Carol Hoff Email and Phone Number

Construction Loan Funding Manager responsible for managing the servicing and disbursements of the bank's CRE portfolio with loans ranging from $2 million to $100 million.Real Estate Administration Manager responsible for managing commerical real estate, construction and homebuilder closings. Management of construction loan montioring and disbursements.Special Assets Loan Workout Officer III - Management and workout of accounts assigned to the department in order to reduce, in a prompt and prudent manner, the bank’s exposure to non-performing and/or adversely graded credits. Maximize cash collections, asset sales, and/or return of credits to the respective line units as fully performing assets that meet the bank’s underwriting criteria and profitability.Real Estate Loan Servicing Manager - Implementation of a construction risk department and team responsible for the management of the bank’s construction loans and disbursement of funds in a manner to ensure compliance with loan agreements, credit policy and protection of the bank’s assets. Formulated all department policies and conducted ongoing training of loan officers in budget preparation and monitoring of construction projects.

Real Estate Operations Manager - Created policies and procedures for monitoring compliance with credit policy and federal regulations. Managed construction risk, loan documentation, closing process and servicing of of the bank’s commercial construction real estate and production builder loans.