Summary
Overview
Work History
Education
Skills
Timeline
Certification:
Certification:
Generic
Ginger Tharpe

Ginger Tharpe

Pelham,AL

Summary

Visionary and results-oriented with a robust track record in commercial real estate loan servicing, asset management, and portfolio optimization. Skilled in strategic problem-solving, regulatory compliance, and driving operational excellence. Renowned for exceptional organizational skills, attention to detail, and the ability to lead and manage multiple high-stakes initiatives simultaneously. Solid understanding of fundamental investment banking concepts. Proven leader with outstanding communication and management skills, adept at fostering strategic partnerships and driving sustainable growth. Proficient in advanced financial analysis and committed to delivering superior performance and transformative results.

Overview

26
26
years of professional experience

Work History

Portfolio Asset Manager - Commercial Real Estate

Truist - Grandbridge Real Estate Capital
01.2015 - Current
  • Lead the development, implementation, and monitoring of cutting-edge loss mitigation strategies to effectively manage and mitigate risks associated with distressed assets, ensuring alignment with corporate goals and objectives
  • Articulate comprehensive workout portfolio updates and strategic recommendations to senior management and executive leadership, driving informed decision-making and strategic alignment
  • Collaborate with internal and external legal counsel to ensure full compliance with all relevant regulations and legal requirements, mitigating potential risks and safeguarding the organization’s reputation
  • Collaborate with Syndication and Relationship Managers to structure and execute transaction effectively
  • Deliver detailed action plans with recommendations and supporting strategic decision-making
  • Conduct comprehensive financial analysis of commercial income-producing properties and sponsors, including variance research and statement adjustments in accordance with lender guidelines, driving data-driven decision-making
  • Lead property inspections to verify collateral maintenance, identify life safety issues, and report deferred maintenance items, ensuring enhancement of asset value
  • Oversee the processing of complex borrower requests related to property management changes, easements, transfer of interest, ensuring seamless operational execution
  • Ensure strict compliance with Fannie Mae, Freddie Mac, and CMBS agency regulations, leveraging in-depth knowledge and expertise to navigate complex regulatory and drive compliance excellence.

Revolving, Recovery, and Real Estate P/T Collector

Regions Bank
01.2005 - 01.2008

Credit Risk Manager

Wells Fargo Bank (formerly Wachovia Bank, formerly SouthTrust Bank)
01.1998 - 01.2005
  • Revamped merchant’s underwriting process emphasizing individual responsibility and effective use of technology that lead to increases in productivity and improved relations with merchant sales force
  • Strengthened the underwriting and servicing areas efficiency by establishing measurable goals, effective P&L management, training and mentoring sessions, resulting in improved utilization of retail and commercial network
  • Championed record reductions in fraud losses through adroit management style, capitalizing on innovative investigation and monitoring techniques, recognition of individuals team performance through aggressive bench-marking.

Education

Bachelor of Business Administration with Honors -

Faulkner University

Skills

  • Strategic problem-solving
  • Regulatory compliance
  • Operational excellence
  • Organizational skills
  • Attention to detail
  • Leadership
  • Management skills
  • Financial analysis
  • Communication skills
  • Risk management
  • Executive reporting
  • Property oversight
  • Complex request management
  • Fund allocation and management
  • Regulatory expertise
  • Portfolio Management
  • Statistical Analysis
  • Due diligence
  • Risk Mitigation
  • Microsoft Excel
  • Risk Management
  • Cash Flow Forecasting
  • Analytical Thinking
  • Professionalism
  • Problem-solving abilities
  • Excellent Communication

Timeline

Portfolio Asset Manager - Commercial Real Estate

Truist - Grandbridge Real Estate Capital
01.2015 - Current

Revolving, Recovery, and Real Estate P/T Collector

Regions Bank
01.2005 - 01.2008

Credit Risk Manager

Wells Fargo Bank (formerly Wachovia Bank, formerly SouthTrust Bank)
01.1998 - 01.2005

Bachelor of Business Administration with Honors -

Faulkner University

Certification:

Mortage Banker Association (MBA)

-Certified Commercial Real Estate (CRE)

-Certified Commercial Multifamily (CMF)

-Certified Commercial Mortgage Servicer (CMS)

-Certified Commercial Multifamily Servicer Performance (CMFSP)

-Certified Commercial Multifamily Servicer Surveillance (CMFSS)

-Certified Special Commercial Multifamily Borrower Request (SCMFBR)

-Certified Multifamily Property Inspector (CMPI)

Certification:

Mortage Banker Association (MBA)

-Certified Commercial Real Estate (CRE)

-Certified Commercial Multifamily (CMF)

-Certified Commercial Mortgage Servicer (CMS)

-Certified Commercial Multifamily Servicer Performance (CMFSP)

-Certified Commercial Multifamily Servicer Surveillance (CMFSS)

-Certified Special Commercial Multifamily Borrower Request (SCMFBR)

-Certified Multifamily Property Inspector (CMPI)

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Ginger Tharpe