Mike Pavao
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Mike Pavao Email & Phone Number

SVP - CRE North Team Lead at California Bank of Commerce
Location: Greater Sacramento, United States 7 work roles 1 school
1 work email found @cnb.com LinkedIn matched
✓ Verified August 2026 4 data sources Profile completeness 100%

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Work email m****@cnb.com
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Current company
Role
SVP - CRE North Team Lead
Location
Greater Sacramento, United States
Company size

Who is Mike Pavao? Overview

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Quick answer

Mike Pavao is listed as SVP - CRE North Team Lead at California Bank of Commerce, a with 212 employees, based in Greater Sacramento, United States. AeroLeads shows a work email signal at cnb.com and a matched LinkedIn profile for Mike Pavao.

Mike Pavao previously worked as Senior Vice President at City National Bank and Director / Relationship Manager at Bank Of The West. Mike Pavao holds Bs, Financial Management from California Polytechnic State University-San Luis Obispo.

Company email context

Email format at California Bank of Commerce

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{first}.{last}@cnb.com
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Profile bio

About Mike Pavao

Mike Pavao is a SVP - CRE North Team Lead at California Bank of Commerce. He possess expertise in credit, portfolio management, banking, loans, finance and 10 more skills.

Listed skills include Credit, Portfolio Management, Banking, Loans, and 11 others.

Current workplace

Mike Pavao's current company

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California Bank of Commerce
California Bank Of Commerce
SVP - CRE North Team Lead
Sacramento, CA, US
Employees
212
AeroLeads page
7 roles

Mike Pavao work experience

A career timeline built from the work history available for this profile.

Senior Vice President

Current

San Francisco Bay Area

- Senior Relationship Manager for Bay Area, Sacramento and Pacific Northwest based commercial real estate clients- Provide financing solutions for commercial and residential real estate developers and investors- Focus on construction, bridge, mini-perm, perm, re-position and lines of credit

Mar 2020 - Present

Director / Relationship Manager

San Ramon, Ca

- Provide construction, term, bridge loan and line of credit financing for commercial and residential real estate developers- Manage clients' banking and cash management needs with diversified set of cash management and derivative products- Four time member of President's Club Award for outstanding performance and achievements

May 2012 - Mar 2020

Credit Analyst

San Francisco Bay Area

- Analyzed and approved credit lines for Google’s largest ads customers - Led Google Checkout Credit Team to assess risk and provide solutions for tens of thousands of active merchants in a multi-billion dollar e-commerce merchant acquirer platform- Gathered, organized and analyzed data from multiple sources to produce actionable metrics and improve credit review processes - Developed Credit Policies and Procedures as well as review process that resulted in a 40% reduction in credit losses in first year- Worked with engineering resources to build tools to improve efficiency and accuracy in merchant reviews

Oct 2009 - May 2012

Assistant Vice President - Special Assets

San Francisco Bay Area

- Assessed existing real estate loan exposure and made recommendations to bank management regarding loan loss reserves and impairment of assets resulting in reduction in loan exposure and accurate asset valuation- Analyzed portfolio of loans to recommend best course of action including liquidation of collateral, sales of distressed debt, non-judicial foreclosure or tightly controlled build out scenarios

Jan 2008 - May 2009

Assistant Vice President - Real Estate Construction Loan Officer

Walnut Creek, Ca

- Negotiated, underwrote and closed land development and residential construction loans to various Northern California-based developers- Analyzed proforma project cash flow, market trends, and developer wherewithal to make sound recommendations to the senior management regarding construction loan requests- Managed and expanded customer relationships with an existing portfolio of $75 million in outstanding construction loans

Jan 2005 - Jan 2008

Credit Analyst

Walnut Creek, Ca

- Attended Comerica Bank’s Credit College – a formal credit training program- Monitored credit underwriting for a commercial portfolio of over $300 million in commercial loans - Spread complex financial statements to identify and analyze inconsistencies and relationships between income statement, balance sheet, and cash flow statement - Prepared loan summary and make independent recommendations to management regarding loan structure and appropriate risk rating

Jul 2003 - Jan 2005
Team & coworkers

Colleagues at California Bank of Commerce

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1 education record

Mike Pavao education

FAQ

Frequently asked questions about Mike Pavao

Quick answers generated from the profile data available on this page.

What company does Mike Pavao work for?

Mike Pavao works for California Bank of Commerce.

What is Mike Pavao's role at California Bank of Commerce?

Mike Pavao is listed as SVP - CRE North Team Lead at California Bank of Commerce.

What is Mike Pavao's email address?

AeroLeads has found 1 work email signal at @cnb.com for Mike Pavao at California Bank of Commerce.

Where is Mike Pavao based?

Mike Pavao is based in Greater Sacramento, United States while working with California Bank of Commerce.

What companies has Mike Pavao worked for?

Mike Pavao has worked for California Bank Of Commerce, City National Bank, Bank Of The West, Google, and Comerica Bank.

Who are Mike Pavao's colleagues at California Bank of Commerce?

Mike Pavao's colleagues at California Bank of Commerce include Jessica Cruz, Pacita A. Torreon, Renee Martin, Lauren Mello, and Dan Riley.

How can I contact Mike Pavao?

You can use AeroLeads to view verified contact signals for Mike Pavao at California Bank of Commerce, including work email, phone, and LinkedIn data when available.

What schools did Mike Pavao attend?

Mike Pavao holds Bs, Financial Management from California Polytechnic State University-San Luis Obispo.

What skills is Mike Pavao known for?

Mike Pavao is listed with skills including Credit, Portfolio Management, Banking, Loans, Finance, Credit Analysis, Financial Risk, and Underwriting.

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