GREGORY NELSON

S E N I O R Q U A L I T Y C O N T R O L A N A L Y S T

442-***-****

ad27j3@r.postjobfree.com

San Diego, CA

WORK EXPERIENCE EDUCATION

California Polytechnic State University,

San Luis Obispo, CA

Bachelor of Science (BS) Business

Administration, International Business

University of Southern California,

Los Angeles, CA

Master of Science (MS) Construction

Management, Real Estate Development

STRENGTHS

Understand all aspects of a loan

and private/hard money as a

whole.

Excellent written and verbal

communication skills.

Critical thinking and analysis from

a real estate business perspective.

Team-oriented

SPECIALTIES

Underwriting

Loan Risk Analysis

Credit Technology Reporting

Loan Structure and Cycle

Construction (Rehab) Knowledge

PowerPoint

Title Pro

Excel

DataVerify

Lexis Nexis

Loan Operating Systems: Glass, Encompass

CIVIC Financial Services

Los Angeles

Nov 2020 – Present

(considered “active” until

April 28th)

- Subsidiary of Pacific West

Bank

- $2B in fundings in 2021

- $3B in fundings in 2022

Senior Quality Control Analyst Quality Control Department

• Analyzed loans flagged as risky through an in-depth audit process: audits were either focused on a component aspect alone (such as assets), or the whole loan entirely, considering business strategy, sponsor/borrower analysis, paper trail audit, and third-party risk evaluation.

• Prevented $3-5MM on average per month in business that was too risky, revenue loss in default or bad (“un-sellable”) loans that went against guidelines or had fraud or deceptive activity associated with it.

• Solely Managed an “escalation desk” of reported activity that seemed suspicious for an entire pipeline of almost 500 people (company-wide) at the peak of staffing

(this was maintained until lay-offs in February 2023).

• Created and Managed the UAR (Unusual Activity Report) System that worked in conjunction with Compliance on reporting issues dealing with proven fraud caught on audits.

• Created and managed the auditing process for the component and full analysis of all loans requiring an audit prior to the funding of the loan (a full audit was essentially going through every aspect of an underwritten file after being underwritten and calling out all risk).

• Managed all third-part risk-verification vendors and documentation including BankVOD and Confirmation.com.

Underwriter Underwriting Department

• Responsible for the underwriting of pipeline of in between 30-40 loans per month on average.

• Each loan was typically from $100,000 - $3,000,000 in scope equating to about $5-10M in loans underwritten and funded each month (average loan size/scope equal to $300,000 at about 80% decisioned to funding).

• Responsible for all aspects of the underwriting (un-siloed) and analysis of underwriting documents including title, assets, purchase contracts, entity documentation, state filings, deed recordings, third-party risk reporting, credit reports, legal items, tax and insurance documentation, appraisals, and construction/rehab documentation.

• Ensured all (underwriting) guidelines were met and the risk inherent to each loan was mitigated and conditioned against properly and thoroughly. Red Tower Capital

San Francisco

Sept 2020 – Nov 2020

Underwriting Director Underwriting Department

• Lead the development of underwriting principle and guidelines for a ground-up company of 5 people – loan processor, funding and servicing person, owner/loan originator, and second loan originator/business development person.

• Aside from underwriting, was responsible for retaining and analyzing all appraisals, which loan funding was based primarily off LTV and business model.

• Managed an underwriting pipeline consisting mainly of fix n’ flip, bridge finance, refinance, and marijuana-grow ground-up construction plants. SUMMARY

Expert in loan risk and fraud analysis with 5+ years of experience in the private lending industry combined with a background in commercial construction. Master’s degree in real estate development and construction. Experience working with private lenders in various strategic markets and a broad range of loan products including ground-up construction, fix n’ flip, purchase/bridge finance, and business rental refinance. Able to analyze all aspects of a loan, including loan strategy and overall risk associated with the product. GREGORY NELSON

S E N I O R Q U A L I T Y C O N T R O L A N A L Y S T

442-***-****

ad27j3@r.postjobfree.com

San Diego, CA

Genesis Capital

Los Angeles

May 2018 – Aug 2020

- Subsidiary of Goldman

Sachs

Construction Underwriter Construction Department

• 1 out of 4 of the construction underwriting team who were responsible for overseeing all Ground-up construction and rehab loans.

• Was 1 in 2 personnel responsible for creating all construction underwriting guidelines and fund control draw requirements, alongside the Construction Department underwriting manager.

• Responsible for reviewing all construction materials submitted for construction loans prior to funding, including but not limited to budget, plans, permits, soils report, and general contractor information.

• Conducted construction feasibility studies, understood, and underwrote all construction risk to be mitigated during the underwrite of the loan.

• Coordinated with other departments including sales and credit on identifying underwriting items to be collected and determine feasibility of a project based on Sponsor credibility, construction risk, and Sponsor experience. Other Experience (Non-Banking Related): Please inquire if needed. References available upon request.

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