GILBERT V. ALVAREZ
Summary
Commercial Lending Executive with experience as a senior banker in corporate middle market banking with a specialty in commercial real estate & construction lending. An initiative-taking professional responsible for originating and managing a diversified CRE and construction portfolio, including C-PACE financing and capital markets programs. Experience and abilities include successfully and cohesively managing and leading commercial and business teams. Successful track-record superseding production goals. Managed and risk rated a $500MM portfolio consisting of a mix of mixed-use commercial, office, neighborhood-retail, logistics industrial, self-storage properties. Average size deals between $5MM- $25MM. Aggregate relationships up to $75MM.
Overview
1
1
Language
1
1
Certification
37
37
years of professional experience
Work History
SVP Commercial RE Team Lead
Cathay Bank
Seattle, WA
11.2021 - Current
- Lead a commercial real estate and construction lending unit for the pacific northwest with six portfolio managers.
- Responsible for unit's growth, credit quality and its P&L.
- Developed targeted market plans for best-in-class real estate developers.
- Responsible for loan structuring, underwriting, credit rating and first line approval for all credits up to $1MM.
- Responsible for approving best loan structures and review of construction loans through stabilization and permanent financing.
- Creating sophisticated loan structures with interest rate swaps and Commercial PACE financing.
SVP Commercial Real Estate Manager
First Interstate Bank
Portland, OR
08.2010 - 11.2021
- Responsible for managing RMs, production, underwriting of the commercial real estate portfolio for the pacific coast metro markets in line with market strategies.
- Developed targeted market plans to challenge both metro markets for top tier real estate corporate and family office investors and merchant developers.
- Responsible for structure and review of construction loans through stabilization and permanent financing utilizing capital market products.
- Responsible for $750MM credit portfolio management and credit risk in line with established annual business and strategic business plans.
- Responsible for quarterly loan review and credit risk rating a diverse portfolio of CRE and Construction credits.
- Developed aggressive annual business plan for new loan growth to meet $80MM goals and 10% net portfolio growth in addition to retention of profitable relationships including new deposit growth of $2MM, fee generation from loan and swap fees and regional strategic plan to maintain efficiency and profitability.
- Oversight of operational and risk management to ensure high level of customer service and compliance.
- Maintenance of initiative-taking lending team and qualified staffing through selection, placement and training ensuring optimal team performance.
- Active participation in business and philanthropic community events and business / trade functions to network for potential opportunities and deepen the bank's presence in the community.
Controller – Finance Executive
GL BRUNO & ASSOC., INC.
Fresno, CA
08.2009 - 06.2010
- A Medical Office Building Development, Construction & Management Firm.
- Responsible for all accounting and financial modeling, and cash flow analysis.
Sr. Project, and Construction Manager
NEWMARK MERRILL COMPANIES
Woodland Hills, CA
08.2008 - 02.2009
- Responsible for managing redevelopment of neighborhood retail centers.
- Responsible for GC selection, coordination of professional's work product (architect, engineer) and vetting final project budgets and AIA contracts.
- Coordination of design review, plan approval and permitting.
President
SARASOTA SELECT PROPERTIES, INC.
Sarasota, FL
01.2002 - 01.2007
- Real Estate Management & Consulting, Brokerage and Development
General Contractor and Developer
NDC CONSTRUCTION COMPANY
Bradenton, FL
01.1999 - 01.2001
- Coordination and negotiation of contract for work and city liaison for new developments.
VP, Commercial Loan Officer
Capital Bank / Peninsula Bank / Premier Community Bank
Miami, Tampa, FL
01.1990 - 01.1998
- Financial and credit training program involved in asset-liability-investment management, investment portfolio management and credit analysis, loan structure and loan documentation
- Reviewed and strengthened asset quality, including performing workouts and restructures of problem credits
- Dedicated to C&I loan sourcing, underwriting & credit analysis, preparation of loan write-ups for Loan Committee approval
- Monitored the preparation of loan documentation and closings
- Monitored debt servicing and collections
- Underwriting of residential A&D credits including lot subdivision projects and lot release provision for new construction
- Closed income producing real estate loans up to $5 million, business lines of credit, equipment loans, loans to professionals and their practices and SBA 7(a) & 504 loan guarantees
- Aggressively marketed and cross-sold all bank services
- Achieved revenue and customer retention goals while increasing profitability through relationship building, outstanding service delivery, cross selling, and referral network
- Consistently exceeded production goals for new loans, deposits, and fee income.
Education
B.A. - International Management
Claremont McKenna College
Claremont, CASkills
- Deal sourcing
- Team building
- Loan structuring
- Credit analysis
- Loan Risk Rating
- Capital Markets
- Strategic leadership
Accomplishments
- Supervised team of 6 portfolio managers.
- Sole rain-maker for the CRE loan production team.
- Developed average 6 new relationships per year.
- Grew a loan portfolio by 150% in 4 years.
- Annual production $45M to $65M.
- Exceeded loan portfolio review with minimal exceptions.
- Cross-sale bank products and programs.
Certification
- Licensed real estate broker - FL
- Licensed commercial pilot
Languages
Spanish
Native or Bilingual
Timeline
SVP Commercial RE Team Lead
Cathay Bank
11.2021 - Current
SVP Commercial Real Estate Manager
First Interstate Bank
08.2010 - 11.2021
Controller – Finance Executive
GL BRUNO & ASSOC., INC.
08.2009 - 06.2010
Sr. Project, and Construction Manager
NEWMARK MERRILL COMPANIES
08.2008 - 02.2009
President
SARASOTA SELECT PROPERTIES, INC.
01.2002 - 01.2007
General Contractor and Developer
NDC CONSTRUCTION COMPANY
01.1999 - 01.2001
VP, Commercial Loan Officer
Capital Bank / Peninsula Bank / Premier Community Bank
01.1990 - 01.1998
B.A. - International Management
Claremont McKenna College
Additional Information
Designations: FINRA Series 7, Series 3, State of Florida Real Estate Broker License