30+ years of commercial/residential real estate lending experience in major southwest US markets. 10+ years of management experience in a commercial banking environment. Expert in underwriting, documentation and administration of real estate portfolios. Expert in early detection and work out of problem assets, loss mitigation, bankruptcy, OREO. Extensive lending experience with local, regional and national home builders. Excellent business development, negotiation, credit analysis and presentation skills. Ability to create high yielding production offices and build efficient, productive and cohesive teams.
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
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.
UNIVERSITY OF HOUSTON Houston, Texas
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
Available upon request or online at: http://www.linkedin.com/in/bradfordkgiles