Jim Stowell Email & Phone Number

Walnut Creek, Ca

• Underwrite and manage CRE and homebuilder loans• Develop and negotiate deal structure• Representative transactions: o $20MM participation in $54MM condominium infill construction A&D and revolver o $13MM participation in $51MM retail construction loan o $7.1MM warehouse acquisition o $8.6MM condominium infill construction revolver

San Francisco, Ca

• Managed a portfolio of unsecured credit facilities to REITS and secured CRE project loans.o Financial statement analysiso Prepared annual and quarterly reviews of borrowerso Underwrote new credit facilities and modifications to existing facilitieso Monitored covenants and unencumbered asset pool

Walnut Creek, Ca

• Obtained approval for $105MM in commercial and CRE loans• Underwrite purchase of term debt of public companies (review of credit agreement, financial statement analysis) and participations in private company C&I and CRE loans• Model cash flows for term debt purchases to determine NPV, IRR and any premium amortization• Representative transactions: o $5MM participation in $35MM revolver to regional car rental companyo $2MM participation (secondary mkt) in $1.5B term facility of cable and telecomm co.o $4MM participation in $9MM revolver to paint & drywall contractoro $5MM participation in $14MM loan on skilled nursing facility

Walnut Creek, Ca

• Led collections in Special Assets in 2011 with $61.4MM total• Managed REO, hired contractors and brokers, conducted foreclosures• Modeled cash flow, negotiated restructure, discounted payoff, sale of collateral or note• Representative transactions:o $16.5MM industrial land; partial collateral sale, 3rd party refinance of remaindero $ 4.4MM mixed use, fully refinanced by 3rd party

San Francisco, Ca

• Obtained approval for $125MM in loans, $112MM construction, managed over $200MM• Discounted cash flow modeling of project and returns to mezzanine and equity• Assessed forecast sales prices, absorption, rents, expenses and occupancy• Developed structure with RM, negotiated final version of loan documents with borrower• Monitored project via site meetings and inspections, review of budget and draws• Representative transactions:o $61.3MM condominium and retail constructiono $51.6MM condominium construction

Walnut Creek, Ca

• Obtained approval for over $274MM in loans, $205MM construction, and managed same• Financial analysis of real estate projects and guarantors, deal structuring, document review, presentation to credit• Representative transactions:o $25.0MM condominium conversiono $26.3MM condominium construction

Oakland, Ca

• Performed financial analysis of borrowers / prospects and guarantors:• Spread financial statements• Analyzed project/borrower cash flow and various ratios• Wrote credit paper, monitored covenant compliance• Ratio analysis of public homebuilders using data from 10-K/10-Q• Reviewed and outlined proposed credit agreements• Assessed planned homebuilding projects (area economy, demographics, absorption)

Walnut Creek, Ca

• Performed financial analysis of borrowers / prospects and guarantors:• Spread financial statements• Analyzed project/borrower cash flow and various ratios• Wrote credit paper, monitored covenant compliance• Forecasted NOI Projected rent, occupancy levels and operating expenses• Spread guarantor tax returns

San Francisco, Ca

• Planned and executed GAAS audits to ensure GAAP compliant financial statements• Primary clients:• Public - Wells Fargo & Co., emphasis on National Home Equity Group• Private - regional leaders in construction contracting, concrete & steel subcontracting and real estate, internet companies and non-bank financial services• Identified and analyzed key processes, designed & conducted tests of internal control• Supervised Associates and managed client relations in the field

Mas, Accountancy

GPA: 3.6/4.0 Hold active California CPA license

Ba, Economics

Major GPA: 3.4/4.0