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<pre>Array ( [var] => cut_url ) </pre> Resume for Sophie M. for Business Analyst / Financial Services in Macae, Brazil. Search More Resumes for Business Analyst on #D8HU2A2A6

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Resume for Sophie M. for Business Analyst / Financial Services in Macae, Brazil

Occupation: Business Analyst Industry: Financial Services
Country: Brazil City: Macae
State: Rio de Janeiro ZIP: 00000

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Sophie M.

Westheimer Rd.

Houston, TX 

Cell ..              

Work Experience 

The Situs Companies – Houston, TX – April – Present

Analyst – Situs Realty Services SRS

  • Provide support 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.
  • Responsible for researching, analyzing, and writing real estate market summaries, property description and other aspects of third party reporting.
  • Responsible for analyzing and interpreting financial reports and historical trending.

    Royal Bank 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 line.
  • 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.
  • Analyze details and HUD statements to negotiate short sales and charge offs.
  • Participate in quarterly FASB portfolio review to determine reserve and charge offs.
  • Responsible for preparing loan modification, renewal write ups, and loan presentations for borrowers ranging from $M to $MM.  Loan modifications include:
  • Establishing new release prices, interest rates, principal reduction payments, loan extension, and lot release schedules.
  • Financial and Inventory Analysis
  • Note sales to third parties
  • Debt forgiveness
  • Identifying Troubled 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.

    Royal Bank of Canada – Builder Finance    Houston, TX      April August

    Team Leader Credit Analyst – Compliance and Monitoring

  • Team Leader duties include:
  • Train and support other Credit Analysts
  • Review financial 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.
  • Established new loans and update the software systems to monitor the receipt of financial and inventory information of borrowers using TCL The Construction Lender.
  • Analyzed financial and inventory statements, including the utilization of various financial analysis software.
  • M.ntained and monitored internal database of financial loan covenants and inventory speculative limitations of borrowers.
  • Tracked customer 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.
  • Prepared portfolios for Federal Reserve, Regional, and State audits.
  • Performed special 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.

    COUNTRYWIDE BANK, N.A.       Houston, TX        June February

    Market Area 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.
  • Provided direct onsite training and support to Financial Services Representatives and Financial Services Executives.
  • M.ntain merchandising, legal disclosures, notifications, etc., within the Financial Centers to meet regulatory, legal, and policy regulations.
  • Monitored production for monthly/quarterly Countrywide Investment Services sales campaign.
  • Responsible for monthly staff scheduling of employees in the district.

    Financial Services Representative June – May

  • Responsible for selling bank deposit and transactional products to customers.
  • Generated $ million in production for Q
  • Generated $ million in production for Q
  • Analyzed customer banking relationships and made product/service recommendations.
  • Partnered with investment representatives and business development representatives to maximize sales opportunities.

    Wells Fargo Bank, N.A.  Houston, TX  June June

    Personal Banking Officer

  • Sold retail banking products and services to customers and prospects.
  • Managed customer 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.

    Log Lenders of America        Bridge City, TX     September December


  • Responsible for 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.


    Lamar University, Beaumont, Texas

    Bachelor of Business Administration with an emphasis in Finance

    Graduation Date:  May  

    Related Course 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. 

    Continuing Education 

    RMA Risk Management Association Courses:

    Financial Accounting

    Commercial Credit for Lenders 

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