BRADFORD K. GILES

#1
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Office:
858-349-1787
Fax:
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Pager:
888-407-1025
14636 Via Bergamo
San Diego,  
California  
92127
United States
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Experience:

SAGECREST FINANCIAL          SAN DIEGO,  Ca

Chief Executive Officer         September 2010 to Present

Providing Commercial Real Estate Consulting Services to Banks and Investors
Portfolio Asset Management/Distressed Real Estate Loan Restructuring
Real Estate Loan Placement and Brokerage Services
Portfolio Due Diligence/Disposition
Expert Witness

   

CENTRAL PACIFIC BANK          SAN DIEGO,  Ca

Senior Vice President/Managing Director-Mainland Commercial Real Estate         January 2008 to September 2010  

Manager of Commercial Real Estate Loan Portfolio outside of Hawaii
Market included Pacific Northwest,  California,  Nevada and Arizona
Honolulu based Commercial Bank with over $5 Billion in Assets
Assigned to Reduce Criticized and Classified Portfolio Balances
Voting Member of Management Loan Committee
Exceeded 2 Year Goal of 50% Reduction of $1.3B Portfolio by December 31,  2009

        

FIRST MAGNUS FINANCIAL CORP          Rancho Santa Fe,  Ca

Regional Manager/Strategic Alliances         April 2007 to September 2000

Recruited to create and manage national builder mortgage joint venture marketing initiative.
Target clients include Top 300 Builders in US.
Additionally assigned to manage existing builder relationships based in AZ
Company Filed for Ch 11 Bankruptcy in Sept ‘07

        

COUNTRYWIDE FINANCIAL CORP          San Diego,  California

Vice President/Strategic Business Alliances         February 2003 to September 2006

Responsible for sales,  development,  deployment and enhancement of private label mortgage joint ventures.
Client base includes top tier homebuilders and real estate companies in S.  California and Nevada.
Additionally responsible for other affiliated business arrangements in the Strategic Alliance Group.
Recipient of Outstanding Achievement Award for new JV business development,  2004.
Recipient of Highest Combined JV Purchase Production,  Net Income and Basis Point Contribution Awards,  2004
In prior position in loan production,  2/03 to 5/04,  established and enhanced builder accounts including OTC.
First graduate of Countrywide/National Builder Division’s Certified Builder Representative Program.

 

WASHINGTON MUTUAL          San Diego,  California

Regional Manager/Relationship Manager         January 2000 to February 2000

As SVP/Director of Operations in Houston;  assisted Managing Director of Residential Construction Lending in the management of 17 Loan Production Offices ( LPO)  throughout the US under predecessor,  Bank United.   Transferred to Phoenix in May 2001 to manage Arizona/Nevada LPO following WAMU acquisition of Bank United.   Transferred to San Diego in July 2002 to manage the start-up of the San Diego LPO.        

As LPO Manager in Phoenix and San Diego,  responsible for production,  underwriting,  presentation and administration of loans and lines of credit to various local,  regional and national homebuilders.

Portfolio included entitled land,  A&D and construction credits from $2MM to $75MM+.    Portfolio size of $300 Million in Phoenix.  Supervised staff of 6 in Phoenix.  San Diego office was in its initial formation stage.

 

KeyBank          Las Vegas,  Nevada   

Senior Vice President         May 1998 to January 2000

Recruited to take over management of Commercial Real Estate LPO.
Grew staff from 1 to 6 in less than one year.
Achieved over 150% of production goals in first operating year ( 1998).
Received one of the largest incentive payouts at Key for 1998 production performance.
Portfolio consists of SFR tract development and construction,  retail,  multifamily,  office,  flex construction and CMBS with loan size of $2MM to $50MM+.

  

First Security Bank          Las Vegas,  Nevada

Vice President         August 1996 to May 1998

Initially recruited to improve the quality and diversification of the commercial real estate portfolio with predecessor bank ( AmBank).
Moved to SFR construction lending group in 1997 after merger of AmBank/First Security.
Specialized in providing construction/A&D RLC's to local and regional homebuilders.

 

JOHN HANCOCK FINANCIAL SERVICES          Las Vegas,  Nevada

Marketing Representative         January 1996 to August 1996

Provided financial & estate planning and life insurance products to businesses and high net worth individuals.
Products include retirement plans,  mutual funds,  annuities,  life and health,  disability and  long term care.
Top producer in agency through June 30,  1996.

        

FIRST INTERSTATE BANK OF NEVADA          Las Vegas,  Nevada

Vice President & Manager         June 1990 to December 1995

Manager of Commercial Real Estate Division;  Supervised 11 employees,  including 2 team leaders,  4 loan officers,  3 loan closers and 2 support staff,  located in Las Vegas and Reno.  ( 7/92 to 12/95).    

Assigned to manage and enhance existing $500MM construction loan portfolio as Team Leader,  Commercial Real Estate Division ( 8/91 to 7/92).

Assisted in formation of problem loan workout unit,  including supervision of 2 loan officers as Team Leader ( 2/91 to 8/91).   

Assigned to manage and enhance existing construction loan portfolio composed of various commercial and residential product types in Las Vegas market ( 6/90 to 2/91).

Received highest rating for portfolio quality and account management by internal audit group during first year as manager.

Consistently exceeded production goals resulting in significant bonuses in every year eligible.

        

THE PRUDENTIAL CALIFORNIA REALTY        WESTLAKE VILLAGE,  CALIFORNIA                 

Senior Broker Associate         July 1989 to June 1990

Marketed commercial and residential real estate.

Pioneered probate sales for financial Institutions.

  

IMPERIAL BANK          San Diego,  California  

Vice President/Real Estate Lending         August 1988 to July 1989

Involved in production,  underwriting,  negotiating and administration of commercial real estate loans.   
Portfolio consisted of apartments,  single-family residential tracts,  industrial and office buildings.   Loan size $2 Million to $22 Million.

 

LA JOLLA PACIFIC EQUITIES,  INC.           Costa Mesa,  California     

Partner/Financial Officer         April 1987 to August 1988

Assisted in formation of Subchapter S land investment company.  Holdings in Southern California,  Texas and Atlanta,  Georgia.
Responsible for all financial functions,  including financial reporting,  cash flow analysis,  day-to-day operations and banking/lending relationships.
In charge of site selection of main office,  lease negotiations,  space planning,  supervision of construction-tenant improvements.
Sold stock ownership to other partners in 1988 for significant profit.

 

UNIVERSITY SAVINGS ASSOCIATION          Houston,  Texas

Vice President/Real Estate Lending         October 1985 to April 1987

Originated,  structured,  negotiated and administered commercial real estate loans.

Loan size - $2 Million to $50 Million.   Portfolio consisted of land acquisition and development,  shopping center construction and mortgage,  apartment construction,  mortgage and rehabilitation.   Managed $150 Million in workout loans.

 

INTERFIRST BANK POST OAK          Houston,  Texas

Vice President/Commercial Lending         December 1984 to October 1985

Responsible for lending,  underwriting and administration of commercial loans.
Advised senior management on all real estate transactions.

 

WENGROUP CAPITAL CORPORATION          Little Rock,  Arkansas

Vice President/Mortgage Banking         July 1984 to December 1984

Specialist in tax-exempt bond financing for multi-family projects.
Financial consultant to real estate developers.

          

INTERFIRST BANK HOUSTON          Houston,  Texas

Assistant Vice President/Real Estate         August 1980 to July 1984

Responsible for lending,  underwriting and administration - Commercial Real Estate Division.
Handled largest portfolio in the division,  in excess of $100 Million,  composed of land,  office buildings,  shopping centers,  apartments and hotels.

Education:

UNIVERSITY OF HOUSTON          Houston,  Texas

BBA/Finance         1978

Professional Memberships / Associations / Societies:

Real Estate Broker #00996739,  CALIFORNIA DEPARTMENT OF REAL ESTATE

Panel of Arbitrators,  AMERICAN ARBITRATION ASSOCIATION ( inactive)

CREA-Certified Real Estate Appraiser,  NATIONAL ASSOCIATION OF REAL ESTATE APPRAISERS ( inactive)

Associate Member,  SOUTHERN NEVADA HOME BUILDERS ASSOCIATION

Associate Member,  CENTRAL ARIZONA HOME BUILDERS ASSOCIATION

Associate Member,  BIA/SMC OF SAN DIEGO

References:

  Available upon request or online at:   http://www.linkedin.com/in/bradfordkgiles

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