Skybo Redevelopment, LLC is a local real estate redevelopment company that helps property owners and improves communities. Through our extensive knowledge of the business, network of resources, and years of expertise, we are able to assist homeowners with a wide variety of real estate problems. We pride ourselves on our reputation for working one-on-one with each customer to handle their individual situations. With the ability to directly purchase homes and make fast & fair offers, we can create an extremely hassle-free transaction.Skybo Redevelopment, LLC is truly committed to helping each individual customer. We focus on fast response, integrity and over-delivering on customer service. By putting the customer’s needs first, whether selling or buying a home, we can help people realize their real estate goals.Our mission is to rejuvenate neighborhoods and increase the standard of living by improving the overall quality of housing for the residents.

Security National Bank ("SNB") is a $800M community bank in Omaha, NE. As the Credit Administration Manager for SNB, I led a team of 18 professionals in Credit, Loan Processing, and Loan Servicing. I was also responsible for the determination and analysis of the Allowance for Loan and Lease Loss and ensuring compliance with the OCC’s supervisory guidance and FASB’s accounting standards. I also prepared reports for the Board of Directors, various credit analytics, financial statement disclosures, and Call Report schedules using Viewpoint, Access, and Excel & Word to ensure that all stakeholders were well informed of the asset quality and portfolio trends.

Residential redevelopment company specializing in foreclosure and auction properties.

Gary Skybo provides business owners an independent assessment of their financial performance and debt capacity. He also prepares presentations to banks for commercial loan Requests for Proposals (“RFP”). Additionally, Skybo fulfills banks outsourcing needs for commercial loan underwriting, loan review, and problem loan management.Skybo can also help facilitate bidding on loan sales and capital investments by: reporting on the aggregate Net Realizable Value (NRV); quantifying the current loss potential; and grading the quality of initial underwriting and portfolio management for bank loan portfolios that include business loans and commercial real estate mortgages.

Responsible for the management of the loan portfolio and credit department. This included working with State and Federal Regulators, reporting to the Board of Directors, developing risk assessments and a compliance management program, improving credit quality, and maintaining profitability in a historically low interest rate environment. Citizens Bank is a privately owned community bank founded in 1904 with $100 million in assets and headquarters in Nashville, Tennessee.

Responsible for the on-going credit risk assessment of Regions Financial Corporation's Commercial & Industrial (C&I) portfolio in the midsouth region. The midsouth includes the eight states of North Carolina, Virginia, Tennessee, Indiana, Illinois, Missouri, Iowa and Kentucky. The C&I portfolio also includes retail/franchises, energy, and public institutional & nonprofit banking. Primary responsibilities also include transactional analysis and control testing to validate prudent credit risk management practices that include assessing risk rating accuracy & timeliness, underwriting quality, and policy compliance.

Rapidly promoted from Banker to Regional Manager then Special Assets Team Leader. As the Regional Manager for Central Ohio, was responsible for all non-performing C&I and Real Estate loans including those managed outside of Special Assets prior to the reorganization into lines of business. Subsequently, as one of four Team Leaders for the Commercial Real Estate line of business, managed $1.2B of mostly development and construction loans in Ohio, Indiana, Kentucky, West Virginia and Pennsylvania by leading five bankers as direct reports and by gaining assistance from bankers outside of Special Assets.

Rapidly promoted while performing in roles with increasing authority including Credit Underwriting Manager, Credit Administration Manager, Commercial Associate Trainer, and Credit Officer. Facilitated loan underwriting by collaborating with lenders, bank management, and borrowers to underwrite loan requests for the commercial lending, large corporate, and commercial real estate departments. Managed loan portfolios as large as $820M while personally approving individual loans as large as $15M and guiding the efforts of as many as 13 credit professionals.

Rapidly promoted through positions of increasing authority and scope. Roles included Senior Field Examiner then Senior Loan Officer in Asset Based Lending and Senior Credit Analyst then Credit Process Manager in Commercial Real Estate.Effectively managed and grew increasingly large commercial real estate and asset based loan portfolios that increased in value from $32M to $47M. Evaluated, underwrote, and sponsored approval of business loan requests for relationships of $1.0M to $15.0M in aggregate exposure. Held individual approval authority for transactions as large as $5M.As Credit Underwriter IV, underwrote and approved business loans for key clients in the Community Banking and Business Banking Markets sponsored by the Business Loan Center of Retail Banking. Drove underwriting and approval by utilizing the Commercial Banking CAP format, credit policies and underwriting standards. Served as the loan center’s primary commercial real estate underwriter.