Troy Johnson Email & Phone Number

California, United States

San Francisco Bay Area

Oversee operations for a portfolio of multi family apartment buildings. Set operationalbenchmarks; track financing milestones and initiate plans for refinancing and rehabilitation to ensure long term viability of the projects; and to facilitate transition of new projects to Accounting and Property Management. Tasks include portfolio analysis, budget monitoring including quarterly financial review.Work closely with housing development staff to ensure long-term sustainability of new affordable housing developments.Research partnership agreements, financing documents, regulatory agreements, tax returns and other sources todetermine financing structures and constraints. Develop long term debt plan including amortization of soft debt, refinancing parameters, recapitalization of reserves and cash proceeds for acquisition or distribution.Ensure compliance with financial lenders and governmental regulators.Review reports prepared by property management to investors and regulatory agencies.

Walnut Creek, California, United States

EVERETT FINANCIAL, INC. D/B/A/ SUPREME LENDING NMLS #2129 (nmlsconsumeraccess.org). http://bit.ly/SLDisclaimers

Walnut Crekk, Ca

NMLS # 332570RPM Mortgage, Inc. – NMLS#9472 – Licensed by the Department of Business Oversight under the Residential Mortgage Lending Act. Equal Housing Opportunity

Livermore, California, United States

Provided consultation on acquisition of delinquent mortgage notes from various loan service entities, and financial institutions in several regions across the county. Strategize with staff to develop processes to bring delinquent mortgages to performing mortgages. Processes included counseling/ negotiating delinquent borrowers on loan workouts/ modifications or deeds in lieu. Aligning these processes to match the company goal of preserving homeownership. Analyzing various Federal, State, Local agencies foreclosure programs as part of implementable solutions to accomplish company mission statements. Assessing properties values and marketability after acquisition through deed in lieu or abandonment. Stabilizing the asset for market sale or rental.

Fremont, California, United States

Market various mortgage loan products within an independent mortgage broker structure. Managed an office of ten licensed loan officers. Advised and educated newly licensed loan officers on products and programs that will best fit their client’s needs. Consulted on marketing and lead generation strategies. Lead a team that merged an independent branch with RPM Mortgage in 2004

Milpitas, California, United States

Marketed BofA internal mortgage loan products to branch customers. Specialized Branch Division called Special Markets. This division was created and focused on the Ethnic makeup of the local customer base. Customer base had a sixty-five percent Asian customer base. Products included Purchase Mortgage Loans and HELOCs. Covered 3 branches in the division.

San Jose, California, United States

Branch Mortgage Loan Officer, marketing of unique loan products to branch customer base, local realtor network and other finance professionals. Loan Products mainly consisted of a negative amortization adjustable mortgage. Presidents Club in 1996, 90 loans closed.

Redwood City, California, United States

Responsible for the stabilization ,rehab and liquidation of bank owned properties, primarily acquiredthrough the foreclosure process. Upon confirmation of acquisition of the property, internal bankprocesses tasked me with assessing occupancy and condition of the property. Occupant processesincluded counseling the former owner or existing tenant on the company's dignified process of keyturnover. Working with regional staff, internal appraisers, local realtors, contractors in assessing needed repairs and marketability of the asset. Tasked with reviewing internal market assessment and comparing our internal analysis with a minimum of two market CMA provided by local brokers. Managing commission structure and communicating banks expectations for minimizing asset potential losses. Negotiating bid assessments with contractors. Responsible for preparing over 100 properties for sale. Bank is a portfolio lender that has a vertically integrated REO department. Provided internal mortgage loan financing for assets as a flexible tool to move property efficiently and to keep a performing loan on the bank's books to counterbalance losses incurred through the foreclosure process. 75% ratio of sold properties, used internal financing. President Club 1995.

San Leandro, California, United States

Processed specialized REO Loans for five REO Managers in western region. Underwrote loan assumptions for existing customer base. Assumptions was used as a sales tool for the customer base selling their property or granting title to family members or business partners.

San Leandro, California, United States

Supervised and trained seven call center reps, fielding 150 daily servicing calls for an $18Billion loanportfolio. Unique Adjustable Rate Loan Product facilitated most calls and escalation. Interfaced andcollaborated with all of servicing departments, including foreclosures, collections, bankruptcy, andrecords.