Sabal Financial Group, L.P. is a nationwide diversified financial services firm specializing in the acquisition, valuation, management and servicing of commercial real estate (CRE) and acquisition, development and construction (ADC) loans and mortgages. Sabal Financial Group provides credit advisory services and loan portfolio management and performance assessments for investors, investment bankers, and financial institutions, including capital assessment based upon portfolio and ALLL analysis. Sabal Financial Group is a privately held company that has more than $3 billion under management and is led by a senior management team with extensive banking and real estate expertise in both the governmental and private business sectors. The company is headquartered in Newport Beach, CA, with offices in Pasadena, CA, Chicago, Miami, Washington, DC, Greenville, SC, and New York City.
Sabal Financial Group is a nationwide diversified financial services firm specializing in the acquisition, valuation, management and servicing of commercial real estate (CRE) and acquisition, development and construction (ADC) loans and mortgages. We provide credit advisory services and loan portfolio management and performance assessments for investment and commercial banks, including capital assessment based upon portfolio and ALLL analysis.
Sabal Financial Group is a privately held company with more than $3 billion under management and is led by a senior management team with extensive banking and real estate expertise in both the government and private business sectors. Sabal Financial Group is headquartered in Newport Beach, CA, with offices in Pasadena, CA, Miami, Washington, DC, Greenville, SC and New York City.
Sabal Financial Group is led by a core team of senior real estate and lending executives that represent extensive banking knowledge, real estate expertise and regulatory experience. Our senior leadership averages 20+ years of experience in their respective disciplines and collaborate to provide the firm's clients with industry-leading financial services advisory and acquisition expertise.
R. Patterson (“Pat”) Jackson is Chief Executive Officer of Sabal Financial Group, having founded the firm in 2009 to provide credit advisory services to banks and private investors with ADC and CRE loans, as well as to provide asset management and servicing for principal investors. He is responsible for the direction, management and business development activities of the company and oversees strategic business initiatives in support of the financial services practice. Under Mr. Jackson's leadership, Sabal Financial has grown its portfolio of assets under management to more than $3 billion in the firm's first two years of operation.
Mr. Jackson is the former CEO and founder of IndyMac Commercial Lending Corporation, where he developed, launched and grew a nationwide small balance commercial and multifamily lending platform with an annualized production of $1 billion. Previously he was CEO of IndyMac’s Specialty Products Group, including the Home Equity and Home Construction Lending divisions and Financial Freedom Senior Funding Corporation, which he acquired from Lehman Brothers and for which he served as Chairman. Under his leadership, loan production of specialty products exceeded $9 billion annually. Mr. Jackson has also served as President and COO of Unitek Miyachi Corporation and held senior leadership positions with Signet Scientific Company and Intecolor Corporation.
Pat Jackson obtained a Bachelor of Science in Business Administration from the University of South Carolina and a Masters in Business Administration from Winthrop College Graduate School of South Carolina. Mr. Jackson is an accredited Mortgage Professional with the Mortgage Banking Association and is a member of Young Presidents Organization (YPO).
Kevin R. McKenzie is Head of Investments for Sabal Financial Group and leads Acquisitions, Portfolio Management and Servicing for Sabal’s national real estate portfolio. With more than 25 years' real estate experience, Mr. McKenzie has served as a developer, principal investor, advisor, investment banker and architect, working on more than $5 billion of property investments involving multifamily, industrial, office and retail properties. He provides extensive executive management, acquisition, development, asset management and capital markets/workout expertise.
Mr. McKenzie is also co-founder of Palisades Equity Partners, an opportunistic, value-based real estate investment firm. He previously served as president of Parker Properties, a Southern California developer of tenant-oriented office campus environments. While at Parker, Mr. McKenzie developed more than 750,000 square feet of Class A office buildings, including three LEED-certified Silver buildings. He has also held senior positions with Buchanan Street Partners, AEW Capital Management and a venture of Goldman Sachs/J.E. Robert Companies.
Mr. McKenzie earned his undergraduate degree from the University of Colorado and a Masters of Business Administration from the Anderson School of Business at the University of California, Los Angeles. He is a full member of the Urban Land Institute, a LEED Accredited Professional and a licensed California Real Estate broker. An ardent supporter of the Boy Scouts, he is a member of the Executive Committee for the organization’s Orange County Council. Mr. McKenzie also serves as a member of the Executive Advisory Board at the University of California, Irvine Paul Merage School of Business Center for Real Estate, and as an adjunct professor teaching the Center's Real Estate Capital Markets course.
Jamey King directs Sabal Financial Group's Bank Credit Advisory Practice which provides advice to investors, investment bankers and financial institutions based upon credit-related due diligence services that range from policies and procedures review to ALLL analysis. Mr. King has over 25 years of banking experience that includes regulatory examination, bank management and advisory services.
Mr. King was most recently a divisional credit officer of the consumer construction lending division at IndyMac Bank where he created scalable asset management procedures consistent with bank regulatory requirements. Prior to this he was an executive with a national private lender where he led risk management, loan servicing and asset management functions, including managing under-performing and non-performing assets.
From 1992 until 1998 Mr. King was EVP and Director of a community savings bank in South Carolina where he chaired the Asset Liability Committee and oversaw all mortgage banking operations, including loan products, pricing, performance, foreclosures and dispositions. Mr. King has also worked for the Federal Home Loan Bank of Atlanta and the Office of Thrift Supervision, conducting onsite examinations of financial institutions’ operations and compliance related activities, holding companies and financial institution subsidiaries.
Jamey King received a BS in Administrative Management and a BS in Insurance and Economic Security from the University of South Carolina.
Ron Warwick is Chief Financial Officer and leads all finance, accounting, banking, audit, reporting and internal control functions for Sabal Financial Group. Warwick oversees all monitoring compliance with debt covenants, funds management and distribution requirements, investor reporting, tax strategies and issuance of audited financial statements for the firm’s investment vehicles.
Mr. Warwick is an experienced financial specialist whose 34-year background in commercial real estate lending and servicing includes financial operations management in highly regulated banking and financial services environments. Prior to joining Sabal Financial, Mr. Warwick was CFO and senior vice president of the commercial service division at Aurora Bank FSB (formerly Lehman Brothers Bank). He has also served as CFO at Finance America, a residential real estate lending company and subsidiary of Lehman Brothers, and was CFO at Fremont Investment & Loan in Brea, CA. His background also includes senior positions at Riverside Thrift & Loan, Staar Surgical Company, Kaypro Corporation, AVCO Financial Services and KPMG Peat Marwick.
Warwick received a Bachelor’s of Science degree in Accounting from San Diego State University and an MBA from Claremont Graduate School. He is also a founding member and chair of the Financial Officer’s Group for the California Thrift and Loan Industry.
Maureen Connaughton is General Counsel for Sabal Financial Group, where she currently focuses on strategic corporate issues and legal issues surrounding real estate transactions, including acquisition, sale and management of assets and work out alternatives for distressed loans. Ms. Connaughton also manages all litigation matters related to loans and assets, and she actively pursues all recovery efforts where deficiency recovery opportunities exist, including title claims, borrower litigation, assignment of claims and guarantor pursuit. As General Counsel, she identifies areas of risk and opportunities for process improvement, creates, revises, and implements Policies and Procedures establishing a framework for scaled and tracked process improvements. She has over 20 years of experience in litigation.
Ms. Connaughton was formerly Assistant General Counsel for IndyMac Federal Bank where she handled a wide variety of litigation matters. She was instrumental in developing Policies and Procedures for the Foreclosure and ORE groups and subsequently implementing controls and reporting of foreclosure activity and ORE assets. Additionally, Ms. Connaughton worked closely with the FDIC legal staff in filing the required legal documentation to substitute the FDIC into litigation matters and requesting a stay of action where appropriate, managing the mandate to suspend all foreclosures, implementing the Loan Modification Program, handling Congressional Complaints, assisting in case evaluations to determine if a Proof of Claim should be allowed or rejected, assisting in the decision process of issuing a Receivership Certificate and determining which litigation matters should be left with the Conservator versus which matters should be put back into the Receiver in a failed institution.
Ms. Connaughton also worked closely with the FDIC legal staff when she requested an exception from the mandate to suspend all foreclosure activity for the ADC portfolio. Ultimately, the FDIC agreed to exclude the ADC portfolio from such mandate, and Ms. Connaughton became involved in preparing case evaluations to obtain approval to proceed with foreclosure and the ensuing case evaluations to sell the assets as well as participating in the evaluation of the various disposition and/or resolution opportunities for each asset.
Prior to IndyMac Bank, Ms. Connaughton was Chief Compliance/Regulatory Counsel for The Home Depot and all of its subsidiaries. Additionally, Ms. Connaughton served as Senior Corporate Counsel, representing The Home Depot in ongoing litigation and business matters, including real estate (residential and commercial) leasing, licensing and litigation and all construction issues from development to litigation pertaining to nearly 2,000 Home Depot stores. She is admitted to practice in Michigan, Illinois, Georgia and in the US Federal District Court in Michigan. Ms. Connaughton earned a J.D. with honors from Chicago Loyola University and a B.A. from the University of Notre Dame.
Vartan Derbedrossian directs all loan servicing functions at Sabal Financial Group. He has 15 years of experience in the banking industry, including loan servicing, retail banking, asset management, liquidation management, risk management, policy administration and lending operations. Prior to joining Sabal, he led asset management for the Federal Deposit Insurance Corporation’s Satellite Office in Irvine, CA, serving as a voting member of the Credit Review Committee for all receiverships in the western region of the United States. In addition, he participated and led the resolution activities of a number of the largest failed banks.
Prior to joining the FDIC, Mr. Derbedrossian was the First Vice President of IndyMac Home Construction Lending (HCL), a specialty services division of IndyMac Bank, where he was responsible for the servicing operations for the nation’s largest residential consumer construction lending platform. He managed a $3 billion loan portfolio with 200 employees in two regional centers with responsibility for funding, post closing, servicing, customer contact center, disbursement administration, audit, vendor management, collections, foreclosure referral, and REO disposition. Mr. Derbedrossian has a BS in Business Administration and Finance as well as an MBA with honors from California State University, Northridge.
Sabal Financial Group represents a corporate philosophy based upon the core practices of Innovation, Superior Service, Partnerships, Ethical Behavior and Teamwork. We're proud of the team we have built, what they represent and the value this creates for our company and our clients. We believe that the manner in which a company conducts its business is as important as the business itself.
Innovation
Creative thinking is central to our values, assumptions and actions. Staying ahead of the competition requires inventiveness at the individual, group and company levels. Sabal is comprised of people who think outside the proverbial box and who thrive on innovative solutions. We value self-starters who embrace uncertainty, take initiative and are not afraid of projects that have no immediately discernible easy solution. The execution of creative options that add value for our investors results in above average returns, while our company and its employees enjoy new business opportunities based upon previous successes. Top of Page
Superior Service
Providing superior service is an essential ingredient in the delivery of our overall investment solution. Superior service means thinking as an investor in our diligence, management and disposition of every asset under our stewardship. We strive to deliver consistency of results and minimize risks in order to meet and then exceed financial expectations.
Our service is delivered via a complete package of employee expertise, technology and proactive intervention in the active management of each asset. Through a blend of hands-on management and leading edge tools, Sabal’s service and performance is directly aligned with our performance fee arrangements.
We believe in constant communication and interaction with our investors. We want every investor to thoroughly understand our platform, management approach, actions and results. Investor participation in investment committee decision making is encouraged, and our comprehensive investor reporting highlights both overall portfolio performance and loan/asset level transactions. Our aim is to provide our investors and clients with clarity in the status of their investments between official reporting cycles. Top of Page
Partnerships
Sabal has strong relationships with a broad network of operating partners who contribute extensive expertise and understanding of local market conditions to the entire deal lifecycle. These partners support Sabal in delivering superior asset-level management and execution capabilities for enhanced investor returns. Leveraging the internal technology platform of Sabal with a team of high quality real estate investment management experts, our operating partners are our first tier for local resources, services and opinion as we seek solutions to optimize value. Top of Page
Ethical Behavior
Sabal conducts business fairly, impartially, ethically, in full compliance with all laws and regulations, and in accordance with the company’s values and Code of Conduct. Integrity and respect underlies all company relationships, including those with customers, suppliers, communities and among employees. Our employees demonstrate maturity of judgment and personal integrity to operate in a manner that will not raise questions as to the company’s honesty or reputation. Top of Page
Teamwork
A harmonious workplace and a high espirt de corps is essential to a healthy company and long term performance. Individual successes are publicly recognized and the fruits of team effort are shared broadly and equitably. Our company is operated for the benefit for our investors, owners and employees. Our concept of teamwork extends to include all stakeholders and seeks a balanced approach that will ultimately deliver the best results over the long term. Top of Page
Sabal Financial Group operates a highly refined service platform that provides advisory services to Private and Governmental entities for financial institutions and specialized services to its Private clients which include Banks and Private Investors. Sabal’s services include:
Sabal’s Bank Credit Advisory Practice serves its clients with a tiered-evaluation approach that creates interim and final deliverables to provide early “go/no go” determinations, price negotiations and final-stage estimates of expected loss within the loan portfolio. Sabal Financial Group’s BCAP performs credit advisory services for:
Investors and Bank Holding Companies seeking to acquire partial ownership in operating banks or whole-bank purchase transactions. Our reports have been used to assess existing bank credit procedures including loan surveillance, portfolio management and adequacy of Allowance for Loan and Lease Losses. In the case of whole bank purchases, our report has frequently been used to help establish the opening balance sheet necessary under the Purchase Method of Accounting.
Investment Bankers seeking to recapitalize bank clients. Our evaluations and reports include content and scope required to assist investment bankers in providing relevant, unbiased credit and management assessments fundamental to their investment recommendation.
Banks seeking to exit shared loss agreements or seeking to validate existing procedures and adequacy of their ALLL, including community banks seeking to create relevancy through merger and subsequent recapitalization strategies. We work with banks seeking to acquire other banks on both a pre-failure and post-failure basis, and evaluate credit losses remaining in post-failure, loss share portfolios.
Sabal’s Bank Credit Advisory Practice (BCAP) provides advice to investors, investment bankers and financial institutions based upon credit-related due diligence ranging from policy and procedure review to ALLL analysis. Sabal deploys its professional loan review teams to evaluate loans, observe loan and portfolio management procedures and evaluate bank management skill sets. While on site, our team leaders provide interim reports to the client and highlight major findings, often daily. Sabal's BCAP provides analysis and conclusions tailored to the unique needs of each client.
We build a thorough understanding through various tiers of evaluation, including:
Preliminary ALLL Policy Assessment
Sabal Financial Group initially performs Preliminary ALLL Policy Assessments to determine management’s ability to assess and address the bank’s portfolio level losses. Our analysis begins with a review and commentary regarding the adequacy of written ALLL P&P. We then obtain, review, and summarize management reporting and any independent reviews and reports addressing ALLL, including CRE stress testing if performed. Based upon observations and conclusions gained from our earlier review, Sabal then performs Preliminary ALLL Stress Testing to refine early stage financial modeling and establish early stage negotiation. We determine Base Case/Best Case/Stress Case ALLL estimates to create an initial range of loss inherent in the reviewed portfolio.
Our findings culminate in a summary report outlining the methodologies used to address the adequacy of the board approved P&P and suggestions for enhancements, and a comparative report concluding an initial range of potential ALLL requirements and preliminary loss timing estimates. Top of Page
On-site Due Diligence
In order to validate modeled conclusions, Sabal then provides on-site, loan level due diligence services. Sabal deploys its professional valuation staff to directly evaluate loans, observe procedures and evaluate bank management skill sets. While on-site, team leaders provide interim reports to the client and highlight major findings as often as daily based upon the client’s communication requirements. Sabal performs these services professionally and respectfully, understanding that our on-site activities are a direct reflection upon our client.
The final deliverable includes a detailed written report discussing each asset type, major loan, and estimates of cumulative loss across a base and stress-case range. The report discusses the entire array of credit-related activities, including asset management functions, asset surveillance and impairment processes. This report is accompanied by a flat file containing reviewer notes and important valuation conclusions so the client can adjust assumptions to match late stage modeling requirements. Top of Page
Regulatory Asset Valuation Review Support
Sabal’s BCAP is skilled in the review of non-homogeneous loan portfolios and assets, including CRE, Multifamily, ADC, Land, Agricultural and OREO portfolios, and performs analysis and reviews subject to intense time pressures and restricted resources mirroring the due diligence parameters required of Acquiring Institutions. The resulting deliverable is an estimate of the Probability of Default, Loss Given Default and estimates of value for each loan pool at the sub-type level. Our diligence experience and procedures are routinely incorporated into reports involving troubled banks. These reports are well suited for Acquiring Institutions estimating losses in loan portfolios to be acquired under a shared loss agreement and for estimating loss remaining loan portfolios that are acquired subject to shared loss agreements. Top of Page
Shared Loss Agreement Termination
Sabal provides review and reporting used by Acquiring Institutions considering termination of a shared loss agreement. These evaluations provide the basis for initiating discussions with parties to the agreement. Sabal’s experience with AVR support translates well into this specialized estimate of loss within the acquired portfolio. The resulting deliverable is an estimate of loss for the entire portfolio by loan type a well as an estimate of Probability of Default, Loss Given Default and estimates of value for each loan pool at the sub-type level. Top of Page
Our asset management expertise spans the spectrum of CRE and ADC loans and real property investments with high level experience in maximizing risk-adjusted investment returns and meeting investor objectives. Based upon optimal servicing standards, Sabal creates an investor-approved asset management plan for each portfolio that produces measurable results, customized reporting and superior service.
ADC/Residential
Sabal asset manages more than $1.7 billion of ADC loans, residential and land loans and real estate throughout the United States. Sabal’s experienced asset management team brings leadership from all aspects of the industry: banking, brokerage, acquisitions, entitlement, and vertical and horizontal development. This experience and knowledge is backed by a robust ADC loans management technology platform. Sabal asset managers draw upon all of these tools to formulate and execute optimal business plans that produce superior risk-adjusted returns.
Commercial (CRE)
Sabal asset manages more than $1 billion of commercial property collateralized loans and real estate throughout the United States. Our expertise spans small balance to large balance commercial real estate loans, complex capital structures and non-performing CRE loans on both middle-market and institutional grade real estate. We bring together experience from the development, private equity, acquisition, brokerage, asset management, banking and construction industries, and matrix those skills across office, industrial, retail, multifamily and hospitality properties. The end result of Sabal CRE loans management services delivers collateral-focused business plans with thoughtful, tactical execution.
Local Market Knowledge
Understanding the nuances in local markets is a mainstay of successful real estate investing and management. Sabal partners or establishes strategic alliances with commercial operators/investors/developers as well as home builders and residential developers in our active markets to ensure superior market knowledge and execution. These alliances are typically established at the underwriting stage of the acquisition process and reinforced through the asset management function.
Sabal's broad experience in the capital markets management is a cornerstone in our ability to enhance risk-adjusted return performance with sensible financial strategies. Backed by a dedicated team and a coordinated capital markets management approach to dispositions and financing, Sabal advises clients on the best available solutions to meet their investment objectives.
Dispositions
In evaluating investment exit strategies, Sabal examines the opportunities inherent in single one-off dispositions as well as bulk sales. Strong market relationships drive our ability to identify inefficiencies among various opportunities to select an optimal plan. By identifying and monitoring trends in the marketplace and in our portfolio composition, our capital markets management team designates unique marketable asset clusters for disposition.
Portfolio Financing
Our capital markets team directs all portfolio financing activity, coordinates all due diligence and coordinates and closes the loans. By maintaining market relationships and monitoring market activity, our capital markets management team identifies appropriate lending prospects and manages an efficient process that matches the appropriate lender and portfolio.
Underlying an effective acquisition, servicing, and asset management operation is the critical need for clear, concise, consistent and thorough investor communications. Supported by a scalable and robust technology platform, our full-service finance department generates standardized reports to our investors as required under our operating agreements or as needed. Additionally, our fully integrated systems allow for an efficient audit process that provides full transparency and accessibility to servicing and asset management history and customized reports.
Sabal Financial Group is a leading third-party servicer of acquisition and development loans, commercial real estate loans and construction loans ranging from under $100,000 to more than $100 million. Sabal is experienced in providing commercial mortgage servicing to both multiple investors and regulatory agencies, meeting the full scope of loan servicing requirements throughout the life cycle of the loan.
Sabal deploys best in class commercial mortgage servicing systems that are fully integrated with our proprietary customer relationship management system to deliver consistency, a scalable platform and unsurpassed customer satisfaction. Our loan servicing business is further integrated with our portfolio management business, providing for increased efficiency and reduced operating expenses centered around maximizing loan repayment and returns.
Loan Setup and Servicing Transfers are efficient and seamless to the borrower and can be accomplished within 30 days. Information is electronically gathered and uploaded from any system with Sabal’s translation technology. Data is then manually verified against governing loan documents for accuracy. Appropriate communication is made with borrowers/guarantors immediately upon transfer.
Ongoing targeted servicing activities are performed with appropriate risk controls in place based on the specific needs of each asset to include:
Our Deliverables
Monthly investor reporting, borrower correspondence as scheduled or necessary, annual IRS reporting, general ledger and accounting reconciliations, internal and external audit reporting.
Customer Care Center
Hours: 8:00 am to 5:00 pm PST
Main Line: 877-900-6272
Facsimile: 888-611-9030
Email: customercare@sabalfin.com
Payment and Correspondence Address
Regular or Overnight Mail
Sabal Financial Group, L.P.
465 North Halstead Street, Suite 130
Pasadena, CA 91107
Payoff Information
Email payoff request to Payoffs@Sabalfin.com.
For third party requests, please provide borrower/guarantor authorization.
Sabal provides clients with advisory services for portfolio acquisitions with the same high degree of diligence that we employ in our own investments. Experienced professionals, sophisticated technologies and proven processes enable us to manage complex assignments and deliver consistent quality to our clients in the area of portfolio acquisitions and loan portfolio valuation.
Strong Technology Backbone
Sabal’s underwriting process relies on an integrated and robust technology platform to manage the large amount of data inherent in large loan portfolio transactions. We leverage this comprehensive system to assemble a thorough and detailed evaluation of the loan components and underlying collateral for every assignment.
Scalable
Our acquisition / portfolio underwriting process is suited for both small and large balance transactions in both small and large pools. Whether the portfolio is a few loans or a few thousand, $50 million or more than $3 billion, Sabal’s scalable system meets the needs of any loan portfolio acquisition.
Sophisticated Process Management
Sabal designs a critical path process management plan for each investment opportunity in order to ensure thorough underwriting and analysis within defined time constraints. This process utilizes our centralized, proprietary data warehouse to statistically evaluate current underwriting conclusions against empirical data. We are accustomed to managing large teams and complicated assignments, each time efficiently providing expert loan portfolio acquisition advice regardless of difficulty or size.
Superior End Product
Sabal utilizes advanced business analytics to deliver a comprehensive finished presentation for our investors. Our end product includes a well-organized summary presentation featuring high-level summary overview and analysis, detailed representative asset insights and a thorough financial presentation with sensitivity and alternative evaluations.
Post-closing Integration
A major advantage of our technology and underwriting infrastructure is the centralized record storage of all data acquired or created in the underwriting process. This data is warehouse alongside boarded loan information to maintain continuity, enable data extraction for trend analysis and eliminate any potential for input error.
Sabal provides the full scope of its comprehensive asset management services on a third party basis. Our experience in managing our own account gives us a principal's perspective when it comes to managing loan portfolios for our clients - a decided advantage in the realm of third party asset management.
Sabal Financial Group and affiliate entities have acquired more than $3 billion in performing and non-performing loans.
Sabal provides a complete solution for banks seeking to clear entire non-performing loan portfolios, including both CRE and ADC loans as well as other real estate-related loans. Sabal’s proprietary underwriting system is scalable to successfully meet a seller’s time requirements, whether the assignment involves underwriting a portfolio of 100 loans or 1,000. Our standardized process coordinates multiple concurrent underwriting activities, including site inspections, market assessment, file review and collateral analysis.
| Pool Size | Minimum $50 million, no maximum |
|---|---|
| Geography | U.S. and Europe |
| Collateral | Predominantly CRE (all property types) and ADC. Incidental other loans are acceptable. |
| Loan Status | Predominantly non-performing |
Investment Partners
Sabal has strong relationships with leading institutional and private investors with whom we partner in our investments. Our integrated approach to acquisitions involves our investment partners at the onset of a potential opportunity.
Financial Institutions
Our Bank Credit Advisory Practice (BCAP) has served more than 100 financial institutions across the U.S. in support of their capital raising efforts.
Investment Banks
Sabal's multi-faceted platform provides powerful resources that allow investment banks to leverage their efforts in bank M&A and loan portfolio advisory work.
Regulatory Agencies
Sabal has worked closely with regulatory agencies on numerous loan portfolio transactions and Bank Credit Advisory Practice assignments over the past two years.
Sabal Financial Group serves borrowers of CRE and ADC loans with a proactive, hands-on approach geared to meet the specific circumstances of each loan.
Customer Care Center
Hours: 8:00 am to 5:00 pm PST
Main Line: 877-900-6272
Facsimile: 888-611-9030
Email: customercare@sabalfin.com
Payment and Correspondence Address
Regular or Overnight Mail
Sabal Financial Group, L.P.
465 North Halstead Street, Suite 130
Pasadena, CA 91107
Payoff Information
Email payoff request to Payoffs@Sabalfin.com.
For third party requests, please provide borrower/guarantor authorization.
Sabal Financial Group specializes in the acquisition and management of distressed real estate loans and assets, and is an experienced provider of credit advisory services to the banking sector. As a national, diversified financial services firm with deep expertise in real estate and banking, Sabal has successfully completed a wide range of assignments for private equity partners, financial institutions, investment banks and regulatory agencies.
| Client | Private Equity |
|---|---|
| Subject | Publicly traded Bank Holding Company |
| Completed | September 2010 |
| Services | ALLL Phase I Evaluation & Credit Diligence Advisory Services |
| Client | Consortium of PE Firms and proposed Bank Management Team |
|---|---|
| Subject | $1B bank located in the Pacific Northwest |
| Completed | December 2010 |
| Services | ALLL Phase I & Phase II Evaluations; Credit Diligence Advisory Services |
| Client | Private Equity Investor |
|---|---|
| Subject | $1.7B loan portfolio |
| Completed | July 2010 |
| Services | Deal Sourcing; Portfolio Modeling; Loan level Due Diligence & Valuation; Price Modeling; Portfolio Acquisition; Servicing Transfer and Continuing Asset Management |
| TITLE | PUBLICATION | DATE |
|---|---|---|
| Sabal Buys Loan Portfolio | GlobeSt.com | 01/17/2012 |
| Sabal Gets $204M Portfolio from FDIC | Orange County Business Journal | 01/10/2012 |
| Sabal Announces $385M Loan Portfolio Buy | iStock Analyst | 10/31/2011 |
| Sabal Buys $153M Loan Portfolio | American Banker | 10/12/2011 |
| Small Investors Now Get Stakes in failed Banks' Loans | Investors.com | 10/06/2011 |
| Sabal Financial Group Acquires CRE Loan Portfolio | Commercial Property Executive | 09/15/2011 |
| Sabal Acquires Loan Portfolio, Names Brown Portfolio Manager | GlobeSt.com | 09/15/2011 |
| Newport Beach Firm Buys $158M Loan Portfolio | Orange County Business Journal | 09/14/2011 |
| Sabal Weighs Lending Platform Launch | Institutional Investor | 08/22/2011 |
| Expanding Sabal Acquires $212M Loan Portfolio | National Real Estate Investor | 08/16/2011 |
| Sabal Financial Names CRE Portfolio Manager | DSNews.com | 08/16/2011 |
| Defaulted Mortgages Draw Investors of All Sizes | Forbes | 07/08/2011 |
| Sabal Financial Expands with Oaktree Investment | GlobeSt.com | 06/24/2011 |
Sabal Financial Group is a leading edge diversified financial services firm that offers excellent opportunity for career growth in a dynamic work environment. Our success relies in great measure on the high caliber of professional that we attract. In return, we offer a high velocity opportunity for exceptionally high achievers.
The opportunities to excel at Sabal involve a breadth and depth of experience that cannot be found at larger institutions. We offer challenging roles in a fast-paced atmosphere, and frankly we’re not for the faint of heart. We encourage high performing individuals that gain personal fulfillment in their professional growth, passion in their work and pride in their accomplishments.
Sabal Financial Group continually strives to attract the best talent to the firm, whether you are a seasoned professional looking to advance your career or a recent graduate looking for an opportunity to grow. We are always interested in talking with ambitious individuals looking to apply themselves to a worthy challenge.
Sabal Financial Group has an entrepreneurial environment that encourages teamwork and innovation while driving optimal results for our clients. What makes us tick? Please see our thoughts on the guiding principles that drive our corporate philosophy.
We are actively looking to identify and meet prospective employees who share Sabal’s vision and want to contribute to its future success. Contact us today to learn more: openings@sabalfin.com.
Newport Beach Headquarters
Commercial Loan Operations Manager
Commercial Loan and Equity Underwiter
Corporate Development / Strategic Analysis Associate
Pasadena
London
For general employment inquiries, please send a resume and cover letter to openings@sabalfin.com
Sabal is an equal opportunity employer.
Headquarters
Sabal Financial Group
4675 MacArthur Court, Suite 1550
Newport Beach, CA 92660
1-877-900-6272
info@sabalfin.com
Pasadena Office
465 North Halstead Street, Suite 130
Pasadena, CA 91107
Borrower Contact Information
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Media Contact
IDEA HALL
Julie Fornaro
