Vice President
Content
EDWARD ROCKLAND 1963 Willow Tree Court * t * (805) 231- 6822
Thousand Oaks, CA 91362
*
[email protected]
Extensive commercial real estate lending experience. Results-driven financial p rofessional with comprehensive banking and lending experience working in various divisions and with a wide range of bank products from business banking (A/R lin es, merchant services, LOCs, etc) consumer (auto, helocs, MMA, CDs, etc), and co mmercial real estate (C & I, O/O, Investor, construction). Additional background in branch management, residential lending, and sales of both financial and nonfinancial products. Formally trained in RMA cash flow analysis and the Ensign C ommercial Credit Analysis. Demonstrated knowledge in reviewing, approving or rec ommending tens of thousands of different loans without any loan losses. Rich ex perience with loans to professional service firms such as attorney, medical and CPA firms resulting in consistently exceeding performance goals. Effectuating ch anges to credit, bank or legal policies at several institutions. Proven success at adapting to changes in market and capturing different market niches with perf ormance rewarded with training in other divisions, promotions from LO to AVP to VP, or high commissions, and/or rewards and acknowledgments throughout career. M arketing and sales success; experienced in all methods of marketing. Bilingual (English and conversational Spanish). EXCELLENT FINANCIAL ANALYSIS * UNRIVALVED CLIENT SERVICE * ADVANCED MORTAGE EX PERTISE PROFESSIONAL EXPERIENCE VICE PRESIDENT OF LENDING August 2009 - Present SHERWOOD MORTGAGE GROUP Thousand Oaks, CA Provide overall direction and guidance to the loan services activities of the or ganization with the objective of maximizing growth and profitability. Maintain t he needs of current and prospective customers seeking loans that may involve len ding on apartment and commercial properties, residential loans and SBA. * Interview applicants to establish best programs, analyze both property and app licant's capacity to repay, and determine which loan program meets lender's acce ptable risk, underwriting parameters and loan policy guidelines. * Responsible for credit pre-underwriting and submissions, analysis of financial data and conducting presentations, workshops, and one-on-one sales meetings for prospective borrowers and follow-up on loan inquiries. VICE PRESIDENT, RELATIONSHIP MANAGEMENT August 1998 - June 2009 FIRST FEDERAL BANK Santa Monica, CA Screened thousands of loans, evaluated tax returns and financial statements on p roperties and borrowers and performed on-site inspections to determine major def erred maintenance, health and safety issues as well as environmental or negative external factors. Successfully marketed apartment and commercial income propert y loans targeting both mortgage brokers and investors directly and developed a l arge client base through mailers, emails, cold-calling, calling customer base, a nd building relationships. Built numerous referral sources with brokers, investo rs, and existing clients and worked with management, underwriters, and when nece ssary the legal department, to originate loans. * Earned awards including Circle of Honor for contributions to the bank includin g sales volume, customer service, and loan quality. * Reviewed appraisals and successfully screened property and borrowers to determ ine credit worthiness of package and spot any red flags with cash flow, asset qu ality or fraud prior to submission to underwriting; results were a high closing percentage of over 90% of loans applied for and no application fraud and no loan defaults. * Acted as liaison to explain and help negotiate loan documents and SNDAs with b orrowers and their legal counsel which saved the bank and the borrower legal fee s of approximately $15K a year. * Made several recommendations regarding quality/risk, pricing and loan policy; results helped make the bank much more competitive in the market with the depart
ment seeing an increase from $600M a month in 1998 to over $400MM a month in 200 2. * Conducted training classes for brokers, customer service representatives and b ranch managers to help them profile borrowers and/or improve customer service; h elped organize and coordinate trade shows. ADDITIONAL EXPERIENCE: HIGH SCHOOL TEACHER (Economics & Government), LAB High School, North Hills, CA Taught Micro and Macro economics and helped students develop a personal budget. SENIOR LOAN OFFICER ENTERPRISE FINANCIAL CORPORATION Van Nuys, CA Initial point of contact for clients, following up on leads in order to effectiv ely sell mortgages and other products. * Successfully marketed and developed loan leads through referrals, cold calling , mass mailing, and telephone solicitation; maintained relationships with banks and credit unions. VICE PRESIDENT/ BRANCH MANAGER/CLO AND AVP/CLO FIRST LOS ANGELES BANK Los Angeles, CA Led a branch office with 20 personnel; responsibilities included developing and administering branch budget, overseeing loan and deposit growth, training and pe rformance of business banking lenders, and overall oversight of operations and c ustomer service. * Directed sales activities to establish new loan relationships and deposit acco unts with airlines, jobbers, freight forwarders, credit unions, service business es and law firms; results were the doubling of both business loans and deposit t otals. * Reviewed credit write-ups for all business banking loans submitted to credit a dministration. Successful track record of originating and approving loans with no loan losses incurred including those under my personal lending limits. * Recruited, directed and coordinated the activities of a 20 person team; traine d branch staff to ensure customer satisfaction and oversee the flow of cash and financial instruments. Customer complaints which were numerous before my arriva l were eliminated. * Recognized for successful leadership resulting in a corporate promotion workin g with legal counsel to resolve loan work-outs of business loans and portfolio m anagement. EDUCATION AND TRAINING BACHELOR OR ARTS IN ECONOMICS UNIVERSITY OF CALIFORNIA - LOS ANGELES (UCLA) Los Angeles, CA PROFESSIONAL DEVELOPMENT * UCLA EXTENSION: Los Angeles, CA Certificate in General Business Studies with C oncentration in Real Estate; classes included Law, Principles, Investment, Argus and Appraisal, Intermediate I, II, III and Cost Accounting. LICENSES * DRE License #01148038
Thousand Oaks, CA 91362
*
[email protected]
Extensive commercial real estate lending experience. Results-driven financial p rofessional with comprehensive banking and lending experience working in various divisions and with a wide range of bank products from business banking (A/R lin es, merchant services, LOCs, etc) consumer (auto, helocs, MMA, CDs, etc), and co mmercial real estate (C & I, O/O, Investor, construction). Additional background in branch management, residential lending, and sales of both financial and nonfinancial products. Formally trained in RMA cash flow analysis and the Ensign C ommercial Credit Analysis. Demonstrated knowledge in reviewing, approving or rec ommending tens of thousands of different loans without any loan losses. Rich ex perience with loans to professional service firms such as attorney, medical and CPA firms resulting in consistently exceeding performance goals. Effectuating ch anges to credit, bank or legal policies at several institutions. Proven success at adapting to changes in market and capturing different market niches with perf ormance rewarded with training in other divisions, promotions from LO to AVP to VP, or high commissions, and/or rewards and acknowledgments throughout career. M arketing and sales success; experienced in all methods of marketing. Bilingual (English and conversational Spanish). EXCELLENT FINANCIAL ANALYSIS * UNRIVALVED CLIENT SERVICE * ADVANCED MORTAGE EX PERTISE PROFESSIONAL EXPERIENCE VICE PRESIDENT OF LENDING August 2009 - Present SHERWOOD MORTGAGE GROUP Thousand Oaks, CA Provide overall direction and guidance to the loan services activities of the or ganization with the objective of maximizing growth and profitability. Maintain t he needs of current and prospective customers seeking loans that may involve len ding on apartment and commercial properties, residential loans and SBA. * Interview applicants to establish best programs, analyze both property and app licant's capacity to repay, and determine which loan program meets lender's acce ptable risk, underwriting parameters and loan policy guidelines. * Responsible for credit pre-underwriting and submissions, analysis of financial data and conducting presentations, workshops, and one-on-one sales meetings for prospective borrowers and follow-up on loan inquiries. VICE PRESIDENT, RELATIONSHIP MANAGEMENT August 1998 - June 2009 FIRST FEDERAL BANK Santa Monica, CA Screened thousands of loans, evaluated tax returns and financial statements on p roperties and borrowers and performed on-site inspections to determine major def erred maintenance, health and safety issues as well as environmental or negative external factors. Successfully marketed apartment and commercial income propert y loans targeting both mortgage brokers and investors directly and developed a l arge client base through mailers, emails, cold-calling, calling customer base, a nd building relationships. Built numerous referral sources with brokers, investo rs, and existing clients and worked with management, underwriters, and when nece ssary the legal department, to originate loans. * Earned awards including Circle of Honor for contributions to the bank includin g sales volume, customer service, and loan quality. * Reviewed appraisals and successfully screened property and borrowers to determ ine credit worthiness of package and spot any red flags with cash flow, asset qu ality or fraud prior to submission to underwriting; results were a high closing percentage of over 90% of loans applied for and no application fraud and no loan defaults. * Acted as liaison to explain and help negotiate loan documents and SNDAs with b orrowers and their legal counsel which saved the bank and the borrower legal fee s of approximately $15K a year. * Made several recommendations regarding quality/risk, pricing and loan policy; results helped make the bank much more competitive in the market with the depart
ment seeing an increase from $600M a month in 1998 to over $400MM a month in 200 2. * Conducted training classes for brokers, customer service representatives and b ranch managers to help them profile borrowers and/or improve customer service; h elped organize and coordinate trade shows. ADDITIONAL EXPERIENCE: HIGH SCHOOL TEACHER (Economics & Government), LAB High School, North Hills, CA Taught Micro and Macro economics and helped students develop a personal budget. SENIOR LOAN OFFICER ENTERPRISE FINANCIAL CORPORATION Van Nuys, CA Initial point of contact for clients, following up on leads in order to effectiv ely sell mortgages and other products. * Successfully marketed and developed loan leads through referrals, cold calling , mass mailing, and telephone solicitation; maintained relationships with banks and credit unions. VICE PRESIDENT/ BRANCH MANAGER/CLO AND AVP/CLO FIRST LOS ANGELES BANK Los Angeles, CA Led a branch office with 20 personnel; responsibilities included developing and administering branch budget, overseeing loan and deposit growth, training and pe rformance of business banking lenders, and overall oversight of operations and c ustomer service. * Directed sales activities to establish new loan relationships and deposit acco unts with airlines, jobbers, freight forwarders, credit unions, service business es and law firms; results were the doubling of both business loans and deposit t otals. * Reviewed credit write-ups for all business banking loans submitted to credit a dministration. Successful track record of originating and approving loans with no loan losses incurred including those under my personal lending limits. * Recruited, directed and coordinated the activities of a 20 person team; traine d branch staff to ensure customer satisfaction and oversee the flow of cash and financial instruments. Customer complaints which were numerous before my arriva l were eliminated. * Recognized for successful leadership resulting in a corporate promotion workin g with legal counsel to resolve loan work-outs of business loans and portfolio m anagement. EDUCATION AND TRAINING BACHELOR OR ARTS IN ECONOMICS UNIVERSITY OF CALIFORNIA - LOS ANGELES (UCLA) Los Angeles, CA PROFESSIONAL DEVELOPMENT * UCLA EXTENSION: Los Angeles, CA Certificate in General Business Studies with C oncentration in Real Estate; classes included Law, Principles, Investment, Argus and Appraisal, Intermediate I, II, III and Cost Accounting. LICENSES * DRE License #01148038
