender group participation, securitizations, and private

placement. Projects included real estate acquisitions, company

acquisitions, timeshare company mergers, and commodity-related

acquisitions

. Acquired and developed over $2.5B & 10 million sq. ft. in real

estate, including industrial, oil terminal, hospitality, timeshare,

medical, assisted living, condo, golf course, luxury residential, and

commercial tenant properties.

. Planned and negotiated mergers and acquisitions in varied industries,

including commodity trading & logistics and commercial, industrial,

medical, and luxury residential. Consistently achieved above industry

average ROIs.

Experience

YOUTH WITH A MISSION (YWAM) & UNIVERSITY OF THE NATIONS 07/2012 - Present

YWAM is the largest missionary organization in the world with 1,500

locations and 20,000 staff worldwide. U of N is an educational institution

providing bachelor and master degree programs and vocational training.

CFO, Headquarters - Took on temporary position to oversee financial

operations, restructure debt levels, accelerate fundraising, manage real

estate development, and lead financial planning, forecasting, and

budgeting.

. Restructured and completed failed/incomplete construction

projects, involving value re-engineering and hiring of new contractors.

Raised $8M in capital and $10M in volunteer labor and materials for

construction projects involving 100,000 sq. ft. of classroom,

dormitory, cafeteria, and movie production space with value at greater

than $25M.

. Secured and managed acquisitions, including 128 unit, 24

building moderate income housing acquired from the state of Hawaii at

cost of assumption land lease terms; renovated and repositioned as

staff and moderate income housing.

. Negotiated terms of 123 unit 40,000 sq. ft. assisted living

facility and conversion from rental to condo-style ownership; acquired

100 room 26,000 square foot nonperforming hotel and repositioned as

dorm and meeting space.

. Secured capital, successfully raising $30M for real estate

acquisitions, power generation project, debt restructuring, and new

construction projects through private capital placement, lending

groups, and donor funding.

. Supervise Accounting/Finance Department of 20 direct reports,

30 department heads, 15-member construction/campus-development team,

and spending of 600 staff members.

. Consolidated and restructured $7M in debt with more favorable

rates. Saved $3M through a 2% reduction in interest rates. Paid down

additional $6M in construction and private debt through disposition of

noncore assets.

. Created debt-management plan for paying down entire debt within

10 years versus current 20-year amortization. Designed early pay-down

plan with no cost to the university and an expected $4M savings.

. Manage $25M annual budget; created annual budgets, 5- and 10-

year financial projections, finance-management metrics, and spending

policies and procedures. Reduced operating costs 30% by

streamlining/centralizing purchasing, renegotiating vendor contracts,

and leveraging campus-wide purchasing power.

. Initiated cost-cutting energy projects using alternative energy

and efficiency measures. Directing $5M five-year campus-wide

alternative power project which will achieve $15M in savings during the

next 30 years. Structured funding by donors and investors for project

that will transfer to university ownership after five years.

. Serve as member of board of trustees and chairman of finance

committee; prepared quarterly and annual reports for board of trustees

and founder.

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Pablo M. Rivera

203-***-**** . ********@*****.***

TEXTRON FINANCIAL CORPORATION 06/2007 - 03/2012

Commercial finance company providing financing programs for products

manufactured by the parent company, commercial loans for hospitality and

leisure industries, and portfolio management for previously originated

receivables.

Vice President: Resort Finance Division (09/09 - 03/12) - Selected by EVP

of Textron Financial for assignment following decision to divest company

of noncore business divisions.

Financial Modeling & Debt Restructuring:

. Worked with private equity firms to sell participation in asset

pools for real estate assets and consumer notes. Partnered with private

equity groups to convert nonperforming timeshare and hospitality assets

into performing timeshare and reflagged properties. Converted $750M in

nonperforming timeshare assets into $3B of potential equity.

. Improved loan monitoring by developing new loan-servicing risk

models that detected adjustments needed for $50M+ in consumer loan

modifications; trained staff on use.

. Created complex financial models for projecting debt

restructuring and bankruptcy scenarios, including testing debtor-

provided assumptions and scenarios.

. Hired bankruptcy counsel, expert witnesses, and consultants and

maintained relationships with lenders.

. Played key role in restructuring $2B timeshare developer debt

across four major lending groups.

Risk Management, Asset Disposal, & Debt Conversion:

. Added $36M in additional construction loan pay downs by

discovering $360M in unreported sales.

. Increased lender leverage and reduced bankruptcy liability

through audits that uncovered $350M in unpledged assets.

. Disposed of hotel/timeshare/land assets at 95% debt average and

sold $500M high-risk assets below reserve levels.

. Avoided bankruptcy of $2B timeshare company and played pivotal

role in debt restructuring through intense audits, due diligence, and

continual discovery of negotiation points.

Assistant Vice President, Construction: Resort Finance Division (06/07 -

09/09) - Managed and expanded division; focused on complex financial

transactions in Latin America and U.S. for timeshare, hotel,

condominiums, golf courses, and marinas.

New Business Development:

. Developed cash flow models to project underwriting scenarios,

performed due diligence and underwriting for closing construction

loans, and presented new deals to credit committees for final approval.

. Played key role on team that increased construction loan

portfolio from $200M to $2B.

Process Improvement:

. Created and executed innovative concept for monitoring projects

and managing property, including risk-assessment procedures for asset

inspections; trained in-house personnel on procedures.

. Achieved 100% record for project completion by developing

financial models that tracked construction budgets and progress and

detected early potential financial windfalls.

Asset Management, Property Acquisition, and Capital Funding:

. Managed $2B construction loan portfolio and relationships

within Mexico portfolio.

. Acquired assets, including purchase of $500M in nonperforming

commercial, hospitality, medical assisted living, golf, and timeshare

assets and repositioned for value/equity.

. Raised over $750M in Joint Venture and participation/lender

group funding.

. Assisted senior management with loan workouts for projects in

default and/or foreclosure, managed property inspections on collateral

properties, and approved funding packages for construction draws.

. Monitored construction projects' progress and performance;

maintained regular communications with borrowers, contractors, and

third-party consultants and made site visits.

GENESIS HOME DEVELOPMENT, LLC 07/2004 - 06/2007

Managing Partner - Developed and managed luxury residential, commercial,

and subdivision projects. Handled accounting, financial reporting, and

P&L management. Sold assets and closed company in 2007.

. Raised $15M+ in private equity for real estate projects;

structured financial arrangements for land acquisition and development

and negotiated bank lending terms and construction draws.

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Pablo M. Rivera

203-***-**** . ********@*****.***

GENESIS HOME DEVELOPMENT, LLC continued

. Hired subcontractors, ensured deadlines were met, oversaw

quality control, kept costs within budgetary constraints, and ensured

compliance with zoning, environmental, conservation, and building

regulations.

. Managed $5M residential subdivision, $15M luxury home, and $8M

commercial condominium development projects.

GLENCORE LTD 05/1999 - 06/2004

Operations Manager, Latin America (05/01 - 06/04) - Promoted to build and

manage oil-trading operations in Latin America.

. Managed logistics for four million BBLs of oil products

monthly, operations for two oil terminals, and a gasoline distribution

center in Panama in addition to overseeing Nicaraguan and Guatemalan

gasoline companies. Directed representatives and daily operations of

offices throughout Central and South America.

. Instrumental in identifying, funding, and acquiring potential

strategic acquisitions, including due diligence, valuations,

negotiations, and closings.

. Negotiated purchase and sale of oil products and shipping,

insurance, blending, storage, and inspection costs.

. Minimized downsize market risk by creating financial models for

hedging oil products and models for projecting sales, as well as

shipping needs and targets, so that excess storage capacity could be

rented.

Structured Finance/Credit Special Projects (05/99 - 05/01) -

Developed financial modeling for new-asset development and corporate

mergers and acquisitions. Presented recommendations to senior management

and acted as onsite lead for due diligence.

. Structured financial arrangements and assisted with lending

negotiation for acquisition of $50M oil terminal, $25M U.S. aluminum

smelter, $150M Jamaican aluminum producer, $45M Caribbean power plant

joint venture, $15M Guatemalan oil terminal acquisition/development,

and $20M Nicaraguan gasoline company and distribution joint venture.

. Developed credit policies/procedures and performed due

diligence on potential Latin American trading partners.

Education

YALE UNIVERSITY, New Haven, CT

BS, Economics & Electrical Engineering, 1999

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