Roy Malone

Roy Malone Email and Phone Number

Banking | FinTech | Real Estate | web3 | Endurance Athlete @ Herzer Financial Services, Inc.
Roy Malone's Location
Greater Sacramento, United States, United States
About Roy Malone

After 20+ years in finance, I still enjoy leading and building teams to solve challenges in the financial services and real estate sectors. As technology evolves and changes the way we operate, new workflows and processes can be devised to obtain efficiencies. My past experience has been focused on finding solutions to inefficient markets through technology and process change.Things are moving fast. FinTech, blockchain, reduced regulation, big data, and AI are all conspiring to change the financial services sector. Incumbents are looking to remain relevant, marketplace upstarts are working to change everything. In the middle, partnerships are being formed and new opportunities created. I enjoy the challenge of finding the solutions.

Roy Malone's Current Company Details
Herzer Financial Services, Inc.

Herzer Financial Services, Inc.

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Banking | FinTech | Real Estate | web3 | Endurance Athlete
Roy Malone Work Experience Details
  • Herzer Financial Services, Inc.
    President
    Herzer Financial Services, Inc. Sep 2023 - Present
    Sacramento, California, Us
    Herzer Financial offers construction real estate loans for borrowers and investors in California. We manage two private debt funds to provide fast decisions and creative financing. Over seven decades, Herzer's earned a reputation for unsurpassed service and expertise in helping borrowers leverage real estate holdings with efficient and flexible private money loan options.
  • North East Ventures, Llc
    Principal
    North East Ventures, Llc Oct 2015 - Present
    Managing and sourcing investments in alternative assets. Real estate, venture, finance, crypto.
  • Cretelligent
    Board Member
    Cretelligent Oct 2019 - Dec 2022
    Gold River, California, Us
    CREtelligent provides property information, decision analytics and due diligence solutions to the commercial real estate eco-system. Utilizing patent-pending decisioning logic for environmental pre-screening (EnviroScreen FLASH), first to market CRE ordering, status and delivery platform (RADIUS), and intelligent field network management, eScreenLogic allows CRE brokers, banks, credit unions, and non-bank lenders to collapse the transaction cycle time, reduce costs, improve the borrower experience – all while minimizing risk and liability.
  • Golden Pacific Bank
    President | Board Member
    Golden Pacific Bank Feb 2008 - May 2015
    Golden Pacific Bank is an OCC chartered bank and Golden Pacific Bancorp is a Federal Bank holding company (Golden Pacific Bank was purchased by SoFi in 2022)I was a member of the executive team that raised capital, wrote the business plan and obtained regulatory approval to acquire an existing national bank. During my time as a board member, and as Bank and Holding Company President, I focused on optimizing the bank's balance sheet, cleaning up a legacy portfolio and developing innovative ways to create a more efficient institution- most notably, driving the initiative to develop a small business lending product called SmartBiz. We partnered with a Silicon Valley technology company to co-create an online SBA application which utilized automated underwriting for quick decisions, reducing SBA processing times by greater than 75%. www.smartbizloans.com.
  • Epic Capital
    President
    Epic Capital Apr 2007 - May 2010
    Founded and managed a real estate lending company in Folsom, California. Before being recruited to help start Golden Pacific Bank, the company consisted of seven lenders and operations staff focused on obtaining needed capital for real estate transactions.
  • Umpqua Bank
    Svp
    Umpqua Bank Jun 2006 - Nov 2006
    Portland, Oregon, Us
    Managed the transition during the acquisition of Western Sierra Bank by Umpqua Bank. Was responsible for leading the residential construction division for the Western Region.
  • Western Sierra Bank
    Senior Vice President
    Western Sierra Bank Jun 1995 - Jun 2006
    Responsible for the direction and performance of the division that handled all residential and construction financing. During my time at Western Sierra, the bank grew organically and through seven bank acquisitions from $50 MM in assets to $1.3 B and became publicly traded on the NASDAQ. I owned the division's P/L responsibility before it was acquired by Umpqua Holdings (Umpqua Bank) in June 2006.

Roy Malone Skills

Banking Investments Leadership Loans Executive Management Management Risk Management Mergers And Acquisitions Adventure Travel Credit Strategic Planning Portfolio Management Credit Analysis Commercial Lending Entrepreneurship Budgets Mergers Mortgage Lending

Roy Malone Education Details

  • California State University-Sacramento
    California State University-Sacramento
    Business- Real Estate And Land Use
  • University Of Nicosia
    University Of Nicosia
    Blockchain
  • University Of California, Davis
    University Of California, Davis
    Pre-Medical Undergraduate Study

Frequently Asked Questions about Roy Malone

What company does Roy Malone work for?

Roy Malone works for Herzer Financial Services, Inc.

What is Roy Malone's role at the current company?

Roy Malone's current role is Banking | FinTech | Real Estate | web3 | Endurance Athlete.

What is Roy Malone's email address?

Roy Malone's email address is ro****@****bal.net

What is Roy Malone's direct phone number?

Roy Malone's direct phone number is +191621*****

What schools did Roy Malone attend?

Roy Malone attended California State University-Sacramento, University Of Nicosia, University Of California, Davis.

What are some of Roy Malone's interests?

Roy Malone has interest in Real Estate Finance And Investing, Adventure Racing, Coaching Lacrosse, All Things Entrepreneurial.

What skills is Roy Malone known for?

Roy Malone has skills like Banking, Investments, Leadership, Loans, Executive Management, Management, Risk Management, Mergers And Acquisitions, Adventure Travel, Credit, Strategic Planning, Portfolio Management.

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