Manager Real Estate

TIM McNAUGHT

** ***** ****, ********, *** Jersey 07463

Home: 201-***-**** Cell: 917-***-**** ***********@*********.***

SENIOR BANKER – LEISURE, HOTELS AND REAL ESTATE U.S.

Longstanding client relationships REIT Specialist Experienced real estate lender

Superior cross-selling skills Strategic planner Broad corporate lending background

Deep industry knowledge Global business scope Strong analytical skills

Extensive restructuring skills Client Service Focus Excellent loan loss track record

CORE SKILLS AND ACCOMPLISHMENTS

Major contributor in establishing RBS’s U.S. corporate real estate business

Consistently exceeded budget goals with an impeccable loan loss history

Strong analytical, negotiating, and restructuring skills

Superior decision maker with team approach to creative problem solving

“Can do” attitude driven by passion, commitment, hard work, tenacity, and integrity

EMPLOYMENT HISTORY

The Royal Bank of Scotland, (2004 - Present)

Senior Portfolio Manager - 2011- Present

Senior Relationship Manager - 2009 - 2011

Head of Gaming and Gaming Restructuring - 2008 - 2009

Senior Relationship Manager - 2006 - 2008

Relationship Manager - 2004 - 2006

The Royal Bank of Scotland, Stamford, CT

Managing Director – June 2004 - Present

Client manager covering the leisure, hotels, and consumer companies within the United States. $2.0

billion loan portfolio comprised of 14 clients. Manage, structure, and underwrite corporate loans for

leisure, hotels, and consumer companies. Scope includes syndicated transactions, lines of credit, term

loans, and borrowing base facilities ranging from $20 million to $2.5 billion.

Generated $15 million in cross-sell income for fiscal year 2011. No loan losses incurred or assumed for

any loans since department inception in 2004. Subsequently asked to lead the restructuring effort of

RBS’s gaming portfolio. Later accepted a portfolio manager role.

Spearheaded the bank’s entrance into the U.S. REIT market in 2004 with a specialty in leisure and

hotels. Established the existing leisure and hotels portfolio.

Co-author of RBS’s leisure and hotels sector strategy paper.

Author of RBS’s homebuilding sector strategy paper.

Established and maintained strong working relationships with senior management at prominent leisure,

hotels, REITs, gaming, and homebuilding companies in the U.S.

Possess an excellent reputation within the respective industries.

The Bank of Nova Scotia, New York Agency, New York, NY

Director – Loan Officer, January 1997 - May 2004

Originated and underwrote corporate loans for hospitality companies including syndicated transactions,

revolving lines of credit, term loans, borrowing base facilities and construction loans ranging from $20

million to $1 billion.

Managed a hospitality loan portfolio of $450 million comprised of eight clients.

Led team in annual fee income generation during four consecutive years. Generated over $2 million in

annual fee income for 2003-2004.

Developed a business plan recommending that the bank begin lending to the industrial REIT industry.

The Bank of Nova Scotia has since entered this industry.

PNC Bank, National Association, East Brunswick, NJ

Assistant Vice President – Loan Officer, December 1993 - December 1996

Originated and underwrote commercial real estate loans including commercial mortgages and

construction loans ranging from $500 thousand to $10 million.

Managed a real estate portfolio of $25 million consisting of 30 clients.

Mentored and trained junior underwriters.

United Jersey Bank, National Association, Hackensack, NJ

Banking Officer I – Loan Officer, October1990 - December 1993

Established and monitored commercial loans ranging in amounts from $100 thousand to $5 million; led

region in new business and fee income for 1993.

Managed a commercial loan portfolio of $15 million for over 100 clients.

Created a monitoring system for the region for all asset based lines of credit.

Midland Bank and Trust Company, Paramus, NJ

Senior Credit Analyst, June 1988 - October 1990

Assisted department manager in underwriting and closing loan transactions.

Performed collections, trade checks and credit analyses resulting in a promotion to Senior Credit

Analyst within six months.

Created reporting systems to track annual reviews and compliance materials.

EDUCATION

Fordham University, Graduate School of Business, New York, NY

MBA in Finance with a specialization in Corporate Finance, September 1996

Fairleigh Dickinson University, Rutherford, NJ

BS in Marketing with a concentration in Finance, May 1987

Series 7

ADDITIONAL

Event Chairman, Boy Scouts of America, Cub Scout Pack 308, Waldwick, NJ

Co-Chair, Cornerstone, Church of the Nativity, Midland Park, NJ

Coach, St. Luke’s Basketball Program, Ho-Ho-Kus, NJ

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