AREAS OF EXPERTISE
Business & Agricultural Loans, Lines of Credit and Real Estate Loans
Business Banking Relationships
Business Credit Analysis
Loan Documentation
Business Enterprise Economic Analysis
Loan & Real Estate Due Diligence
Real Estate Purchase & Sale Transactions
Loan Foreclosures
Problem Loan Management
Property Management
SUPPORTED BY
Over 30 years in commercial and agricultural banking
3 years as manager of problem loan department
3 years as Chapter 11 trustee
Appointed provisional director for family corporation
Negotiated dissolution of several joint ventures
Established property mgmt. company for John Hancock Life Ins. Co.
Testified in depositions and court in numerous cases as Chapter 11 trustee, for employers and as an expert
EDUCATION
A. A., Northeastern Jr. College, Sterling, CO
B. S., Colorado State University, Ft. Collins, CO
ADDITIONAL COURSEWORK
Contractor License Series, Allied Business Schools
7-Course Real Estate Broker Series, University Programs
Mgmt. Training Series, John Hancock Life Ins. Co.
Colorado School of Banking, University of Colorado
Chapter 11 Trustee, U.S. Trustee
Arbitrator Training, American Arbitration Association
Toxic and Hazardous Substance, DBS&R
LICENSES
California Real Estate Broker
California General Contractor
WORK HISTORY
President/Broker, AB Real Estate & Business Services, Inc., Sacramento, CA, 2003 Present
AB Real Estate & Business Services, Inc. has three divisions; AB Business Consulting, providing services primarily in litigation support and business & banking forensics; AB Construction, specializing in kitchen and bathroom remodeling; and, AB Real Estate, a property management firm.
VP, Sr. Commercial Banking Officer, Washington Mutual Bank, Sacramento, CA, 2000 - 2003
One of two relationship managers developing and underwriting business for new regional commercial banking office. Provided overall customer relationship management by offering a full array of banking products and services and consultation in budgeting and planning for a diversified portfolio of commercial customers. Provided consistently superior customer service in order to attract and retain clientele. Member of Washington Mutuals Premier Group, which recognized employees for superior performance.
VP, Agribusiness Coordinator, Wells Fargo Bank, Sacramento, CA 1999 - 2000
Managed agricultural loan portfolio of $80MM in working capital and term commitments to major, diversified farming, ranching and agribusiness operations in Northern California. Provided overall customer relationship management and managed non-agricultural relationships as needed within geographic territory.
VP, Branch Manager, Feather River State Bank, Yuba City, CA 1996 - 1999
Promoted twice to positions of increasing responsibility, becoming manager of one of two vital branches for community bank with assets over $300MM. Branch was responsible for Banks SBA loans, equipment leases and non-agricultural commercial loans. Interfaced with note department on loan and lease documentation and with subsidiary leasing company to underwrite, purchase and book leases. Banks trade area included 11 offices in Central and Northern California, serving agriculture and the business community.
Owner/Manager, Wenger & Company, Sacramento, CA, 1992 1995
Provided finance, real estate, management, receivership, Chapter 11 Bankruptcy Trustee and arbitration and mediation services. Typical geographic territory included Central and Northern California.
VP, Manager-Special Assets, Western Farm Credit Bank, Sacramento, CA 1991 1992
Farm Credit, a nationwide GSE, provides credit to the agriculture industry. Managed 11th Farm Credit District real estate investment portfolio of substandard loans and acquired property, including loan servicing, collections, workouts, foreclosures, property management and sales. The region served was California, Nevada, Utah, Arizona and Hawaii.
Sr. Agricultural Investment Officer, John Hancock Life Insurance, Sacramento, CA 1977 1991
Promoted twice to positions of increasing responsibility, relocating from the High Plains region and becoming manager of the Sacramento region. Managed California and Hawaii real estate investment portfolio, including origination, customer service, collections, workouts, foreclosures and managed joint venture and company-owned agricultural property.
EDUCATION
A. A., Northeastern Jr. College, Sterling, CO
B. S., Colorado State University, Ft. Collins, CO
MANAGEMENT DEVELOPMENT COURSEWORK
Contractor License Series, Allied Business Schools
7-Course Real Estate Broker Series, University Programs
Mgmt. Training Series, John Hancock Life Ins. Co.
Colorado School of Banking, University of Colorado
Chapter 11 Trustee, U.S. Trustee
Arbitrator Training, American Arbitration Association
Toxic and Hazardous Substance, DBS&R
LICENSES
California Real Estate Broker
California General Contractor
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