At the Crescent Group and affiliated company Cornerstone Homes, I manage a team of professionals on all aspects of land development, including land acquisition, entitlement and on-site development. We focus on single-family lot development to supply Cornerstone Homes, an active-adult 55+ builder, as well as develop projects for other 3rd party single-family builders.

• Leading efforts in the Central Virginia market for establishing and building a portfolio of commercial real estate clients, providing expert advice with financial products and services. • Leveraging 18 years of banking experience managing client relationships, plus 5 years of development industry experience to assist clients with financing real estate projects, including land development, multi-family, office, retail, and single-family homebuilding.• BB&T Construction Specialist for Central Virginia, with extensive background and experience in sourcing, underwriting, negotiating, and managing construction and development deals.

General Manager in Land department of top 5 national home builder. Responsible for researching and identifying opportunities for raw land and/or developed lot acquisitions to support the local Richmond home building operation. • Deal structuring and origination, negotiation of land/lot purchase contracts. • Perform real estate valuation and analysis, direct the completion of financial pro-forma and approval process of each deal to ensure they meet company objectives. • Build and cultivate relationships with land developers, other builders, engineers, realtors, government officials, and real estate investors. • Manage land contract compliance and developer relationships, working closely with homebuilding operations managers to ensure compliance with company land policy and financial objectives.

Managing acquisition, development, financing and sales of residential real estate projects. • Underwrote and obtained investment committee approval for $51 million of new development projects, consisting of 500+ single-family lots. Performed feasibility analysis, prepared and presented investment memorandums with financial and market analysis. • Achieved approval rate of 100% for new deals recommended to investment committee. • Developed pipeline of new land deals. Evaluated 30+ land acquisition/development projects totaling $197 million, consisting of 2,800+ lots. Developed Excel financial models to structure deals and estimate returns. Made recommendations for projects to pursue based on projected returns, feasibility, risk profile, and compliance with corporate strategic plan. • Managed all aspects of implementing 5 new projects consisting of 391 lots with a total budget of $35 million, including acquisition, rezoning/entitlements, negotiation of contracts, partnership agreements, bank financing, HOA formation, and on-going monitoring and reporting. • Repositioned an 87-lot project, managing it from bank OREO through all phases of development, including lender workout, litigation, acquisition via foreclosure, mechanics lien resolution, new capital sourcing, financial pro-forma analysis, resolving development issues, and project entitlement. Oversaw on-site construction manager, site contractor, and engineer to complete site development and community water facility. Implemented new marketing strategy and realtor agreements. Led negotiation of 3-party agreement to resolve development issues and cause the liquidation of $2.2 million of bond proceeds to use for project funding. • Orchestrated the procurement of off-site easement agreements from 18 different parcel owners, critically necessary to facilitate the approval of a 7,300’ off-site sanitary sewer extension for a 139-lot residential development.

• Managed relationships of commercial and residential real estate clients with a loan portfolio of up to $100 million. Prepared underwriting analysis, led decision-making process for loan approval, drafted and presented term sheets and proposals to clients/prospects. Devised global cash flow analysis for large, complex builder/developer clients to improve risk assessment and reporting. • Sourced new business through cultivation of existing clients, prospecting, and networking with third party referral sources. • Formulated strategies for managing substandard and non-performing real estate loans, collaborating with legal and credit administration teams. Negotiated complex loan workouts, forbearance/settlement agreements, and led foreclosure/DIL process of non-performing real estate loans during the recession, maximizing recoveries through decisive and sound execution of action plans.

• Managed relationships of commercial and residential real estate clients with a loan portfolio of up to $200+ million, originating transactions of up to $30+ million. Surpassed annual new revenue production goal by an average of 23%. • Generated new revenue for Central Virginia REFS team by expanding presence in outside markets in western and southwestern Virginia, building relationships with local bank leaders and real estate developers and builders in those markets. • Sourced new business through cultivation of existing clients, prospecting, and networking with internal partners and third party referral sources. • Managed the integration of a $100+ million real estate loan portfolio acquired in a merger with SouthTrust Bank. Assessed credit quality and profitability of new accounts, maintained excellent customer service to retain new client relationships and grow the portfolio. • Identified cross-selling opportunities and referred clients and prospects to other lines of business to maximize relationship profitability.

• Managed relationships of C&I clients with a loan and deposit portfolio of $90 million, across all industries with specialization in lending to contractors and real estate investors. • Increased relationship revenue by proactively partnering with other bank lines of business, including wealth management, treasury services, capital markets, investments/brokerage, foreign exchange, insurance, group banking, and retail services. • Earned promotions to Assistant Vice President and Vice President.

• Analyzed financial statements of Bank's commercial customers, prepared credit analysis memos, and participated in training on credit risk analysis, financial transactions, and various Bank products and services. • Promoted to Senior Credit Analyst responsible for supervising bank trainees. • Promoted to Commercial Account Officer. Offered the position within 8 months of 18-24 month training program.