Michael Watson

VP Loan Portfolio Review Manager - Multifamily Lending @Mechanics Bank

Anaheim, CA, US
EMAILS
m••••••••@mechanicsbank.com
MOBILE NUMBERS
+19•••••••25

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WORK HISTORY

May 2022 — Present

VP Loan Portfolio Review Manager - Multifamily Lending @Mechanics Bank

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Irvine, CA, US

Manage the Annual Loan Review process and Portfolio Manager/Analyst team within the Multifamily Lending Unit, a high credit quality portfolio consisting of approximately 700 CRE term loans totaling $2.7 billion in assets. Approve Loan Reviews under delegated credit approval authority of $10 million (single loan commitment/no relationship cap).Review and recommend approval of Loan Reviews above $10 million to Credit Administration.Coordinate, assign and perform annual site inspections to verify physical condition of collateral properties.Negotiate and serve as the primary Bank contact for non-cash out loan modifications.

EDUCATION

2004 — 2009

California Polytechnic State University-San Luis Obispo

Bachelor of Science (B.S.), Economics - Concentrations in Finance & Real Estate

2000 — 2004

Miramonte High School

High School Diploma

SKILLS

SpreadsheetsFinancial AnalysisCash FlowFinancial StatementsGaapCommercial MortgagesEconomicsAccrualsLines of CreditCredit AnalysisCommercial BankingExcelUnderwritingMicrosoft OfficeGeneral LedgerConsolidationCredit Risk

ABOUT MICHAEL WATSON

VP / Loan Portfolio Review Manager - Multifamily Lending

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