THOMAS ROWLAND

127 Hillside Drive * Silverthorne, CO 80498

tracd5ca@westpost.net * H: 970-262-7755 | C: 970-389-3165
COMMERCIAL REAL ESTATE SPECIALIST & ASSET MANAGER
Mortgage Lending * Strategic Planning * Financial Analysis
Dynamic mortgage loan, asset management and business development professional wi
th extensive experience in finance and real estate lease analysis; strong indust
ry background with Coldwell Banker (CBRE), GE Capital, and E.F. Hutton. Adept at
evaluating commercial real estate, and credit loans, advising borrowers and loa
n officers on financial status and alternatives. Results-driven, decisive leader
, accomplished at fine-tuning operations to respond to changing industry conditi
ons. Talent for transforming staff members into cohesive, successful teams throu
gh training and development.
CORE COMPETENCIES
* Risk & Asset Management * Evaluations & Assessments* Business Development * Un
derwriting & Appraisal * Loan Production / Closings* Business Communications * C
lient Relationships* Sales Training & Mgmt.* Fannie Mae DUS
PROFESSIONAL EXPERIENCE
COLUMBINE CLEANING SERVICES - Frisco, CO
Consultant (2009 - Present)
Provide guidance and direction to company president for acquisition and continui
ng operation of business producing revenues of $700K annually. Advise on asset p
urchase and financial structuring, accounting, staffing, and business developmen
t / marketing.
Selected Contributions:
* Guided successful asset purchase and closing on business.
* Negotiated lease assignment and extension options.
* Structured competitive acquisition financing in difficult economic and banking
environment.
* Evaluated and redirected core business marketing/advertising to more durable c
lient base.
COLORADO MOUNTAIN CLEANERS - Silverthorne, CO
President (2002 - 2009)
Provided leadership initiative for creation and expansion of multi-unit, "green"
dry-cleaning business with 16 employees. Directed financial management and real
estate acquisitions, preparation of financial statements, business activity rep
orts, position forecasts, and annual budgets. Oversaw accounting, lease negotiat
ions, production plant acquisition, tenant improvements, and building maintenanc
e. Responsible for analyzing income statements, P&L, and developing marketing /
branding campaigns to boost productivity.
Selected Contributions:
* Built business from start-up to profitable entity with annual business revenue
of $750K.
* Received EPA Region 8 Environmental Achievement Award.
* Acknowledged as 2005 Drycleaner of the Year, Rocky Mountain Fabricare Associat
ion.
* Elected to National Board of Directors of the Drycleaning and Laundry Institut
e International.
RIVERLORE LODGE / COTTAGE DEVELOPMENT - Blenheim, Marlborough, New Zealand
Development Manager (2000 - 2002)
Purchased and operated property while organizing development team for creation o
f 'up-market' lodge and 20-unit cottage property in heart of New Zealand's premi
er wine region.
Selected Contributions:
* Ensured compliance, accuracy, and adherence to contractual obligations involvi
ng project value of $3.5 million.
* Obtained entitlements for project development, complying with terms of complex
and politically sensitive Resource Consent / Planning-Zoning.
AMI CAPITAL, INC. - Greenwood Village, CO
Managing Director, Western Region (1998 - 2000)
Oversaw Union Labor Life Insurance Company subsidiary, handling loan origination
s for Fannie Mae DUS, multifamily, and commercial loans. Hired and supervised s
taff of five employees involved in underwriting and production. Prepared quantit
ative lease cash-flow analyses. Ensured accurate submission and rapid turn times
for loan closings. Provided comprehensive due diligence, including research, ap
praisal review, sponsorship background searches, and review and distribution of
loan documents to borrower. Evaluated calculations / adjustments based on changi
ng scenarios, products, and rates. Reviewed files for accuracy, collected closin
g information, and scheduled loans with closing staff and title companies.
Selected Contributions:
* Developed and maintained strong network of internal and external relationships
with business partners including Archon Financial and Starwood Asset Services.
* Responsible for loan production in excess of $75M.
* Devised and implemented procedures that enhanced performance and streamlined e
ffectiveness of operations.
WESTERN STATES/UNITED MORTGAGE CO. - Denver, CO
Vice President (1994 - 1998)
Spearheaded marketing campaigns and service delivery for commercial and multifam
ily real estate properties. Evaluated, recommended, and authorized approval for
real estate, and credit loans. Advised borrowers on financial status and methods
of payments. Coordinated with clients to obtain information for loans and to an
swer questions about process. Analyzed applicant financial status, credit, and p
roperty evaluations to determine loan risk. Customized loan packages based on cl
ient's needs and ability to comfortably handle financial commitments. Prepared d
ocument packages for distribution to company management and loan committee.
Selected Contributions:
* Served as key business liaison for 10 life insurance company partners.
* Managed business strategies that produced annual loan production and/closings
averaging $40M.
INCOME PROPERTY FINANCE CORPORATION (IPF) - Portland, ME
President (1985 -1994)
Directed operations for New England regional mortgage banking and asset manageme
nt / consulting firm; offices in Connecticut, Cambridge, MA, and Portland, ME. R
ecruited and trained production managers, developing highly effective production
teams in respective market areas.
Selected Contributions:
* Oversaw creation of more than $250M in personal loan production.
* Expanded company loan servicing to $385M with 3 correspondent life insurance c
ompanies and one pension fund.
* Led asset management strategies; responsible for property management, re-const
ruction, and repositioning of a 2 building, 175,000 S.F. office complex for majo
r pension fund.
** ** **
Additional financial experience as Sr. VP for Boston Mortgage Company ($160+M in
mortgages); VP for E. F. Hutton Real Estate Service (multimillion dollar joint
ventures); and 6 years with Coldwell Banker's Real Estate Finance Division (annu
al loan production of $40M+).
EDUCATION AND CREDENTIALS
Bachelor of Arts in History & Geography - University of Denver
Previously held Colorado and California Real Estate Licenses
Professional Development from Costa Institute of Mortgage Banking - Dallas, TX
Past Professional Affiliations
National Mortgage Bankers Association (MBA) | Urban Land Institute (ULI)
National Association of Industrial & Office Professionals (NAIOP)