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Our managing partner
Derek P. Pollard
Private Wealth and Commercial Real Estate Credit Risk Management:
Derek has a mastery of private wealth management and commercial real estate finance centered on risk and portfolio management, lending, underwriting, valuation, and credit and investment analysis.
Accomplished over 12 years as a credit/enterprise risk manager at SunTrust Bank (now Truist), one of the largest financial institutions in the U.S. He provided primary oversight for credit risk, underwriting processes, and portfolio quality/management for the private wealth line of business. The private wealth Line of business loans funds to doctor offices and groups; hospitals; urgent, acute, assisted living, and congregate care facilities; law offices; entertainment entities; and high net worth individuals;
He also built the commercial real estate underwriting platform for a $26 billion portfolio of construction, permanent, affordable housing, new markets tax credits, owner-occupied, and institutional equity and loan transactions.
He was also the enterprise risk manager for the C&I, business banking, and SBA lines of businesses.
Mastered 13 additional years of commercial real estate lending, analysis, and consulting. Successfully grew loan portfolios for two (2) top ten financial institutions as a lending officer originating office, hotel, retail, warehouse, and residential subdivision loan transactions.
Regulatory and Bank Risk Management:
Built complex commercial real estate underwriting platform for a top ten financial institution for institutional, high net worth, tax credit, and delegated underwriter and servicer (DUS) transactions.
Derek performed complex bank compliance and analysis as a Commissioned Federal Reserve Capital Markets and Credit Examiner. In addition, he led interest rate, market, and liquidity risk reviews of major southeastern financial institutions.
Successfully performed reviews of marketable securities and commercial real estate portfolios of major, U.S.-based complex financial institutions.
Professional Experience
Private wealth credit risk manager and policy author for underwriting doctor practices – 9 years.
Commercial real estate lending, underwriting, and investment analysis – 11 years.
Commercial real estate risk management, financing, loan operations and documentation – 13 years.
Environmental and Commercial Real Estate Valuation Risk Management – 13 years.
Commercial underwriting and analysis -20 years.
Identification of risk management and regulatory gaps in commercial banking activities – 18 years.
Experienced speaker, writer, and trainer on wide range of lending, underwriting, and analytical topics – 20 years.
Educational Background
BA, Morehouse College, Atlanta, GA
MBA, Clark Atlanta University, Atlanta, GA
Commissioned Examiner: Federal Reserve System – Market and Interest Rate Risk, Liquidity Risk, and Commercial Real Estate Risk Management.
Options Certificate: Federal Reserve Options Certificate – Chicago Board Options Institute, Chicago, IL.
Credit/Management Training: Credit, lending, and management training. Bank of New England/Fleet, Boston, MA
Exemplary Credit Training – Advanced credit and lending training. First Interstate Bank/Wells Fargo, Los Angeles, CA & Las Vegas, NV.
Work Experience
Managing Partner: LakeRock Capital, Atlanta, GA, Current & 1994 – 2000
FVP – Enterprise Risk Manager – Commercial Real Estate: SunTrust Bank, Atlanta, GA , 2005 – 2018
FVP – Enterprise Risk Manager – Private Wealth, C&I, Business Banking: SunTrust, Atlanta, GA, 2009 – 2018
Commissioned Capital Markets Examiner: Federal Reserve Bank of Atlanta, Atlanta, GA, 2000–2005
Commercial Real Estate Banking Officer: First Interstate Bank/Wells Fargo, Los Angeles, CA & Las Vegas, NV
Commercial Real Estate Banking Officer: Bank of New England/Fleet National Bank, Boston, MA
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