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Companies – Houston, TX – April – Present
– Situs Realty Services SRS
in delivering real estate analysis, underwriting,debt consulting and
loan surveillance services for commercial mortgage backed securities.
Analyzing all credit
aspect of CMBS transactions such as, property specific cash flow analysis,
financial modeling and formulating and substantiating a credit opinion,
and presenting transactions effectively and comprehensively to clients.
researching, analyzing, and writing real estate market summaries, property
description and other aspects of third party reporting.
analyzing and interpreting financial reports and historical trending.
of Canada USA – Builder Finance Houston, TX September April
Special Loans Analyst
Asset Resolution Group ARG
Provide direct support
to the Asset Resolution Officers in order to determine, manage, and
negotiate recovery strategies for home builder construction and development
loans in order to maximize capital preservation for the bank. Asset
Resolution portfolio includes over Borrowers and $ million
in outstanding commitments.
Perform Net Realizable
Value Analysis to estimate gain/loss to the bank that will affect bottom
Initiate and monitor
foreclosure process by working with outside bank counsel and generating
credit bid strategies prior to foreclosure.
Work with outside
bank counsel in filing deficiency claims post foreclosure.
and HUD statements to negotiate short sales and charge offs.
Participate in quarterly
FASB portfolio review to determine reserve and charge offs.
preparing loan modification, renewal write ups, and loan presentations
for borrowers ranging from $M to $MM. Loan modifications
release prices, interest rates, principal reduction payments, loan extension,
and lot release schedules.
Financial and Inventory
Note sales to third
Debt Restructure borrowers
Work with syndicate
bank partners in administering workout agreement with borrowers.
M.ntain and update
portfolio snapshots, NRVs, loan strategies, loan files, project
cash flow, project budgets, environmental reports, and appraisals.
Perform due diligence,
financial analysis, and review of problem loans.
of Canada – Builder Finance Houston, TX
Credit Analyst – Compliance and Monitoring
Team Leader duties
Train and support
other Credit Analysts
and inventory analyses of other Credit Analysts
Help test and develop
new credit analysis application
Partnered with Loan
Production Officers and Risk Managers for the production of credit packages.
loans and update the software systems to monitor the receipt of financial
and inventory information of borrowers using TCL The Construction Lender.
and inventory statements, including the utilization of various financial
M.ntained and monitored
internal database of financial loan covenants and inventory speculative
limitations of borrowers.
covenant compliance, reporting requirements, and performed month end
exception trending report of all borrowers for risk and senior management.
Contributed in annual
review of large borrowers through performing financial analysis and
review of K publications.
for Federal Reserve, Regional, and State audits.
projects as assigned by Management, includes: completing borrower
risk rating reviews for Risk Management, researching and verifying Single
Name Exposure of borrowers with $MM and greater.
BANK, N.A. Houston, TX
Representative May – Present
Organized and analyzed
daily production information for Area Sales Managers, Market President,
and Regional Managers for Countrywide Bank and Countrywide Investment
Services to review.
onsite training and support to Financial Services Representatives and
Financial Services Executives.
legal disclosures, notifications, etc., within the Financial Centers
to meet regulatory, legal, and policy regulations.
for monthly/quarterly Countrywide Investment Services sales campaign.
monthly staff scheduling of employees in the district.
Services Representative June – May
selling bank deposit and transactional products to customers.
Generated $ million
in production for Q
Generated $ million
in production for Q
banking relationships and made product/service recommendations.
Partnered with investment
representatives and business development representatives to maximize
Bank, N.A. Houston, TX June June
Sold retail banking
products and services to customers and prospects.
portfolio, serviced relationships and crosssold all products and services.
Provided broad base
of financial and credit services with the goals of acquiring % of
the customers’ business.
Used profiling analysis
tools to identify crosssell opportunities and made outbound sales calls
to increase product per customer ratio.
of America Bridge City, TX
coordinating disbursements during construction, ordering inspection
reports and title updates, creating new customer prospects for recently
closed files, and inputting financial details of loans into the computer
system for customers.
Business Administration with an emphasis in Finance
electives provide an emphasis in money, banking, financial markets and
institutions, financial analysis, investments, commercial banking, and
mortgage lending. Some coursework include business law, economics,
accounting, production management, organizational behavior, marketing,
statistical analysis, and office administration.
Management Association Courses:
Credit for Lenders