The THORNE Group
My many years in the banking industry and my many diverse positions held make me an excellent candidate to help you navigate the banking system.
Salesperson License #01205224
Expires - June 27, 2019
First Issued - February 15, 1996
Notary Public - Commission #2186707
Commission Expires April 13, 2021
Notary since 1983
Bonded and Insured
The THORNE Group. – Roseville, CA (2010 – Present)
We provide in depth support for banks in the area of loan auditing and due diligence. Prepare assets for sale to the general public and other institutions. Work with institutions to increase their ratio's. Also provide training in the area of residential and commercial construction lending. Providing both origination, processing, disbursement and final funding of construction loans. Additionally provide institutions consumer classes on understanding the construction lending process.
RSM McGladrey, Inc. – Chicago, IL (2008 – 2010)
Directed a team of 15 in the disposition of $500 million commercial and residential loan portfolio at a failed bank. Maintained full responsibility for operation processes for account holds. Presented case/loan memorandums for FDIC approval. Managed all aspects of borrower contact to consummate workout transactions. Prepared and executed sale foreclosures. Completed foreclosures for transfer to OREO Facilitator.
Participated in the resolution of litigation issues with legal on suits filed against FDIC.
Led efforts to complete whole bank sales through the processing of repudiations and terminations of contracts and agreements.
Communicated with taxing authorities to bring current taxes on all delinquent properties.
Mandalay Services Corporation – El Dorado Hills, CA (2006 – 2008)
President & CEO
Provided executive leadership and direction to a large construction lending processing and disbursement company. Supervised and coached 15 employees in daily job tasks. Handled corporate marketing activities through one-on-one contact and seminars for institutions
Assisted banks in underwriting construction loans and preparing loans for collateralization for FHLB loans.
Educated loan officer in banks what was needed for a construction loan and how to properly sell the product.
Washington Mutual Bank – Folsom, CA (2002 – 2006)
Senior Loan Consultant
Led efforts to originate residential construction loans, residential purchase and refinance as well as consumer loans. Established loan policy and underwrote traditional loans originated.
Championed efforts to implement a corporate reorganization on the construction lending department for the entire company, which reduced processing time in loans from 90+ days to 21 days.
Managed work out loans in the construction lending department by successfully negotiating terms.
Wells Fargo Bank – Folsom, CA (2002)
Senior Loan Consultant
Executed all aspects of loan origination and provided financial services expertise to a diverse clientele.
Originated residential construction loans, residential purchase/refinance, and consumer loans, which included maximizing revenue and exceeding targets.
Mission Hills Mortgage Corporation – Santa Ana, CA (2001 – 2002)
Participated in the origination of resident construction loans, residential purchase/refinance, and consumer loans.
Pioneered the development and launch of the construction lending program for the entire company, which was comprised of 21 offices.
Served as the Regional Manager responsible for overseeing 2 offices and 12 employees.
Pacific American Mortgage – Roseville, CA (2000 – 2001)
Wholesale Account Manager
Cultivated positive and enduring relationships with a diverse clientele.
Managed the origination of residential construction loans, residential purchase and refinance, and
consumer loans on a wholesale basis.
Gold Country National Bank – Marysville, CA (1997 – 2000)
Vice President of Real Estate Lending
Supervised 6 origination and processing employees. Prepared for board approval residential subdivisions of up to50 lots and small infill projects of under 10 lots.
Created and opened a residential/commercial lending center (LPO) for the bank.
Maintained accountability for approving all loans originated within the lending limits of $500,000.
Achieved the highest ratings on asset quality ratings by regulatory authorities.
EDUCATION & CREDENTIALS
Bachelor of Science in Business Administration (Currently Pursuing)
University of Phoenix
California State University Sacramento
Licensed Real Estate Agent in the State of California
Licensed Notary in the State of California