Portfolio Management / Asset Management

MICHAEL P. MORAN, SR.

*********@***.*** ~ Phone 760-***-****

Qualifications Profile

Accomplished Financial Professional with solid and progressive experience in various facets of the financial services and banking industry. Consistently promoted to financial leadership roles due to stellar business service and finance expertise. Proven success in surpassing targets, streamlining financial processes, introducing process improvements, and implementing technology solutions. Additional core competencies include:

Project Manager & Coordinator Client Relationship Management

Asset Management & Portfolio Management Financial Services & Banking

Financial Reporting & Cash Flow Management Compliance & Risk Management

Construction Loan Compliance & Analysis Construction Loan Risk Management

Loan Management & Workouts Financial Analysis & Accounting

Banking-FDIC & Credit Unions-NCUA Aggressive Turnaround Management

Team Leadership & Revenue Growth Staff Supervision & Training

Professional Background

COMMERCIAL LOAN BROKER 7/20 to Present

Commercial Loan Officer

Originate, analyze, process, underwrite Commercial Real Estate and Construction Loans.

Loan types included Multi-Family, retail, office, self-storage, mixed use, and mobile home parks.

Perform detailed cost and financial analysis of all loans.

Cultivated positive and enduring relationships for commercial, multi-family, construction loans.

PROVIDENT BANK 7/18 to 7/20

VP Commercial Loan Officer

Originate, analyze, process, underwrite Commercial Real Estate and Construction Loans.

Loan types included Multi-Family, retail, office, self-storage, mixed use, and mobile home parks.

Performed detail cost and financial analysis of all loans.

Cultivated positive and enduring relationships for commercial, multi-family, construction loans.

COLDWELL BANKER REAL ESTATE 3/17 to 7/18

Real Estate Sales Agent

Market for clients to help them buy and/or sell real estate

Analyze industry data to implement strategic plan

FINANCIAL PARTNERS CREDIT UNION 3/15 – 3/17

Commercial Loan Officer

Originated Commercial Real Estate Loans through networking and business relationships.

Commercial Real Estate loans include multi-family, retail, office, mixed use and industrial.

Underwrote and analyzed Commercial Real Estate Loans.

ARROWHEAD CREDIT UNION 5/11 –3/15

Commercial Loan Portfolio Manager

Managed $82M Portfolio of Commercial Loans of all types (70% Watch List or worse Risk Rating)

Design Reports for upper Management and Regulators

Interviewed, Hired and Trained Commercial Department Staff

Managed delinquencies down from over 20% to less than %

Cease & Desist Order lifted

FARMERS INSURANCE 3/10 to 5/11

Agent

Generated revenue from the sale of insurance products.

Agent carries two insurance licenses as agent/broker.

CALIFORNIA BANK & TRUST (Merged with Alliance Bank) 3/09 to 3/10

VP, Asset Manager

Maintained full responsibility for a troubled loan portfolio for a bank with over $10B in assets.

Led efforts to analyze and mitigate risk while significantly reducing potential losses.

Championed efforts to negotiate, workout, mitigate, and analyze complex assets.

ALLIANCE BANK 8/06 to 3/09

VP, Relationship Manager / Asset Manager

Directed construction loan portfolio management responsibilities within a bank with $1.1B in assets and work out troubled loan portfolio.

PROVIDENT BANK 4/02 to 8/06

Sr. Commercial Loan Officer

Originated and underwrote, Commercial Real Estate and Construction Loans.

Loan types included Multi-Family, retail, office, self-storage, mixed use, and mobile home parks.

Performed Cost and Financial analysis of all loans that were presented to the loan committee.

Funded over $200M in loans and collected loan fees in excess of $2.6M.

Cultivated positive and enduring builder relationships for land acquisition and development, speculative and pre-sale properties, commercial and multi-family, and construction loans.

Managed commercial loan operations within a bank with $1.3B in assets and 11 branches.

AYSO

Coach Administrator

Recruit, Train, Certify, create spread sheets - Coaches to appropriate skill levels – 135 + Teams

Education & Credentials

NMLS License #1773414

Real Estate Salesperson License #02035374

Palomar College – Studies in Criminology & Accounting

Professional Development: Underwriting & Sales Training; Financial Analysis; Tax Analysis

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