Terry Robinson has been active in lending for 22 years and is very experience in banking, commercial real estate, entrepreneurship and business. He was a young achiever, already serving as a branch manager at Amerifund Inc. at 20 years of age, growing one site to multiple branches and bringing significant production. He then opened his own mortgage firm and grew it successfully.
In 1992, Robinson pioneered a one hour real estate television show, the “Real Estate Showcase”, hosted by a local celebrity. In this era before the internet exploded, the show was the first of its kind in the U.S. Typically, residential buyers would have to spend all weekend driving to see properties. The television tours and concepts pioneered by Robinson gave consumers the ability to see the inside and out of homes from the comfort of their living room or office.
Terry joined Norwest Mortgage, and when Norwest merged with Wells Fargo, he was in the epicenter of Silicon Valley (and the dot.com explosion) and well positioned in the bank. Robinson moved to Countrywide as a manager who had one of the highest production levels in the U.S. Since his successes there, Robinson has worked independently in every facet of commercial real estate and lending, including debt restructuring, technology development, private equity and consulting. He revolutionized outdated sales and operation platforms by creating state of the art systems.
Terry founded Genesis Capital, pioneering the new market of “off market” transactions. The firm specializes in multifamily, retail, office and residential assets sourced from lenders and private sellers. He has experience in more than $1.2 Billion Dollar career transactions. Robinson is Co-Founder of Sunovis Financial, working with Mark Huddleston to create and grow the company.
The Lending Circle is part of the OFF MARKET ASSOCIATION and is a division of Sunovis Financial.
Charles (“Chuck”) Ramsey comes to Sunovis Financial with more than 30 years of lending and SBA experience. Not only has he worked at the U.S. Small Business Administration as a loan specialist, he also has broad and deep experience in banking and all aspects of loan underwriting, credit analysis, packaging, servicing and commercial lending. Chuck is a great asset for helping prospective SBA loan applicants at Sunovis Financial.
Ramsey’s banking experience encompasses both large and small banks. Chuck was a Vice President and Commercial Loan Officer at Bank of America for over a decade, handling SBA 7(a) and SBA 504 loans as well as commercial real estate. He structured, documented and underwrote SBA loans at Wachovia, and handled SBA and commercial loans at Exchange Bank, First Community Bank of Santa Rosa, Greater Bay Bank and Vision One Credit Union.
Chuck understands what both banks and the SBA need. He has also been a small business advisor as well as an active community leader. He organized a community group for local business chambers to interface with county government officials; organized a group to revitalize the Monte Rio downtown area to promote a safe and welcoming environment for businesses and tourists; and led a revitalization effort on Sacramento’s Broadway commercial corridor.
Mike Millikan has been highly involved in the financial service industry for forty years, specifically in banking and real estate, serving at various times as an internal executive, consultant or member of several Boards of Directors. His expertise at providing in-depth financial/profit analysis, has enabled a wide variety of business endeavors to grow and prosper.
About twenty years ago Mike decided to launch his own consultancy in Kansas, leading a myriad of projects for community banks, primarily in the compliance, loan review and strategic planning areas. He also helped launch two new banks, has been involved in other M&A’s, and owned parts of several banks, serving on the Board of some of them.
Prior to starting his own business, Mike served two tours of duty with the Comptroller of the Currency (national bank examiners), Vice President of two banks and Executive Vice President and owner of another.
In addition, Mike has 13 years of experience in real estate investing, both commercial and residential. He is a partner in an extended-stay residential property. He also, along with his wife and daughter, restored an historic property in Savannah, Georgia. This area won the 2003 Outstanding Restoration Project in the state of Georgia.
Mike holds both an MBA and a BA in Economics from the University of Kansas. He continues to serve on numerous Boards and hold key leadership positions in a number of community organizations.
Kathy Heshelow is the Media Director and a Principal at Sunovis Financial. Kathy has been involved in media and marketing for 26 years. She is a published author and writer, who has also been President of her own commercial real estate firm for more than 13 years. She was involved in the securities world for a number of years and was Chair of the Ethics Committee of REISA (Real Estate Investment Securities Association), winning a distinguished service award in 2010.
Kathy served as Investor Relations at Genesis Capital for several years. She has been on a number of boards and has started various companies, including a new video company for small businesses launching in 2013. She believes in the mission to assist small businesses today, to help them stabilize and grow.
Kathy lived abroad for 16 years, and managed offices in Paris and New York while there. She handled public relations for the Parsons School of Design Paris branch – Ecole Parsons. Kathy graduated from the American University of Paris, and has completed some graduate study
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