Robert Mcconaghy Clc, Clms Email & Phone Number

Temple, Tx, Us

Central Coast, Ca

Update: American Dream to air on HGTV in Spring 2024! Producer and Host of Emmy nominated and 5x Telly Award winning TV show "The American Dream" which is a National TV show, combating negative media with inspiring stories of American Cities vie Real Estate, Lifestyle, and Culture. As seen on CNBC, The CW, NBC, FOX, CBS, and ABC. Also streaming on Apple TV, Amazon Prime, Roku, and 300 other streaming services. Tune in and see why everyone is gravitating towards this uplifting show, highlighting… Show more Update: American Dream to air on HGTV in Spring 2024! Producer and Host of Emmy nominated and 5x Telly Award winning TV show "The American Dream" which is a National TV show, combating negative media with inspiring stories of American Cities vie Real Estate, Lifestyle, and Culture. As seen on CNBC, The CW, NBC, FOX, CBS, and ABC. Also streaming on Apple TV, Amazon Prime, Roku, and 300 other streaming services. Tune in and see why everyone is gravitating towards this uplifting show, highlighting real communities, as they tell their own stories. Show less

Central Coast, Ca

We are the only real estate company here on the Central Coast to Partner with and be endorsed by Tarek El Moussa (HGTV star and Real Estate Investor); working in direct partnership to provide a VIP experience throughout all of our transactions and demonstrate our company’s three pillars of excellence: experience, commitment and massive action. We are a full-service real estate firm with the mission of assisting clients towards achieving their real estate goals through sale and acquisition of… Show more We are the only real estate company here on the Central Coast to Partner with and be endorsed by Tarek El Moussa (HGTV star and Real Estate Investor); working in direct partnership to provide a VIP experience throughout all of our transactions and demonstrate our company’s three pillars of excellence: experience, commitment and massive action. We are a full-service real estate firm with the mission of assisting clients towards achieving their real estate goals through sale and acquisition of residential, commercial and investment real estate. With over 20 years in the real estate industry, our expertise is not only limited to the standard attributes of most real estate agencies; our experience fully encompasses all aspects of the real estate life cycle from acquisition and sales to credit underwriting, appraisal reviews, large scale real estate development, title, 1031 exchanges and specialized expertise in working with short sale and foreclosure properties both from the bank and consumer perspective. If you are buying or selling a residential home or working with investors and developers on the sale or acquisition of a large scale commercial and multi-family properties, we've been there and we've done it; let us use our experience to assist you and offer guidance to help make each transaction a success.Service Area: San Luis Obispo County and Santa Barbara CountyCities: Arroyo Grande, Grover Beach, Oceano, Nipomo, Pismo Beach, Shell Beach, Avila Beach, San Luis Obispo, Santa Margarita, Atascadero, Templeton, Paso Robles, Heritage Ranch, San Miguel and Santa Maria. Show less

San Luis Obispo, California, United States

• Assets consist of five Multi Family properties located in Phoenix, Atlanta and Huston exceeding 1,800 doors and with asset value in excess of $400,000,000.• Review, underwrite and analyze market research• Underwrite potential value-add and core-plus Multi Family opportunities• Identify and secure sites for development• Evaluate sites based on market and site criteria, along with financial analysis to determine viability and profitability of developing site or acquiring… Show more • Assets consist of five Multi Family properties located in Phoenix, Atlanta and Huston exceeding 1,800 doors and with asset value in excess of $400,000,000.• Review, underwrite and analyze market research• Underwrite potential value-add and core-plus Multi Family opportunities• Identify and secure sites for development• Evaluate sites based on market and site criteria, along with financial analysis to determine viability and profitability of developing site or acquiring property• Evaluate investments and investment returns based on discounted cash flows, return on cost, development spreads, and third-party leverage; analysis also includes the impact of value-added opportunities, leverage, tax, and joint venture structures• Create investment proformas including business plans and debt assumptions• Negotiate all business points for acquisition along with required extensions for approval/to secure permits• Interface directly with local officials, community stakeholders, landowners, and legal representatives to coordinate all issues and bring projects to a successful completion• Work with public and private lenders to secure predevelopment, bridge, construction, and permanent financing• Write clear and concise communications and draft Investment Memoranda for presentation to partners and external stakeholders• Maintain external relationships with key market participants, investment sales, leasing brokers, and lenders• Travel to various markets for purposes of deal sourcing, evaluation, relationship building, and gathering market information• Review, manage and implement operational efficiencies for the portfolio Show less

Remote - United States

• Maintain proper legal record keeping of all relevant documents for all loans assigned• Communicate with all obligors, as well as all involved and interested third parties on an assigned loan as the primary contact for the Bank• Assess and analyze problems and causes of problems on loans at time of assignment through making timely business site visitations, interviewing obligors and reviewing loan/legal files• Identify and report to appropriate channels any significant document… Show more • Maintain proper legal record keeping of all relevant documents for all loans assigned• Communicate with all obligors, as well as all involved and interested third parties on an assigned loan as the primary contact for the Bank• Assess and analyze problems and causes of problems on loans at time of assignment through making timely business site visitations, interviewing obligors and reviewing loan/legal files• Identify and report to appropriate channels any significant document discrepancies pertaining to loan and collateral• Collect and analyze relevant information for loan workout, collateral liquidation, and legal actions• Exercise prudent judgment in the care, preservation, and liquidation of collateral• Act and communicate in such manner to minimize liability for the Bank• Recommend and discuss workout and or liquidation strategies to minimize loss to the Bank and to maximize recovery• Initiate and monitor liquidation and legal actions carried out by outside professionals• Periodically and accurately report to the management as to the status of all assigned problem loans – i.e. monthly SAG Status Log, SAG Meeting Report, OREO Status Report, Classified Asset Report, Charge Off / Recovery Log, Charge Off Status Log, etc• Negotiate with obligors, 3rd parties, buyers, vendors on terms and conditions• Work with underwriting departments in mentoring and training of designated team which includes at minimum Special Assets Portfolio Managers, Loan Underwriters and Credit Assistants• Mentor member bank teams on proper credit underwriting and analysis; lead weekly/monthly credit meetings providing credit examples through verbal and/or digital presentations as training opportunities for staff in an effort to minimize bank loss Show less

San Luis Obispo County, California

• Coach and mentor the organizational staff which includes junior lenders, portfolio managers, credit assistants and operational staff• Direct lending staff to meet the client’s needs and establish bank annual income statement and balance sheet growth• Focus on community connection and outreach as to maximize brand presence within the local community• Minimize banks risk exposure by adhering to internal credit policy and procedures with respect to all lending decisions•… Show more • Coach and mentor the organizational staff which includes junior lenders, portfolio managers, credit assistants and operational staff• Direct lending staff to meet the client’s needs and establish bank annual income statement and balance sheet growth• Focus on community connection and outreach as to maximize brand presence within the local community• Minimize banks risk exposure by adhering to internal credit policy and procedures with respect to all lending decisions• Underwriting/analysis of new approvals, renewals, amendments, covenant waivers and annual reviews in accordance with Commercial Credit Policy• Management of Bank commercial portfolio exposure exceeding $100MM which consists of large construction development projects and CRE/C&I loans to Bank’s top tier clients• Responsible for management of underwriting and documentation of sourced/existing credits both conventional and SBA (exposure over $1MM)• Management of a loan portfolio including financial exceptions, covenant monitoring and collateral review• Monthly problem loan monitoring and reporting• Strong understanding of how to detect and report early warning signs of problem credits as to minimize the risk of credit loss• Review customer accounts for credit limit increase or decrease within authorized guidelines in conjunction with credit policy• Maintain appropriate risk ratings and capital allocation levels on all portfolio loans• Identification of appropriate prospects within San Luis Obispo County, creating and managing an effective prospect list and performing activities which insure growth of the loan portfolio• Serve prospects and customers through consultation as a senior finance advisor, assisting them in the recognition and tackling of business opportunities and risks, while helping them accomplish their short term/long term financial goals• Act as the face of the bank while participating in civic, business and community affairs Show less

Paso Robles, Ca

• Opened Paso Robles Founders Community Bank Branch• Coach and mentor the organizational staff which includes junior lenders, portfolio managers, credit assistants and operational staff• Direct lending staff to meet the client’s needs and establish bank annual income statement and balance sheet growth• Research and develop marketing opportunities unique to the company’s geographical location and develop an encompassing sales plan; work with commercial team towards execution of the… Show more • Opened Paso Robles Founders Community Bank Branch• Coach and mentor the organizational staff which includes junior lenders, portfolio managers, credit assistants and operational staff• Direct lending staff to meet the client’s needs and establish bank annual income statement and balance sheet growth• Research and develop marketing opportunities unique to the company’s geographical location and develop an encompassing sales plan; work with commercial team towards execution of the sales and marketing plan• Monitor data to analyze the Bank’s financial performance of the income statement and balance sheet• Resolve client concerns• Negative asset resolution• Focus on community connection and outreach as to maximize brand presence within the local community• Minimize banks risk exposure by adhering to internal credit policy and procedures with respect to all lending decisions Show less

Central Coast, California

• Focus on community connection and outreach as to maximize brand presence within the local • Identification of appropriate prospects within San Luis Obispo County, creating and managing an effective prospect list and performing activities which insure growth of the loan portfolio• Serve prospects and customers through consultation as a senior finance advisor, assisting them in the recognition and tackling of business opportunities and risks, while helping them accomplish their short… Show more • Focus on community connection and outreach as to maximize brand presence within the local • Identification of appropriate prospects within San Luis Obispo County, creating and managing an effective prospect list and performing activities which insure growth of the loan portfolio• Serve prospects and customers through consultation as a senior finance advisor, assisting them in the recognition and tackling of business opportunities and risks, while helping them accomplish their short term/long term financial goals• Act as the face of the bank while participating in civic, business and community affairs Show less

Central Coast, California

• Focus on community connection and outreach as to maximize brand presence within the local community• Minimize banks risk exposure by adhering to internal credit policy and procedures with respect to all lending decisions• Underwriting/analysis of new approvals, renewals, amendments, covenant waivers and annual reviews in accordance with Commercial Credit Policy• Management of Bank commercial portfolio exposure exceeding $65MM• Responsible for management of underwriting and… Show more • Focus on community connection and outreach as to maximize brand presence within the local community• Minimize banks risk exposure by adhering to internal credit policy and procedures with respect to all lending decisions• Underwriting/analysis of new approvals, renewals, amendments, covenant waivers and annual reviews in accordance with Commercial Credit Policy• Management of Bank commercial portfolio exposure exceeding $65MM• Responsible for management of underwriting and documentation of sourced/existing credits both conventional and SBA• Management of a loan portfolio including financial exceptions, covenant monitoring and collateral review• Monthly problem loan monitoring and reporting• Strong understanding of how to detect and report early warning signs of problem credits as to minimize the risk of credit loss• Work towards resolution of problem credits including collateral and/or cash flow deficit with the inclusion of collateral liquidation towards recovery through collection• Review customer accounts for credit limit increase or decrease within authorized guidelines in conjunction with credit policy• Maintain appropriate risk ratings and capital allocation levels on all portfolio loans• Identification of appropriate prospects within San Luis Obispo County, creating and managing an effective prospect list and performing activities which insure growth of the loan portfolio• Serve prospects and customers through consultation as a senior finance advisor, assisting them in the recognition and tackling of business opportunities and risks, while helping them accomplish their short term/long term financial goals• Act as the face of the bank while participating in civic, business and community affairs Show less

Atascadero, California

• Review, analyze and have extensive knowledge of various third party documents and reports, including property financial statements, rent rolls, appraisals, environmental and engineering data, personal credit, title, escrow, and borrowing entity structures.• Analyze borrower financial statements and tax returns with emphasis on the cash flow of underlying investment real estate.• Responsible for personally inspecting and managing third party site inspections on real estate collateral… Show more • Review, analyze and have extensive knowledge of various third party documents and reports, including property financial statements, rent rolls, appraisals, environmental and engineering data, personal credit, title, escrow, and borrowing entity structures.• Analyze borrower financial statements and tax returns with emphasis on the cash flow of underlying investment real estate.• Responsible for personally inspecting and managing third party site inspections on real estate collateral for all requested loans within the assigned area and applying extensive regional knowledge of local markets to incorporate analysis into presentations for loan committee• Determine physical and market condition of properties with respect to third party reports, and inspections• Responsible for the risk grading and stress analysis of bank CRE credits • Identify strengths and risks of loan requests, including recommendations for mitigating risks consistent with the bank's guidelines, and express reasons for support of appropriate credit grade under review• Remain up to date on Bank guidelines and identify exceptions to policy, guidelines, and pricing when compared to risk• Identify title, insurance, zoning, entity, or other issues that require analysis and resolution by the bank• Collaborate with production officers and staff to acquire sufficient information to address credit concerns• Maintain a working knowledge of Bank's written policies and procedures• Coach, mentor, or trained others as subject matter expert• Directly reported to bank Chief Credit Officer Show less

San Luis Obispo, California Area

• Minimize banks risk exposure by adhering to internal credit policy and procedures with respect to all lending decisions• Underwriting/analysis of new approvals, renewals, amendments, covenant waivers and annual reviews in accordance with Commercial Credit Policy• Management of Bank commercial portfolio • Responsible for management of underwriting and documentation of sourced/existing credits both conventional and SBA• Management of a loan portfolio including financial… Show more • Minimize banks risk exposure by adhering to internal credit policy and procedures with respect to all lending decisions• Underwriting/analysis of new approvals, renewals, amendments, covenant waivers and annual reviews in accordance with Commercial Credit Policy• Management of Bank commercial portfolio • Responsible for management of underwriting and documentation of sourced/existing credits both conventional and SBA• Management of a loan portfolio including financial exceptions, covenant monitoring and collateral review• Monthly problem loan monitoring and reporting• Strong understanding of how to detect and report early warning signs of problem credits as to minimize the risk of credit loss• Work towards resolution of problem credits including collateral and/or cash flow deficit with the inclusion of collateral liquidation towards recovery through collection• Review customer accounts for credit limit increase or decrease within authorized guidelines in conjunction with credit policy• Maintain appropriate risk ratings and capital allocation levels on all portfolio loans Show less

Arroyo Grande, California

• First point of contact providing client services, and specialized in the products and services that helped clients meet their financial needs• Supported Bank’s culture and client-friendly environment by greeting clients with a courteous and friendly demeanor• Ensured continued relationships with clients by processing client transactions• Expanded the use of alternative delivery systems by explaining the merits of other systems such as Online Banking System, Online Bill Pay, ATM… Show more • First point of contact providing client services, and specialized in the products and services that helped clients meet their financial needs• Supported Bank’s culture and client-friendly environment by greeting clients with a courteous and friendly demeanor• Ensured continued relationships with clients by processing client transactions• Expanded the use of alternative delivery systems by explaining the merits of other systems such as Online Banking System, Online Bill Pay, ATM network, Debit Card, and Client Contact Center• Protected the interests of the Bank and clients by following all security, regulatory and audit procedures• Maintained proper dual control and appropriate holds. Accurately balancing assigned cash depositories on a daily basis• Maintained advanced product knowledge of all Bank products• Contributed to the Bank’s success by identifying sales opportunities and referring clients to the appropriate area. Worked towards achievement of branch and individual sales and referral goals• Drove branch profitability and client satisfaction by getting to know clients and encouraging their consideration of other Bank products where they may benefit the clients’ needs Show less

Associate Of Science - As, Accounting

Bachelor Of Science - Bs, Accounting & Executive Management