John Terwilliger Email & Phone Number

Provided analysis and advice to client/non profit on real estate debt issues. Project initially included a soft workout strategy that resulted in a reduction of monthly payments. Final strategy is yet to be resolved but will include a permanently restructure of existing debt.Advised and worked with client/non profit on utilities easement issues..

Project for Union Bank of California - Primary responsibilities were to oversee and manage a portfolio of troubled unsecured or secured SBA 7a and 504 small business loans. Processes included negotiating payment and workout plans with delinquent Borrowers to accomplish positive outcome for both Bank and Borrower. Prepared and submitted written workout.

Greater San Diego Area

V.P. Workout Director – Responsible for minimizing bank losses on a $450 million portfolio of nonperforming assets by developing workout plans through investigation of loan history, documentation, client financial capacity, asset status and market condition. Management and tutelage of three asset managers and two analysts. Responsible for creating workout.

Greater San Diego Area

V.P. Area Manager – Responsible (prior to workout role 10/2007) for the start up of the Loan Production Office in San Diego which generated over $400 million in successful loans. Consistently outperform goals set by management in new loan production, customer retention and customer service. Generated $5 million average net revenue per year and consistently.

Greater San Diego Area

Responsible for generating and underwriting $160 million in new commercial and residential construction loans as well as successfully maintaining existing relationships. Generated $1.5 million in average net revenue per year. Awarded the title of SNBD’s “Lender of the Year” in 2003 based on highest new loan production of $70 million in new construction and.