Staff Supervisor Estate Appraiser

T OM G . K A T S I G I A N N I S

Banking and financial services executive with the perspective to address complex issues with pragmatic solutions. Critical thinker with core competencies in credit, valuation, underwriting, servicing and portfolio administration roles. Effective communicator, negotiator and presenter with the presence and character to engage different audiences. Portfolio manager with the ability to effect both performance and risk exposure at the deal and relationship levels. Assertive litigation manager with experience in collections, out-of-court workouts, foreclosures and bankruptcies. Medallion Financial Corp., New York, NY Dec 17–Present Asset Recovery Manager

Lead the Asset Recovery & Collections Department in the restructuring of a $528MM taxi medallion loan portfolio in the New York City, Boston, Chicago, and Newark NJ, markets impacted by Uber, Lyft and Covid-19.

~ Initiated a portfolio-wide litigation initiative across multi-state jurisdictions to enforce creditor rights, effect the recovery of collateral, and pursue the collection of unsecured debt. Developed strategic perspectives to address different credit risk trends. Introduced new recovery methods suited to a unique collateral class in a niche lending market. Instituted new reporting guidelines to improve servicing timelines and to further refine internal policies, procedures and perceptions.

Recruited new litigation firms in each sub-market to produce more than $250MM in money judgments.

Achieved annual recoveries exceeding $24MM from levies, garnishments, settlements, and public auctions. Two River Community Bank, Westfield, NJ Sept 08–June 17 Loan Workout Manager

Directed the loss mitigation and workout efforts on an $800MM commercial loan portfolio. Managed all collection, foreclosure and bankruptcy activities, and the associated reporting functions.

~ Supervised Construction Loan Workouts through completion. Defined the critical terms of Settlements, Forbearance Agreements, Deeds-In-Lieu of Foreclosure, and Loan Sales. Assigned and supervised the management, rehabilitation, and marketing of all OREO assets to approved contractors and agents. Authored and implemented the review processes for all third-party reports including appraisal, environmental and engineering for the purpose of mitigating potential new loan risk.

Realized recoveries surpassing 93% of appraised value on commercial loans collateralized by real estate.

Reduced the bank’s Non-Performing Asset Ratio from 2.89% to 0.19%, even as the portfolio grew by 48%. Centerline Capital Group, Jersey City, NJ Aug 05-Dec 07 Portfolio Manager

Served as the Special Asset Manager on a $300MM multifamily loan portfolio of watch-list assets as servicer for Fannie Mae. Administered the special servicing on a $150MM syndicated portfolio of criticized & classified affordable housing construction loans.

~ Managed all borrower and agency relationships and expectations. Structured and initiated plans to reposition problem assets through debt restructure or reissue. Worked with Asset Managers in the field to facilitate solutions to concerns identified by construction inspections and portfolio surveillance efforts. Resolved critical servicing issues including catastrophic insurance losses, missed stabilization goals, loan defaults and enforcement actions.

Monitored and reported the quarterly financial performance on over 250 affordable multifamily properties.

Reduced risk-rated loans by $30MM year-over-year by promoting principal pay-downs and pay-offs. TOM G. KATSIGIANNIS PAGE 2

NW Financial Group LLC, Jersey City, NJ Feb 01-Aug 05 Underwriter

Prepared portfolio re-engineering plans for Project-Based Section-8 apartment buildings in HUD’s Mark-to-Market

(M2M) Program on a national level, with an emphasis on the New York City Market.

~ Coordinated restructuring efforts with owners, municipalities and Housing Authorities. Held resident and community meetings to introduce stakeholders to the social and economic benefits of the program. Secured all the third-party project deliverables from accountants, attorneys, appraisers and engineers. Developed and presented underwriting proposals which addressed the directives of financial and physical soundness to HUD’s Office of Affordable Housing Preservation for approval.

Refinanced over 60 non-performing FHA loans with $210MM in new senior and subordinate debt.

Earned over $400M annually in billable revenue for the firm under a consulting contract with HUD. New Jersey Institute of Technology, Newark, NJ

Bachelor of Science, Industrial Administration

Appraisal Institute

Completed all the course work toward the MAI designation Rutgers University – Cook College, New Brunswick, NJ Various courses in Real Property Tax Administration, Environmental Compliance and GIS Mapping Continuing Professional Education

Selected courses through the American Institute of Banking and the CCIM Institute New Jersey State Certified General Real Estate Appraiser Loan operations, l oan l osses, or al and written skills, loan sales, risk management, ALLL, allowance for loan loss, cr edit renewals, collections and servicing management, vendor management, legal and regulatory affairs, credit policies, credit administration, governance and monitoring, non-performing assets, loan loss reserve, watch list, criticized and cl assified, risk r ating, write down, charge off, loan servicing, special servicing, impairment analysis, r egulatory guidance, environmental compliance, regulatory compliance, appraisal review, appraisal management, default loan management, asset management, impaired asset management, process management, team leader, collaborator, public speaker, presenter, customer service, financial analysis, project management, portfolio management, underwriter, negotiation, loan review, portfolio monitoring, loan closing due diligence, loan committee, credit approval, l ending policies, non-performing loans, annual r evi ews, employee evaluation, financial r eporting, regulatory r eporting, interpersonal skills, r egulatory requirements, loan decision, l oan structuring, financial modeling, loan approval, asset sale portfolio surveillance, construction management, staff supervisor, operations management, l eadership, budgeting, forecasting, legal dr afti ng, account reconciliation management, contract negotiation, supervisory experience, lending practices, l oan monitoring, FASB 114, collateral evaluation, business management, receivership, non-accr ual, collections, formal credit training, assignment for the benefit of creditors, process fl ow development, relationship management, team leadership, resource management, policy management, credit approval, cr edit administration, cr edi t oversight, cr edi t review, performance monitoring, complex loans, high profile l oans, DSCR, distressed assets, pipeline management, compromise in settlement, quarterly review, annual review, litigation case l oad

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