David B Ryan Email Address

Relationship Manager, Senior Vice President

Opus Bank is a California-chartered commercial bank. The Company provides relationship-based banking products, services and solutions to small and mid-sized companies, entrepreneurs, real estate investors, professionals and individuals. It is organized into four lines of business: commercial banking operations, which is referred to as Commercial Bank| retail banking operations, which is referred to as Retail Bank| merchant banking operations, which is referred to as Merchant Bank and correspondent banking operations, which is referred to as Correspondent Bank. Through these four lines of businesses, it offers a range of conventional and specialized financial products and services to its clients through divisions, such as commercial real estate banking| commercial banking| healthcare banking| technology banking| institutional syndications| fiduciary banking| business banking| corporate finance| private equity group| corporate advisory and correspondent banking.

TYPICAL CLIENT AND RELATIONSHIP: • Work with privately held companies (family own or sponsor) with sales from $5 million to $500+ million (I have customers with sales from -0- (start-up) to $1+ billion), OR EBITDA as low as $1 million (depending on location and industry of company) and some as high as $50+ million in EBITDA. Have clients in California (Northern & Southern), Arizona, Washington, Oregon & New York HOW I HELP PROVIDE CLIENTS “VALUE ADD” AS A TRUSTED ADVISOR: • “Quarterback” for any financing issues. If I cannot help directly, then I enjoy referring someone from my “Rolodex” or Opus Bank • Providing a “pulse” on the l business market • Make mutual introductions by initiating “business collaboration” by aligning my client base and relationships to help them grow their businesses • Acting as the clients advocate within Opus Bank to get the job done • Creating and developing innovative solutions by utilizing Senior lines of credit, capex lines of credit, term loans or mortgages to help a client with their liquidity needs • Work with all the shareholders (Owners, Managers, Sponsors (PE), Bank and Subdebt) to develop appropriate capital structure to satisfy all the shareholder’s strategic business plans • When appropriate, recommend other bank solutions such as retirement products, treasury management, private banking, and insurance to help meet client’s overall business needs. HOW I HELP RELATIONSHIPS AND OTHER PROFESSIONALS • As a Trusted Advisor to my clients and relationships, it is important to me to refer the best and most appropriate other professional service providers to my clients, such as CPAs, attorneys, M&A professionals, consultants, subdebt providers, equity sponsors and various service providers • Always seek to refer at least three professionals to my clients to let them pick the best fit