Kimberly Hoffman

Vice President, Sr. Commercial Real Estate Lending Officer

Industrial Bank · Washington, District of Columbia, United States

Present

Actively pursuing new commercial lending opportunities in the "Beltway" region of D.C., Maryland, and Virginia, as well as the Baltimore, Maryland region. Products offered are business loans and lines of credit including term, construction, redevelopment, permanent commercial mortgage loans, and loan participations. Industrial Bank is a CDFI as well as an MDI.

Commercial Loan Officer - Business Banking Group (Va)

United Bank Inc · McLean, VA

Based out of Northern Virginia and covered the VA/MD/DC MSA. Reviewed, structured, approved, and closed new, renewed or modified loans. Coached Portfolio Managers in credit analysis and taught them business lending such as: loan structuring, reviewing loan documentation, and negotiating loan terms. Additional products: standby letters of credit, bankcard, and cash management/treasury. Portfolio had close to 400 notes. Supported 17 bank branches as their Business Banker. In 2019 closed a combined 63 renewals/modifications/new loans. Processed more than 150 PPP loans in 2020-21.

Commercial Loan Asset Manager, Loss Mitigation - Fdic Loss Share

Bayview Loan Servicing, LLC (FL) · Ft Lauderdale, FL

On behalf of FDIC Loss Share and BMO Harris Bank, I was responsible for liquidating defaulted commercial real estate loans from the failed Amcore Bank that was purchased by BMO Harris Bank of Chicago, IL. Loss mitigation under FDIC guidelines included: commencing legal action, having collateral valued, engaging counsel and receivers, foreclosing on real estate, replevin of business assets, liquidating collateral via auction, third party sales, REO or negotiating a settlement. Also I pursued borrowers and guarantors for deficiencies per deficiency judgments. The FDIC Loss Share portfolio was winding down with an anticipated end date of June 30th, 2015. In anticipation of the loss-share contract end date, the choice was made to relocate to the Washington D.C. metro area to pursue long term employment in commercial real estate finance.

Financial Center Lender and Sales Manager (Sc)

Liberty Savings Bank · 3 Office Way, Hilton Head Island 29928

In May 2012, Liberty Bank was sold to First Federal Savings Bank (which is now owned by South State Bank) and I relocated to South Florida in order to return to a larger market and large corporate and commercial real estate lending. While at Liberty I handled new business development and relationship management in the Hilton Head area.

Vice President - Cmbs Lending for Atlantic Mortgage & Investment Co. a Div of Resource Bank (Va)

Fulton Financial Corporation

Commercial mortgage broker specializing in non-recourse loans on office, warehouse, retail, multi-family, and industrial commercial real estate lending. Covered the Hampton Roads region of Virginia (Williamsburg to Chesapeake which includes Va Beach, Norfolk, Newport News, etc.). Left the company due to slowing market conditions and limited commercial lending. Relocated to Hilton Head/Bluffton area of South Carolina. Atlantic Mortgage & Investment was a subsidiary of Resource Bank and Fulton Financial.

Senior Asset Manager - Nylim Commercial Real Estate - Cmbs, Closing Dept, New York Office

New York Life Investment Management - Real Estate Group · New York, NY

Closed CMBS and portfolio non-recourse commercial real estate loans. Left due to relocation to Virginia.

Treasurer, Commercial Asset Manager and Project Manager

The Aron Forem Companies · Newark, New Jersey

Managed the process of refinancing commercial loans in a privately owned portfolio with assets exceeding $35 million at that time. Analyzed the financial viability of potential commercial real estate ventures, obtained financing and streamlined acquisitions into the portfolio.

Assistant Vice President - Large Corporate Lending

Westpac Institutional Bank · New York, New York

Australia’s largest bank. Managed a portfolio made up of “Fortune 250” companies. Marketed bank products and services, primarily foreign exchange lines of credit. Actively sought participation in loan syndications. Determined loan structure and amounts.

Commercial Lending Office, Middle Market Lending - Essex County

Wells Fargo · Newark, NJ

• Worked for First Fidelity Bank which was New Jersey’s largest bank at the time of employment and through acquisition became a part of Wells Fargo. Structured secured and unsecured loans for companies with sales in excess of $20 million. Sold trust and cash management products/services. Maintained accounts and prospected for new business. • Participated in the company’s three year Credit & Lending Training Program. Promoted to Commercial Lending Officer upon Program completion.