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Karine A. Clark 33515 Moonsail Drive, Dana Point, CA 92629 T 949.677.1856 E kc1280fb0@westpost.

net COMMERCIAL REAL ESTATE ASSET MANAGEMENT and FINANCE Business Operations * Strategic Planning * Budget & Cash Flow Analysis * Asset M anagement * Loan Workout Commercial Real Estate * Property Management * Income Property * Commercial Lend ing * New Business Development * Regulatory Compliance * High Risk Management * Key Account Managem ent Ongoing Credit Training * Policy Development * Staff Development & Training * Me ntoring/Coaching PROFILE Top performing commercial real estate professional with demonstrated expertise i n asset management, financing of commercial real estate development and existing assets; performs special servicing on performing and non-performing loans maxim izing financial returns for client investments by improving loan performance, in creasing cash flow and facilitating liquidation. Originate and underwrite new an d existing financing opportunities. Strong negotiation and analytical skills wit h attention to detail. Proven ability to independently analyze and solve prob-le ms. Manages multiple projects under tight deadlines. EXPERIENCE US BANK COMMERCIAL REAL ESTATE, Newport Beach, CA 2008-Present Vice President, Senior Lending/Account Manager ( continuation/rehire: see Seattle 1983-2001) Origination and maintenance of major commercial real estate clients. Manage new loan production, ongoing asset management and loan workouts. Promoted client loa n/debt requirements for new and restructured construction and real estate loans. Coordinated loan closings, negotiated loan documents and maintained reporting a nd compliance requirements. Monitored and track loans, resolved client issues to ensure satisfaction while maintaining legal and regu-latory compliance. Key Achievements: * Managed $300MM loan portfolio including all property types with concentration on retail, office and apartment including tax credit LIHTC transactions. * Negotiated loan modifications and restructures totaling $200MM and average $10 0MM in new production. * Organized presentations to loan committee for approvals, on going coordination with cash and treasury management divisions for enhanced cross sale coverage an d profitability. * Performed in-depth property analysis, analysis of income and expenses, rollove r analysis leases and specific clauses outlined within leases that may impact pr operty cash flow and/or landlord obligations. * Maintained financial and budget variance analysis of borrower, sponsor and gua rantor particularly in sup-port of property weaknesses/risks, and accessed finan cial covenant compliance, financial trends and un-usual issues. CALIFORNIA NATIONAL BANK, Newport Beach, CA 2005-2008 Vice President, Senior Lending/Account Manager Demonstrated marketing expertise and exceeded business objectives. Originated co mmercial real estate loans, performed cash flow modeling, identified risk and op portunity. Presented loan submission package to loan com-mittee for approval. Key Achievements: * Managed $150MM loan portfolio while maintaining client satisfaction in order t o facilitate future growth opportunities.

* Increased commercial real estate loan portfolio of over $100MM annually with n ew construction loans generating new relationships to the bank, achieving 100% o f goal. * Maintained current construction loan monitoring and inspections in order to ma nage risk for each loan. Provided ongoing asset management and loan compliance w hile monitoring entity and project cash flow, budgets and variance identificatio n. US BANK COMMERCIAL REAL ESTATE, Seattle, WA 1983-2001 Vice President, Senior Lending/Account Manager Management of existing loan portfolio, structured and negotiated new constructio n loans and/or real estate com-pany borrowing lines including non real estate co mpanies. Monitored loan processing activities to ensure expec-tations were achi eved or exceeded. Managed regulatory compliance, tracked loans and resolved issu es to deliver exceptional client satisfaction and loyalty. Modeled cash flow req uirements, coordinated loan closings and negoti-ated loan documents. Provided in -depth analysis of property income and expenses. Maintained timely project in-sp ections, construction progress, line item variances and established summary of e xternal impact issues including governmental permitting and certification requir ements. Key Achievements: * Originated and managed $400MM loan portfolio and averaged $125MM in new loan p roduction. * Enhanced individual client relationship profitability through cross sale marke ting of bank product and services. * Developed and managed largest two commercial real estate developers in Seattle through multiple pro-ject construction loans, depository and cash management se rvices. EDUCATION UNIVERSITY OF WASHINGTON, Seattle, WA Coursework ~ Accounting/Economics/Finance SKILLS & PROFESSIONAL DEVELOPMENT Real Estate Asset Management | Income Property Commercial Lending | Ongoing Credit Training | ICSC Conference Organization Committee & Speaking Technical Skills: Proficient MS Office Suite * PowerPoint, MAC LICENSES Real Estate Licenses, California REFERRALS Project summary and referrals available upon reques.

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