Michael Rose Email & Phone Number

Sacramento, California Area

• Act on commercial loan requests under delegated lending authority.• Voting member of Management Loan Committee.• Prepare quarterly ALLL reporting.• Manage commercial credit analyst teams.• Recommend updates to commercial loan policies.

Dixon, Ca

• Approve loans within assigned lending authority. Oversee the small business credit score and consumer loan products. Develop lending programs and underwriting standards.• Manage a team of five analysts, providing the centralized financial underwriting of new and existing commercial loan transactions, using the Credit Quest loan origination system.• Direct and coordinate staff activities of the department to ensure service quality. Responsible for interviewing, hiring, training, directing, and reviewing employees.

San Diego, Ca

• Approved commercial real estate and commercial business transactions under a $10 million delegated lending authority. Voting member of Management Loan Committee. • Performed credit quality reviews of loan portfolios totaling over $425 million in commitments to proactively identify risks and develop corrective plans.• Positioned and sold a distressed, subdivision development OREO asset. Negotiated the successful resolution of litigation. Managed the property’s $1.0 million annual budget. Marketed the asset to the investment community and recovered over $8.5 million in revenue.

Honolulu, Hi

• Managed the Other Real Estate Owned department (OREO) with a team of four, overseeing the resolution of non-performing, commercial real estate assets in CA and HI. • Completed over $130 million in property and note sales.• Integrated the OREO staff and processes from different departments into a single team.• Created, reviewed, and approved budgets and impairment analyses for the portfolio.

Honolulu, Hi

• Identified commercial real estate acquisition opportunities, performed development feasibility and due diligence, reviewed site entitlements, and negotiated business terms. Property types included residential subdivision, multifamily, office, and industrial.• Managed a residential subdivision development project with a $100 million cost budget, directing all aspects of planning, construction, financing, budgeting, reporting and sales.• Operated as owner’s representative for the joint venture with an institutional investment partner. Monitored and reported on performance against investment and financing hurdles.

Pleasanton, Ca

• Financed regional homebuilders in the San Francisco Bay Area. Monitored project performance and loan covenants to proactively identify and mitigate risk issues.• Supervised credit underwriters and loan administrators on transaction closings, portfolio management and construction monitoring.• Originated new business of over $369 million, with transactions ranging from $2 to $70 million. Property types included residential subdivisions and multifamily condominiums.

Honolulu, Hi

• Launched and managed the Construction Loan Department. Grew the portfolio to $89 million with a pipeline of $43 million. Managed a team of three, overseeing origination, underwriting and monitoring. Created and implemented policies and procedures.• Focused marketing efforts on building a client base of commercial real estate developers with recurring business. Loans ranged from $1 to $20 million.

Honolulu And San Francisco

• Structured and underwrote commercial real estate construction and term loans. • Coordinated loan closings, portfolio management and construction monitoring.• Underwrote over $468 million in loans, with transactions ranging from $5 to $50 million.