- Leading growth and improvement of earnings quality of $11B bank – with establishment of a strong credit culture – together with oversight of all credit policies, approvals, credit administration, loan operations and special assets.- Driving continued improvement of asset quality – reducing NPA/Total Assets by 73% to 0.12% from 0.45% in one year. Delinquencies/Total Loans improved to 0.5% from 2.2% and ALLL/Total loans of 0.71%.- Strong loan growth maintained while improving asset quality – 14% increase in commercial loan balances, while driving higher loan yields of 4.7% vs. 4.45% over prior 12 months – primarily CRE, C&I and portfolio lending in California and West Coast footprint. CRE lending includes term, repositioning and construction facilities.- Chair and lead senior credit committee – for all credit approvals above delegated authorities of 10 direct reports.- Re-engineered credit approval process to be full committee vs. 2 signatures. Opened committees to all lenders for coaching, training, and reinforcing one common credit culture. Reduced cycle time to 2 days from 5-6 days.- Lead and direct risk rating systems to ensure that all loan assets are rated appropriately – minimizing downgrades.- Oversee ALLL Committee – ensuring impairments and FAS 5 are accurately reflected and calculated.Implementing LOS for all commercial lending – streamlining originations, enhancing data collection and incorporating spreading / risk rating tools. - Leading CECL implementation – preparing model platforms, data sources, forecasts and methodologies for parallel run with ALLL and first implementation in Q1 2019.- Credit executive for New Products Committee – providing oversight, coaching, and support for new credit products – introducing 7 new lending products over past year.- Restructured org to provide independence to embedded credit administration in business units.

Led the growth, operation and profits of a privately held, national financial services group comprised of 7 companies, $5.4B assets, $1.4B revenues, $385M profits, and 2,100 employees: (i) commercial real estate lending, investment and development, (ii) indirect auto lending, (iii) insurance, (iv) fleet finance, (v) luxury car rentals, (vi) technology and DMS and (vii) a car dealership.Institutionalized businesses by establishing new credit lines to fuel growth of commercial lending platform. Wrote credit policy, established and served on loan committee, implemented institutional-quality underwriting models and approval memoranda. Automated servicing platform and reduced headcount with resulting productivity gains.Established enterprise-wide Growth Playbook cycle for each company – 3-year strategic growth plans supported by operating plans. A disciplined framework for planned growth – clearly understood from top to bottom of each organization – forming collective purpose and accountability in achieving growth goals. Institutionalized lending businesses by establishing new credit lines to fuel growth. Wrote credit policy, established and chaired loan committees, implemented institutional-quality underwriting models and loan approval templates. Automated servicing platform and reduced headcount with resulting productivity gains.Structured, implemented and chaired Compliance Committee of Board of Directors. Wrote board charters and hired Chief Compliance Officer. Also, established board committees for Audit and Risk Oversight. Direct interaction with outside board members. Mitigated effects of CFPB investigation linked to auto lending and servicing operations, which practices were radically transformed and or eliminated upon my arrival in mid-2014,Led the development and implementation of company-wide disaster recovery and business continuity plans –resulting in up to $1 million in daily revenue savings and life safety of 2,100 employees

Reporting to the Chief Credit Officer of publicly traded, $55B commercial bank holding company, oversaw $18B CRE loan portfolio across eight affiliate banks in 11 western states and 18 MSAs – ensuring consistent enterprise-wide quality of loan originations, portfolio management, underwriting, and loan documentation. Led and provided oversight for CRE loan approval process of large loans and relationships that exceed affiliate bank lending limits. Approved 400+ transactions – representing >$6B of commitments. Sole credit approval authority up to $200 million.Creatively established and oversaw enterprise-wide Risk Hurdles as quantitative tools to guide CRE lending activities, portfolio analysis, concentrations, and risk grading – by asset class and market – resulting in zero losses and minimal classified loans to date.Instituted concentration risk management tools and processes to monitor growth of construction and term loan portfolio across various property types and MSAs – ensuring a diverse portfolio and avoidance of higher risk, lower yield lending. Exposure monitored and guided as a multiple of risk based capital.Led and responsible for enterprise-wide stress testing of entire CRE loan portfolio – for regulatory and management purposes – including model validation and portfolio stress testing (DFAST / CCAR) submitted to Fed. Interacted frequently with regulators (OCC, Fed and FDIC)Wrote new CRE credit policy and member of the Corporate Credit Management Committee – setting policy across all lending and credit activities of the corporation. Oversight and restructuring of $5B SBA portfolio (504 and 7a)Modernized loan risk grading system for consistency and uniformity – to drive ALLL and DFAST stress testing.

Apollo Real Estate Advisors, was a leading international private equity real estate investor and fund manager for corporate pension funds, sovereign wealth funds, life insurance companies, foundations and HNW individuals.Created separate account focused on the acquisition and development of shopping centers, urban in-fill residential, industrial, office buildings and resort hotels in Mexico – all carried out with local JV partners.Closed various development equity investments of $165 million + pipeline of 11 deals worth >$350 million

Managing Director – North America Equity Investments Created North America Equity Investment business for core, turnaround and value add transactions – retail, office, apartments, industrial and hotels.Invested over $1.5B capital in acquisitions and development projects. Developed investment strategies and parameters, selected operating partners, negotiated JV agreements – with some of the largest and most prominent REITs and REOCs in US and MexicoGrew business unit profits from zero to $20M, $25M and $50M in 2004-06, respectively.Risk Manager – Capital Markets Chief Credit Officer for GE’s Capital Markets business – led team of 12 underwriters for large loans – CMBS, whole loan syndications, and A/B notes. Underwrote and approved >$4B of large loans for securitization and syndication in U.S.Risk Manager – Latin America Based in Buenos Aires, Argentina and covering all of Mexico and Latin America, led debt and equity structuring, due diligence, underwriting and closing for Mexico and Latin America. Approved and closed loans in Mexico totaling approximately $300MM in commitments.

Vice President – Workouts and Debt Restructure Restructured, settled and liquidated entire $1.5B portfolio of problem loans in 24 months. Solutions included DPOs, note sales, DIL settlements, foreclosures, whole loan trades and lease securitizations – avoiding losses of $100 million.Managing Director – Latin America Created and ran Citibank’s commercial real estate finance business in Brazil.Structured and funded $500MM loan portfolio, including Brazil’s first shopping center construction/term loan, first office building construction loan and first dual-currency construction loan to hedge FX.