ROBERT M. MOREIRA, JR

**** *** ****** ******, ***** Gables, Florida 33134

Phone: 305-***-**** Email: ad35xw@r.postjobfree.com

COMMERCIAL REAL ESTATE PROFESSIONAL

EXECUTIVE SUMMARY

A proven team and goal oriented seasoned commercial real estate professional with broad and extensive real estate experience, which includes a detailed background of successfully involvement in commercial lending, credit underwriting, investment funds, developments, acquisitions, asset management, international marketing, finance, and dispositions. Executed many of the investments, strategies and company initiatives that completed well over $8 billion in real estate transactions including lending, acquisitions, dispositions and managed real estate assets throughout the United States which included office, retail, multi-family and industrial properties.

CORE COMPETENCIES

Strong organizational, written and verbal skills

Extensive commercial real estate valuation and underwriting experience for all property types.

Excellent access to sourcing new lending opportunities and market information from extensive network

Highly proficient in Budget & Cash Flow Forecasting

Completed Barnett Bank’s Extensive Management Program including credit underwriting

Advanced analytical, financial modeling and quantitative skills

Highly motivated

Comprehensive knowledge of the Real Estate Markets in Southeast, MidAtantic and Midwest

Ability to solve complex problems and deal with a variety of options in varying situations

Excellent customer relations skills with the ability to cross-sell bank products

In-depth knowledge of performing the credit underwriting process, lease analysis, analysis of financial statements, market analysis

Exceptional communicator

Bi-Lingual (Spanish)

RECENT EMPLOYMENT EXPERIENCE

INTERCREDIT BANK, NA 2012 -Present

Senior Vice President Commercial Lending Division / Commercial Real Estate Lending Group Leader

In addition to managing a $278 million loan portfolio, analyzed existing and proposed credit facilities, provide marketing efforts to obtain new loan opportunities through my extensive network of investors, property owners, attorneys, appraisers, accountants and private bankers. Closed on approximately $87,000,000 in new loans in the last two years. Currently, have under Letter of Intent approximately $16,000,000 million. Supervise the overall commercial loan department from staff, the budgeting process, reviewing and issuing all Letters of Intent to final closing of all loans. Assist in high level customer service support, cross sell efforts and performing special projects for the Credit Administration Department and Board. Supervise the preparation of all documentation required for the processing of loans, review current status of existing loans, analyze current portfolio for adjustments, actions on all loans that are maturing or past due and seek loan participations from other lending institutions. Additional responsibilities included the following:

Supervised the credit underwriters in their analysis of the credit, modeling their cash flow analysis, assisted in the financial and market underwriting efforts including industry and company research, memo preparation and assisting in the loan proposal process, including accompanying the Lending Team on customer and prospect calls, and various other sales/customer oriented projects.

Monitor loan portfolio, performed risk adjustments allocations and loan reviews.

Complete all requirements of loan bookings, to include all preparation, review, documentation and filing.

Develop a working knowledge of all customers, businesses, and prospect opportunities.

Responsible for all loan document preparation, including third party document coordination, completion and review.

Collect and review all required collateral information. Review current account status, to include but not limited to, past due accounts and matured notes. In addition, providing appropriate recommendations.

Support the Credit Department in monitoring of on-going basis information concerning customer performance, abilities and industry to determine that loan is an acceptable risk; this consists of, but not limited to, financial information, covenants and insurance tracking, Dual Risk Rating updates, and Administration Loan Status Report update and other commercial scorecard items.

AIM GLOBAL REAL ESTATE ADVISORS, Miami, FL 2010- 2012

Consultant/President

AIM GLOBAL REAL ESTATE ADVISORS a consulting real estate advisory firm with expertise in many facets of the real estate investment industry with client services that included the following:

Situs – Contracted for their lender clients support and process management which included initial sizing support, credit memorandum and asset summary preparation, borrower and sponsor research and analysis, financial analysis including identifying issues with the rent roll, historical statement and budgets, lease testing and abstracting, sell-out modeling and evaluations of repositions strategies, recommended property value.

Met Project – Directly involved in the obtaining the government approvals including site plan, design, and density. In addition, responsible for all financial modeling, financial projections, market analysis and finally involved in the development process including architectural and construction design, overseeing permit process of a mixed-use project, attending all progress meetings of 3.7 million square feet of residential condominiums and apartments, office, retail and parking uses.

Element - Directly involved in the obtaining the government approvals including site plan, design, and density for a 322-condominium project in Atlanta. In addition, responsible for all financial modeling, financial projections, market analysis and involved in the development process including architectural and construction design, overseeing permit process of the project.

Imperial Lakes – On behalf of a local bank managed a REO workout asset with 1,548 residential communities with single-family homes, patio homes and multi-family rentals. The development project included finishing the infrastructure, construction of the residential units and marketing and selling of the units.

Palm Beach, FL – Purchased in foreclosure a 1,200 acre mix-use business park. Contracted to perform the acquisition, due diligence, zoning, bond financing review and to resolve any issues in order to close the transaction. Afterwards, controlled the day-to-day redevelopment of a 1,200-acre mix-use business park on behalf of a foreign German Client (S&K Property Management).

On behalf of an institutional client, the company also provided loan and property portfolio performance workouts, portfolio evaluations, and underwriting and market analysis.

On behalf of a foreign client purchased a National Warehouse Distribution Portfolio- United States - An acquisition of a 22 property industrial portfolio consisting of 5,450,000 square feet at a price of $270,000,000.

FALCON REAL ESTATE INVESTMENT COMPANY, Miami, FL 1992-2010

Senior Vice President/Partner

Investment Director for the Southeast, MidAtlantic and Midwest US-Primarily involved with acquisition, asset management, new investment fund development and development projects on behalf of institutional and high net worth foreign investors for the United States real estate market. As Partner, I was involved in evaluating and guiding all facets of real estate investments for acquisition, development, financing, dispositions, developing specialized tax structures for Non-US residents, workouts, structured joint ventures and private placements. Executed and managed activities that included screening submissions, site inspections, financial and marketing analysis, lease analysis, vendor negotiations, performing due diligence, and negotiating contracts.

Led the acquisition of over $2.5 billion in office, retail, industrial and residential properties throughout the US.

Obtained $650M in financing of commercial properties such as multi-family, office, retail, and industrial using lending sources such as CMBS, Life Companies and Local banks.

Spearheaded a special investment group from the Middle East to develop a new Specialized Investment Fund of $1Billion to invest in commercial real estate opportunities in Latin America and Unites States. In developing the fund traveled throughout Latin America for 3 years meeting with investors, lawyers, property owners, professionals, etc to structure the fund and raise capital.

Supervised the asset management of properties, which involved budgeting, operations, monthly reporting, leasing strategy, market research, construction.

Supervised construction projects.

Supervised development of new real estate funds for HSBC, Qatar Islamic Bank, Chase and Citibank.

Head of JV Development multi-family projects in Miami, Atlanta, New Jersey

Dispositions.

PREVIOUS EMPLOYMENT EXPERIENCE

THE CHASE MANHATTAN BANK, NA, PRIVATE BANKING INTERNATIONAL, Miami, FL 1986-1992

Vice President

Progressed from real estate analyst to Second Vice President the National Appraisal Coordinator and then to Vice President of Acquisitions. My responsibilities throughout my tenure with Chase were the following:

Team Acquisition Leader for the Southeast region of the U.S. including Texas, Seattle, Washington, DC Area and the Midwest

Sourced, Screened and supervised all the acquisition, asset management, and private placement and mezzanine loans.

Involved directly with the analysis, contract negotiations, loan negotiations and the supervision of the due diligence process.

Coordinated all the property appraisals for the Chase Manhattan Real Estate Fund to be used in valuing the unit value for the fund.

Reviewed and evaluated each appraisal based on the third parties assumptions and market value.

Conducted market and financial analysis on each property to determine market value as a comparison to the independent appraisals.

Screened all property submissions.

Sourced investment opportunities.

Established broker, developer and owner relationships.

Conducted financial and market analysis, developed assumptions for cash flow projections, site inspections

Reviewed all leases, vendor contracts, property management contracts.

Coordinated and reviewed all third party inspections.

IRE FINANCIAL CORPORATION, MIAMI, FLORIDA

Real Estate Analyst

Member of two person team accountable for the financial and market analysis of commercial property throughout the United States.

From dealing with sourcing investment, site inspections, negotiations, coordinating due diligence process, lenders and closing.

Managed commercial properties, leased space and supervised construction.

BARNETT BANK OF FLORIDA, MIAMI, FLORIDA

Commercial Loan Officer

Member of two person team accountable for the commercial real estate loan portfolio at their highest volume branch In Miami.

Conducted all analysis and research for the loans, reviewed and handled problem loans and worked on converting them to a performing asset.

Developed new business and maintained client relationships.

Met all loan production goals.

Completed an extensive management program including credit underwriting.

EDUCATION

Master of Business Administration – University of Miami, Coral Gables, FL

Bachelor of Science in Civil Engineering – University of Miami, Coral Gables, FL

AFFILIATIONS

Urban Land Institute International Council of Shopping Centers The Institute of Chartered Financial Analyst International Real Estate Federation (FIABCI-USA) Association of M.B.A. Executives

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