Management Real Estate

Richard Levine

**** *** ****** ***** #**** Jacksonville Beach, FL 32250

Phone: 904-***-****; Cell: 402-***-****

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

SUMMARY

Institutional Commercial Real Estate Professional with 28 years' experience

in Asset Acquisitions / Dispositions, Portfolio Management, Complex

Collections & Functional Oversight, Financial Analyses, and completing

Complex Transactions across all product or investment types in markets

throughout the Midwest & Southeast. Strong expertise in Investment & Loan

Valuations, Site/Asset Portfolio Acquisitions & Dispositions, Leasing,

Property Management, and Development & Construction or Renovations.

Highly recognized for work in Problem Asset Resolutions/Workouts in Retail,

Multi-Family, Office, Industrial, and Single Family properties. Highly

Proficient in state of the art Automated Systems used to effectively

Analyze Financial Data, Borrower/Principal Investigative Queries, and

Demographic Profiles. Excellent in the Managing teams of Subordinates and

Direct Reporting to Senior Executives and Owners.

PROFESSIONAL EXPERIENCE

The Klotz Companies / Amvestar Capital, LLC 2014 - Present

Director of Acquisitions position primarily focused on identifying and

purchasing B & C multifamily projects through Institutional Investment

Funds. Responsible for building and managing a team of regionally based

agents, building multiple underwritten portfolio tranches for investor

placement. Managed the entire sales cycle from project identification,

underwriting(s), tranche placement & presentation, to approvals, and

closings. Additional responsibilities included assisting in the asset

management of assets not performing to plan, working with banks and

auctioneers in the acquisition of note/portfolio sales, short sales, REO's,

and development / construction of our ground-up projects.

. Met and exceeded minimum level of closings with our Institutional

Funds' requirements.

. Participated in the creation and use of a sophisticated

underwriting spreadsheet which incorporated each projects'

ROE/IRR/Cash-on-cash returns, mark to market justifications, risk

analysis & mitigating remedies, compilations of due diligence

findings, and analysis of highest & best use business plan

forecast.

. Demonstrated advanced level of experience in performing financial

analysis to identify compliance, risks, financial integrity of

project acquisition and management, NPV Least Loss scenarios, and

conformance of a portfolio to the various Investment Fund

agreement(s).

. Utilized Loss Mitigation expertise in assessing risks, market

conditions, graphical trend analysis, and oversight of the Funds

Management role with respect to performing under the Investment

Fund agreement(s).

. Shared wealth of knowledgeable in note sale/bulk/judgment sale

purchases and dispositions including package underwriting,

tranche delineations, packaging, and case documentation to peers

who had yet to enter that business segment

The Federal Deposit Insurance Corporation (FDIC) 2012- 2014

Asset Management Specialist position within the Risk Sharing Asset

Management Department of DRR; responsible for handling oversight,

communications, and compliance of Assuming Institutions (banks) operating

under Shared Loss Agreements; advanced level of institutional and portfolio

asset problem solving; advanced level of experience in preparing

communications & presentations to executive management; advanced level of

experience in independently developing and preparing financial analyses

utilizing MS Office Suite, RTSP, ICE, and custom data reports, managing and

evaluating residential, commercial & commercial real estate loans; and

assessing commercial loan workout strategies.

. Completed assigned banks and projects in Risk Share Asset

Management, including quantifying & qualifying and approving bank

quarterly certifications; identifying and monitoring risks,

evaluating data, and portfolios of loans, initiated and

recommended steps to mitigate risks and/or improve collections;

and completing risk mitigation and analysis on various projects,

and full scope of communications with Assuming Institutions.

. Performed financial analysis to identify compliance, risks,

financial integrity of the bank, and conformance to the Purchase

& Assumption agreement(s) as well as taking steps to ensure that

all were mitigated and properly communicated to senior

management.

. Served as Loss Mitigation Team / RSAM member; attended no less

than 14 onsite bank meetings to ascertain risks, market

conditions, graphical trend analysis, and oversight of the banks

management with respect to performing under the Loss Share

Agreement(s). Drafted and completed Summary Findings, Ratings,

and Recommendations Report.

. Appointed and Served as Chairman to the Delegated Authority

Review Committee for the ECTSO; the committee asserts a higher

level governance approval to special cases such as note sales,

abandonments, and excessive legal / environmental expenses.

. Certified Contract Oversight Manager; necessary in the duties

with outside third party contractors. Attained strong knowledge

base in creating SOW driven CMRP/RAM job requirements, review and

acceptance of all third party work performed, and approval to pay

invoices incurred.

. Supported Management with special projects; monitoring risks

identified by committees on specific other banks portfolios;

Performed market analyses at macro and micro levels and monitored

market conditions.

. Awarded five Gold Stars for excellent performances; leadership &

training of delegated authority classes & use of FACTS platform;

awarded most concerned Acquiring Institution in ECTSO office to

manage and handle; lead seven month Review Audit on highest "burn

rate" institution.

Winn Dixie Stores, Inc.

2008-2012

Real Estate Manager within the Real Estate & Development department

responsible for managing the new store site acquisition program for new

store builds, remodels, relocations, project management & property

management, disposition & sale of select properties, analysis of each and

every sub-market within assigned region, detailed presentation quality

financial analyses and business cases. Advanced level of knowledge in

performing site acquisition functions, including area needs assessments,

identification of target sites, negotiating terms and conditions of sale or

lease, scope of work design and layouts, cost estimations, feasibility,

time line estimations, and approval presentation. Advanced level skill in

negotiating with owner-developers, general and other third parties,

contractors, seeking governmental permitting approvals, and lease / sale

terms and non-compete conditions. Advanced level technical & graphical

expertise in all MS Office Suite of software, MapInfo, Argus, and NFE.

. Developed and implemented short and long-term strategies for my

assigned market; identified ranking capital plan based upon

highest ROI and Capital Pay-back, participated in new store

format and elevation branding, performed retention/disposition

studies to determine whether or not to low performing existing

stores, buildings, and/or land should be culled

. Performed various financial analyses to ensure that proposed

actions made good business sense, coordinated budget formulation

(both revenues and expenses), researched federal state and local

regulations,and other guidance's to ensure proper application

(e.g., pricing scoring, ROI pricing and portfolio leases), and

analyzed problem locations.

. Utilized Project Management techniques to maintain continuity of

the full scope of the real estate process of a new site location

from successful feasibility & acquisition through construction

and certificate of occupancy;

. Served as the primary point of contact to developers, brokers,

owners, attorneys, engineers, architects, contractors, and

planning officials for the assigned region; scheduled Regional

Performance Review Conferences, served as Landlord & leasing

representative on portfolio of owned multi-tenant locations, kept

management apprised of problems and potential problems,

accomplishments, policy recommendations and long-range goals and

objectives established to ensure the efficient and economical

operation of assigned region.

. Served on other special teams to consultant & advise other

departmental team members towards driving corporate & site

missions and visions.

Peoples National Bank 2004-2007

Vice President of Commercial Lending responsible for managing the bank's

relationship with an extensive existing portfolio of commercial real estate

customers with a large financial base and strong asset base. A senior level

contributor focused on Large, Middle, and Small Market Corporate Banking

relationship management. Highly skilled, vastly experienced real estate

relationship manager capable of fully independent activity including

origination, structured, and execution of large, complex real estate

transactions. Responsible for developing revenue growth through generation

of loans, deposits, cross-selling all applicable bank services to existing

customer base, and to identify and solicit bank service to non-customers.

Services include real estate investments, income property, development,

construction loans, small business loans (SBA), agricultural loans, C&I

loans, etc.

. Developed and maintained important client relationships and produced

profitable commercial real estate loan volume; net growth in overall

portfolio of in excess of 18% annually; bank products cross-sell

production exceeded 80% of existing base of customers.

. Qualified prospects and lead in the development of new business

opportunities from those prospects and existing customer base;

underwrote and performed financial analyses; defined and analyzed

market trends to ensure feasibility strength; quantified reputational

and inherent loan risks; managed the full spectrum of the loan

approval process including formal write-up and presentation to loan

committee.

. Monitored, on an ongoing basis, information concerning customer

performance, abilities, collateral valuation and related current

trends to determine that loan remained an acceptable risk; utilized

asset management experience to maintain portfolio delinquencies below

.03% with negligible compliance infractions.

. Ensured proper reporting, documentation, and annual reviews were in

place and timely; maintained ROE loan models to determine current

profitability and/or cross-sell opportunities within a target 25% -

30%+ level.

. Kept abreast of trends, developments and current regulations in the

industry and in local markets and utilized those findings to enhance

the banks knowledge as well as existing and prospective clients

seeking help to enhance their business.

. Attended community and/or industry-specific forums, conferences and/or

meetings in order to broaden relationship network and continually

deepen knowledge of trends, practices, products and competitors.

Commercial Federal Bank 2000-

2004

Vice President/Director of Properties responsible for leadership in the

creation and implementation of short and long term space management

policies across all geographies, in a manner that supports the strategic

initiatives of the bank. Primary functional was to Develop and implement

the Distributed Network Optimization Strategy of New and Expanded Branch

(point of sale) which supported the Corporation's business plan throughout

the Midwest and Mountain States areas of service. Interfaced with multiple

levels of management to identify and prioritized all facility related

initiatives. Developed a three year implementation plan and provided a

financial forecast for occupancy related expenses and capital allocation

for M&A integration, opening, closing, or consolidating real property owned

and leased holdings. Position required strong listening skills, excellent

team development skills, and the ability to oversee and manage a complex

and diverse operating and capital budget while translating unique cultural

principles into concrete physical manifestations of that culture within the

context of growth and prudent fiscal policies.

. Managed the real property portfolio for the Bank and Corporate

properties in 10 state regions. Oversaw and accountable for

signage, asset management, acquisition and disposition of all real

property, vendor contract and lease administration, fixed asset

management and construction project administration.

. Member of the Senior Executive team and participated in developing

Corporate Policy and Procedures for Operational Risk

Administration. Participated in the development and implementation

of the Business Recovery Plans / Business Continuity Plans for the

Corporation.

. Directed all real property integration activities for new bank

acquisitions in Iowa and Colorado from 2000 - 2004.

. Accountable for site selection, budget management, contract

administration and design/construction for new locations with

focused attention on Denver, Colorado. Opened twenty-seven new

locations on time and within budget. Managed a staff of eighteen

including property managers, facility managers, real estate

managers, and administrative individuals (2004 Operating Budget:

$32.6 million).

. Developed and implemented space utilization guidelines, interior

and exterior design standards to achieve a consistent brand

identity in all locations.

. Managed controllable occupancy related expenses within 1% to 3% of

budget from 2000 through 2004.

First Data Corporation 1997- 2000

Director of Risk Management responsible for Collections Platforms within

Shared Products / Portal organization in the company for its client banks.

Accountable for organizing, maintaining, and managing activities to bring

about the successful completion of specific IT project goals and IT

objectives. Ensured that commitments on quality, scope, time, and budget were

met or exceeded utilizing formal project management and quality management

methodologies. Provided leadership over all aspects of assigned IT projects

from the planning phase through deployment into production.

In collaboration with project teams, created and maintained project plans and

schedules including deliverables cross all impacted areas

of assigned projects.

Provided oversight and leadership during project execution to ensure alignment

with project deadlines.

Took ownership for the project process, project deliverables, and

communication frameworks including administration of project collaboration

tools and document repositories.

Provided collections expertise and worked directly with the project sponsors

and key stakeholders on the applicable deliverables.

Tracked and reported project progress to stakeholders and senior management.

Prepared status reports and facilitate project status meetings as defined in

the policy.

Identified risks in conjunction with the project team and stakeholders

subsequently defining mitigation plans and ensuring plans are tracked and the

statuses of the risks are reviewed on a regular basis.

Facilitated impact analysis and estimation of project deliverables across

functional disciplines.

Education

B.S.; Finance & Pre-Law, 1977

Florida State University, Tallahassee, Florida

GPA: 3.4 out of 4.0

A.A.; Accounting, 1974

Miami-Dade Community College, Miami, Florida

GPA: 3.6 out of 4

High School Diploma, 1972

Coral Gables Senior High School, Coral Gables, Florida

Skills

COMPUTER SKILLS

Proficient in all Microsoft Office suite of programs; Federal Gov't -

Sharepoint, ICE, RADR, RTSP / RDVP NFE Peoplesoft; Accounting - SAS,

Peachtree, QuickBooks; Property Management - numerous ASP based products

NOTABLE CAREER ACHIEVEMENTS

SVP/Senior Credit & Compliance Policy Officer: Greatly exceeded

expectations in multiple responsibility levels; Overall Credit Quality &

Approvals, Delegated Approval Limits, Compliance, Internal & External

Audits, Regulatory Examinations, and Acquisition/Dispositional Due

Diligence.

FDIC Asset Management Specialist: Awarded five (5) gold stars for high

achievement; Outstanding handling of a Troubled Acquiring Institution,

Serving Chairperson on Delegated Authority / Note Sale Committee; Certified

Contract Oversight Manager; Technical knowledge in Complex Financial

Instruments

Barnett Bank (BofA) VP/Unit Manager Special Assets Group: Cited by the

OCC and Executive Management for the largest reduction in nonperforming

loans in a single quarter year, Managed team of Special Asset Officers and

related personnel, Responsible for NPA portfolio of no less than a

portfolio of $500MM at any one time.

Director of Technical Collections Platforms: Developed award-winning ASP

Collections Platform solution; Utilized Project Management skill(s) to

create, update, and market to third parties, First Data Corp's various

collection platforms.

Director of Properties; Congratulatory excellence in the Implementation new

branch prototype store and expansion plan in the Denver, CO. MSA; Property

Management; Site Acquisition & Development; Project Management and Delivery

of Premises in turn key completions.

AREAS OF EFFECTIVENESS

Compliance & Financial Analysis: Identification and Analysis of Key Risks,

Risk Management, Credit Analysis, Least Loss Analysis, Audit, Examination

and Enforcement Activities, Consumer Protection Rights, Contract Analysis,

and all aspects of Compliance enforcement.

Lender: Proficient at Acquiring New Customers, Cross-selling Banking

Products, knowledgeable on Complex Credit Transactions, LIHTC's and other

Gov't loan guarantees, Excellent in Portfolio Management

Problem Asset Resolutions: Identification of Impaired Assets, Dispositions,

NPV analysis to Least Lost alternatives, knowledgeable on Complex Credit

Transactions, All products - Residential, Multi-Family, Retail, Office, and

Industrial.

Real Estate: Site Acquisition & Disposition, Property Management, Leases,

Lease Negotiations, Residential (SFR) and Commercial (all segments), Real

Estate Development, Third Party Contracting, Asset Management, Land

Takings, Easements, Zoning / Rezoning Commission Approvals, and Grants

Management: Recruitment & Training of Staff, Team Building, Administration

of Reviews, Conflict Resolution, Direct and Indirect Departmental Project

Coordination

Technical: Utilization of full MS Office Products, Project Management,

MapInfo, Asus, ICE, RADR, RTSP/RDVP

Communication: BOD Agenda's and Packaging, Written & Oral briefings to

Senior Management, Proficient Presentations

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