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Christopher M. Naghibi, Esq.

Executive Vice President - Chief Operating Officer at First Foundation Bank and 3 other companies
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Christopher M. Naghibi serves as Executive Vice President, Chief Operating Officer of First Foundation Bank (NYSE: FFWM) where he has executive oversight of the Bank’s credit organization, loan servicing, product and online banking operations; depository, specialty, treasury and commercial client service sales; and retail banking. He brings to the role a deep expertise in large volume institutional operations.

Mr. Naghibi joined First Foundation Bank in September 2007 and is a licensed attorney, real estate broker and general building contractor (Class B).

Prior to First Foundation Bank, Mr. Naghibi garnered an extensive background in a myriad of unique lending platforms. His time with Impac Commercial Capital Corporation, U.S. Financial Services & Residential Realty, and First Fidelity Funding equipped Mr. Naghibi with strong credit skills and broad experience in multifamily, commercial and single-family residence real estate lending, private banking, consumer lending and both small business and middle market lending.

Mr. Naghibi is also the Chief Executive Officer of Black Crown Inc. and Black Crown Law APC, which manage his private assets and related personal legal affairs.

Mr. Naghibi graduated with a Juris Doctorate from Trinity Law School and received a Master of Business Administration from American Heritage University alongside two bachelor degrees. Mr. Naghibi is also a graduate of the Yale School of Management Global Executive Leadership Program.

He is a published author and highly sought-after speaker, as long as the engagement doesn’t conflict with his son’s birthday. He is also the host of The Higher Standard Podcast which aims to provide free financial literacy, advice on entrepreneurship and be a resource for motivation to combat an increasingly toxic social media influenced world. He enjoys providing pro bono legal work for families in need and has worked with Habitat for Humanity to create unique loan programs helping to get deserving families into the home of their dreams in Hawaii, Las Vegas and California. As a former founding board member for She Built This City, he has helped empower women of all ages in sparking interest in the construction and manufacturing trades.

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  • Cheaper Fuel Prices Drive Surge in American Road Trips
    Christopher notes, "Cheaper gas is giving consumers permission to swap TSA lines for playlists and pit stops." With AAA predicting over a million more travelers, he anticipates a 2-4% rise in gasoline consumption. Regional price differences deter cross-country trips, favoring local travel. Ultimately, it's about the psychological win of affordable, flexible travel.
  • Spouse Cashing Paychecks: Legal Insights from a Banking Expert
    Christopher explains, “Banks require the payee’s signature and ID for cashing checks.” Joint accounts ease deposits, but cashing needs the payee or a notarized power of attorney. For absent spouses, a limited power of attorney is advised. Remember, banks prioritize legal protocols over personal relationships.
  • Blanket Mortgages: A Strategic Tool for Real Estate Investors
    Christopher explains that blanket mortgages are ideal for real estate investors needing to finance multiple properties under one loan. "Understand the lender’s release terms and manage risk across the portfolio," he advises. These loans require sophisticated underwriting and higher down payments, making them unsuitable for casual investors. Properly managed, they offer a streamlined financial solution for serious real estate players.
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  • Demand without affordability is not demand.

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