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S R I B A W A N
7425 FARRALON E AVENU E CANOG A PARK CA 91303
818 716.5075  818 515.6852 SRI PAVA@ YA H O O. C O M
S U M M A R Y
Vice President/Commercial Underwriting/Asset Manager/Credit Analyst with extensive expertise in mortgage banking for
single family, commercial real estate,construction loans, SBA 504 and 7A loans. Field of experience is diverse having
worked in various areas of the financial industry; Strengths include underwriting, default management and workout,
budgeting, asset valuation, analytical finance, accounting and management of realestate development.
 Management of criticized assets
 Asset evaluation, recovery and remarketing
 Debt workout and Collections
 Credit Analysis including financial statements and tax returns
 Construction Analysis including Construction disbursement
 Budget Preparation & Control
 Planning & Scheduling
 Real Estate Credit Policies and Procedures
 Excellent organizational, communication, analytical, and people skills.
 Results-oriented, with an ability to see assignments to successfulcompletion.
P R O F E S S I O N A L E X P E R I E N C E
COMMUNITY WEST BANK, GOLETA, CA MAY, 2015 - PRESENT
VICE PRESIDENT, SENIOR COMMERCIAL UNDERWRITER/COMMERCIAL UNDERWRITING DEPARTMENT
 Responsible for the detailed analysis of financial statements and credit applications.
 Assist with loan originations and management of existing loan portfolio.
 Ensure compliance with credit policies and procedures with emphasis on safety and soundness.
 Loan servicing to include SBA review functions.
 Construction process management to include interaction with construction loan officers, fund control personnel
and other construction third part personnel.
 Attend initial project meetings, track projects progress, approve change orders, interest reserve management,
handle disputes and reallocation of funds.
 Act as liaison between borrowers fund control companies to facilitate timely payments of construction
disbursements.
FIRST CITIZENS BANK, SAN DIEGO, CA NOVEMBER, 2009 - APRIL, 2015
VICE PRESIDENT, PORTFOLIO MANAGEMENT/CREDIT RESOLUTION DEPARTMENT
 Responsible for the management of real estate loans secured by residential, commercial properties and land,
ranging in size from $200,000 to $20,000,000. Continuous monitoring and evaluation of the financial condition
of borrowers and/or guarantors and developing loan decisions based on analysis.
 Handle defaulted loan relationships to formulate repayment plans. Coordinate litigation and foreclosure process
with attorneys and trustees to facilitate optimal resolution of loans. Evaluate collateral condition, including
environmental screening to validate bank’s resolution decisions.
 Liaising with legal counsel to protect Bank’s rights in various bankruptcy matters including developing
acceptable,intermediate financial terms with Debtors in Possession regarding disposition of business revenue and
dealing with receiverships. Responsible for re-structuring loans to comply with terms of bankruptcy re-
organization plans.
 Develop workout strategies for loans from distressed banks under the guidelines provided by the FDIC for
purchase and sale agreements. Work on forbearance plans and modifications, short sales, note sales, deeds in lieu
of foreclosures and forfeitures to secure maximum net proceeds.

INDYMAC BANK PASADENA, CA JULY, 2003 – OCTOBER, 2009
ASSET MANAGER, HOME CONSTRUCTION LENDING.
 Review assigned problem loans referred from loan servicing and developing strategies for restructuring and
modifying loans to return them to the performing portfolio. Developing and implementing suitable loss
mitigation plans for avoiding and/or reducing loss on non-performing assets.
 Overseeing the completion of high risk construction projects and restructuring loans to ensure completion and exit
from portfolio, including negotiating term extensions, additional advances,and exceptions to accommodate
planning authority requirements.
 Reviewing third party reports and interacting with legal teams with respect to asset resolution, including
mechanics and material-men’s liens, basic and bonded stop notices, title disputes etc and ensuring that the bank’s
interest are protected at all times.
 Negotiating short sales and short payoffs, property forfeitures and deeds-in-lieu of foreclosures to present the best
outcome for the Bank. Dealing with bankruptcy filings and associated relief from stay, preparing file for referral
to foreclosure in the event that a workout solution is not reached and monitoring progress through trustee sale and
REO transfers.
 Upon takeover by the FDIC, responsible for preparation of exit strategies and case studies for resolution on non-
performing loans for FDIC review. Team member that effected the expedited dissipation of assets to facilitate the
sale of the bank.
WASHINGTON MUTUAL CHATSWORTH, CA 1999 – APRIL, 2003
FINANCIAL ANALYST/ASSET MANAGER
 Administered 6 aircrafts leases, performed monthly and quarterly financial reports with consistent accuracy.
 Conducted on-site property inspections of about 160 collateral properties (Multi-family, Office, Industrial and
Retail) in my servicing portfolio including evaluations of condition, deferred maintenance and current market
value.
 Analyzed problem loans and prevented defaults through coordination with investors and borrowers.
 Implemented American Disability Act to bring company within federal guidelines.
 Managed commercial property servicing portfolio for Orange County/San Diego County, including analysis of
income and debt service metrics to develop appropriate servicing plans. Prepared periodic reports for
FannieMae/FreddieMac and other GSE to document portfolio status.
ARCS COMMERCIAL MORTGAGE CO. CALABASAS, CA 1997 – 1998
ASSET MANAGER
 Annual property inspections of approximately 60 loans in my servicing portfolio to validate deferred
maintenance on the properties and oversight of rent rolls to ensure compliant debt service coverage ratios.
 Monthly or quarterly financial analysis as required to ensure loans comply with Capital Markets guidelines and
managing loans on the “watch list”.
 Monitoring and disbursement of replacement reserve and escrow administration.
 Problem asset resolution - working with investors and borrowers to handle potential defaults through either
workouts or foreclosure.
 Coordination of new capital market loan programs and securitization changes.
 Accomplished excellent customer relations with investors and customers.
WEYERHAEUSER MORTGAGE COMPANY. WOODLAND HILLS, CA 1983 – 1997
SUPERV ISOR – FORECL OSUR E, BANKRUPTCY , FINANCE AND RESIDENTIAL CONSTRUCTION
 Foreclosure: Responsible for re-instatements and legal procedures pertaining to foreclosure process, trustees' sale
and deeds in lieu of foreclosure. Meeting investor requirements after the trustees' sale on no bid properties. Filing
claims with FHA or VA for the outstanding debt on foreclosed property according to the terms of the original
deed of trust.
 Analyzed profit and loss analysis of real estate foreclosure throughout the United States. Repurchasing, internal
auditing of foreclosure claims to ensure loan cost recovery. Monthly financial reports and quality control of the
foreclosure department.

 Review of draw requests, invoices and lien releases, monitoring of disbursement, set aside funds, equity funds,
budget, contracts, change orders, overhead and developer profit, title protection and project overruns and warning
signs.
 Reduced foreclosure losses by 50-70% by coordinating with outside vendors and attorneys and monitoring daily
transactions.
 Received “Winning as a Team” award from the Rochester Institute of Technology for significant achievement in
the quality movement, which reduced expenses in the Loan Servicing Division.
E D U C A T I O N
BS, Accounting & Finance  University of Sri Lanka  Colombo, Sri Lanka
T E C H N I C A L S K I L L S
Windows  Excel  Access  Word  Microsoft Outlook  Internet  Quicken  JD Edwards  CLCS  Alltel
N M L S # 737786

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Sri Resume 4-22-16

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