Pamela Bauer

Experience

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  Self Employed

  Jan 2003 - Mar 2006

  Virginia State Licensed Residential Appraiser

  • Prepared thorough appraisal reports: URAR forms, drive-by, condominium, new construction, FHA, comparable rent schedules, and small residential income property.

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  First Bank Of Beverly Hills

  Mar 2006 - Jun 2009

  Underwriter

  • Underwrote complex CRE and construction loan transactions of various property types. Transaction sizes ranged between $5MM-$20MM.• Major accomplishments: designation as primary point of contact for the largest, most demanding, and most profitable borrower with over $30.0 million in loans; specialized in tenant-in-common deals with as many as 32 borrowers.

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  California Credit Union

  Jul 2010 - Mar 2012

  Senior Commercial Real Estate Special Assets Portfolio Analyst

  • Analyzed CRE problem loans and real estate owned assets collateral (multi-family, office, industrial, retail, self-storage facilities, and golf courses) and assisted with workout strategies to maximize recovery and minimize CCU loan losses. • Major accomplishment: Reviewed most complicated loans in the Special Assets portfolio totaling over $20.0 million with various issues (bankruptcy, environmental, water rights, challenging borrowers/participants), which lead to CCU’s first successful note sale. Show less

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  Santa Barbara Bank and Trust

  Mar 2012 - Nov 2012

  Senior Commercial Real Estate Loan Underwriter

  • Performed detailed credit risk analysis in adherence to underwriting criteria and compliance with bank policies and procedures and regulatory guidelines. Transaction focus primarily on new multi-family property loans ranging from $2MM-$5MM. Reviewed peer Credit Approval Memorandums for accuracy, overall soundness of analysis and completeness for recommendation. • Major accomplishment: Ramped up to speed quickly to meet production goals and 45-60 day closing deadlines.

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  Rabobank

  Nov 2012 - Jan 2016

  Financial Analyst III, Real Estate Industries Group (“REIG”)

  • Performed independent, detailed financial and collateral risk analysis of larger, complicated new loan requests, as well as annual reviews for complex credit relationships up to $60MM. Transaction sizes typically ranged from $1MM to $20MM+ across various property types, including conventional and construction financing. Assisted with RNA intern training and special projects.• Major accomplishments: Work directly with the Fresno team on loan originations as well as reviewing the largest portfolio in REIG (analyzed nearly $325MM in exposure in 2015) and designated as a CreditQuest Super User to address user software application questions Show less

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  Community West Bancshares

  Jan 2016 - Feb 2019

  Construction Portfolio Manager

  • Successfully managed CWB’s construction loan portfolio from origination through project completion and loan payoff or conversion to permanent financing. Portfolio consisted of ~25 loans totaling $100MM in commitments and ranging in size from $1MM to $16.2MM. Projects varied from ground up construction of residential (SFR and condominium), multi-family, mixed-use, a mobile home park, hotels (boutique & flag), retail, senior living, and self-storage facilities. Reviewed all construction credits prior to submission to Credit Committee. • Loan approval authority up to $500,000 for all loan types. Balanced budgets and reviewed all draw requests for approval to fund via Third-Party Funds Control.• Major accomplishments: Promoted from Senior Commercial Underwriter to a newly created position as the Construction Portfolio Manager in early 2017. Developed policies & procedures for construction loans. Streamlined draw request process via creation of forms. Show less

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  Genesis Capital LLC

  Feb 2019 - Mar 2023

  Credit Underwriting Manager

  • Effectively managed the pipeline with a team of 10-14 underwriters for all sponsor requests: new sponsors, renewals and limit increases with exposure limits ranging from $1MM to $250MM (average exposure limits are ~ $5MM-$10MM) as well as all large loans >$3MM or 5+ units. Sponsor underwriting included all financial and collateral analysis, written Sponsor Summaries, AML/KYC compliance, background and credit reviews, coordination with Construction team for vetting and feasibility studies, and all borrowing entity approvals. Identified potential problems during underwriting and escalated appropriately.• Trained and developed employee underwriting skills to improve quality, efficiency, and optimal performance.• Utilized strong organizational and problem-solving skills to enhance client experience, both internally and externally.• Oversaw all covenant testing/monitoring. • Major accomplishments: Drove workflow to consistently meet tight deadlines while short-staffed and during record breaking loan growth and sponsor onboarding. Onboarded new vendor for income tax verification services. Show less

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  Arixa Capital

  Jul 2023 - Nov 2024

  Director, Underwriting