Real Estate Management

D. Scott Hannah

**** *******

Sylvan Lake, MI ***20

586-***-**** (cell)

248-***-**** (home)

*************@*****.***

OBJECTIVE:

To advise or work directly for a financial institution in commercial portfolio management and / or business development (corporate banking /commercial real estate). My experience and background are ideally suited to impact a financial institutions bottom line in either portfolio management (loss mitigation and asset resolution) or through organic asset generation by identifying and cultivating high quality credit and treasury management relationships.

CAREER SUMMARY:

Twenty years plus of commercial mortgage and corporate banking experience encompassing new business development lending, credit underwriting, performing & non-performing portfolio asset management. Worked with all major property types (owner occupied and investor based), including special asset classes and middle market commercial businesses engaged in manufacturing, retail, wholesale, professional and service related operations.

Interfaced with both traditional and non-traditional capital sources utilizing diverse loan /equity structures. Client and product pipeline management required working closely with investors, business owners, capital sources, CPA’s, attorneys, commercial real estate brokers and various centers of influence.

Special asset portfolio risk management responsibilities included the identification and management of high risk credit relationships and ongoing internal (senior management) and external (regulatory) reporting. Classified asset management included identifying optimal dual path loan workout strategies after conducting forensic credit reviews / audits on complex multi-layered credit relationships, negotiating forbearance agreements and enforcing collection remedies through receiverships / foreclosures / short sales and deeds-in lieu / discounted note sales / ABC’s and A/B note structures and asset disposition exit plans including identifying prospective buyers and structuring loans to facilitate sales. Interfaced regularly with state and federal bank regulators /examiners (OCC / OTS).

Banking experience involved working within a defined loan policy and credit culture to optimize and balance premium asset quality with long term profitable client relationships. Comprehensive experience in commercial mortgage and “C & I” loan underwriting, documentation, loan processing and internal and external loan review compliance. Portfolio management included ongoing risk rating analysis using both “9” and “15” point grading scales.

Performed at a high level as a “lender” and a “collector”, which is integral to understanding how to successfully enhance or build a strong credit culture that ensures ongoing asset quality balanced with liquidity and profitability.

PROFESSIONAL EXPERIENCE:

Water Street Financial Group July, 2011 to present

V.P. & Associate Partner Jan., 2002 – Jan., 2008

Core business focused on commercial capital brokerage and contractor services for financial advisory firms.

Primary contract work with Gateway Asset Management, Waterstone Capital Group & Financial Performance Partners, national financial advisory firms providing custom advisory solutions for investors, financial institutions, legal firms, other advisory firms and regulatory agencies in multiple asset classes. The scope of core services includes asset due diligence & portfolio evaluations, Special Asset Group services (management & liquidation of distressed loans), third party Risk Grade Loan Review and commercial underwriting & property inspection reports.

Conducted on site comprehensive performing and non-performing commercial asset portfolio reviews with a scope encompassing underwriting, loan grading, collateral review and file stacking for investment banking and commercial bank clients. Successfully completed five engagements in an intense high production / high efficiency work environment that required up to 10 - 15 daily relationship reviews.

Flagstar Bank, Troy, MI April, 2010 to July, 2011

VP – Commercial Middle Market Portfolio Manager

Managed a “hybrid” portfolio of performing and non-performing assets encompassing 175 account relationships and nearly $200 million in loan balances (approx $70 million classified). Made significant contributions toward reductions in overall SAG division classified assets and overall portfolio credit quality (4Q 2010 performance resulted in top tier bonus target). SAG classified assets were reduced from approximately $800 million to less than $300 million over an 18 month period with minimal bulk asset / note sales.

Promoted to Vice President / Portfolio Manager in February, 2011 in the newly created Metro Middle Market Banking Group. Responsible for managing a $100 million performing asset portfolio comprised of 75 accounts and new business development. Since that time established a strong pipeline of new business with significant cross sales of new Treasury Management / Deposit relationships for new and existing clients.

Q10 | iCap Michigan, Farmington Hills, MI January 2008 to April 2010

Director, Web site: http://q10capital.com/

Commercial mortgage broker / advisor for national mortgage banking and loan servicing firm. Specialized in sourcing, packaging, placement and closing of construction, permanent, mezzanine and equity facilities with a full range of capital sources, including Wall Street, life insurance companies, banks, credit unions, government agencies and private equity funds.

Clients included investors and developers acquiring or refinancing in Michigan and throughout U.S. Advised lender clients by identifying optimal asset disposition strategies that included the sale of performing and non-performing debt, refinancing options and property sales.

Water Street Financial Group, Novi, MI January 2002 to January 2008

V.P. & Associate Partner

Commercial financing broker engaged in the sourcing, packaging and placement of capital market and bank financing (debt & equity).

First Union Bank, Novi, MI February 2001 to January 2002

Michigan Business Development Officer

Business development focused on marketing commercial loans utilizing the Small Business Administration’s Government backed lending programs in S.E. Michigan.

Republic Bank, Bloomfield, Hills, MI February 1996 to February 2001

Vice President

Commercial real estate and SBA Loan business development and portfolio management. Top producer for Republic Bank, Michigan in 1997.

Key Bank, Toledo, OH March 1995 to February 1996

Vice President

Portfolio management position which required comprehensive internal review & restructuring of the commercial real estate loan portfolio to assess asset quality with the end goal of reducing problem loan relationships and targeting resources towards the quality profitable relationships.

Old Kent Bank, Kalamazoo, MI July 1989 to March 1995

Vice President

Responsibilities within corporate banking group included business development (CRE and C & I) and portfolio management, including oversight of community banking commercial loan activities. For two years, worked almost exclusively on problem asset management which resulted in a significant reduction in classified assets, loan delinquency percentages and loan losses. Voting member of the Bank’s Loan Committee.

First of America Bank, Kalamazoo, MI May 1986 to July 1989

Commercial Loan Rep / Credit Analyst

Prepared formal analytical and documentation reviews in support of commercial loan requests. Participated in commercial loan portfolio due diligence assignments as part of the holding company’s bank acquisition due diligence team. Co-authored the Corporation’s initial commercial real estate loan grading matrix system.

Equitable Financial Services, Grand Rapids, MI May 1985 to May 1986

Registered Representative

Sold life insurance and investment products through financial planning services.

EDUCATION:

BSBA with concentrations in Finance and Accounting

Central Michigan University, Mt. Pleasant, MI

American Bankers Association Graduate School of Commercial Banking

Oklahoma University, 1993 (with distinction)

Mortgage Bankers Association School of Commercial Real Estate Finance

Various continuing professional education courses, seminars & national conferences (MBA Multi-Family / Income Property, etc.)

MISCELLANEOUS:

Excellent written and verbal communication skills

Proficient in Microsoft business software applications

Willing to travel and open to full time employment or independent contractor role

References available upon request

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