AVP, Senior Credit Analyst Resume Example
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AVP, SENIOR CREDIT ANALYST
Summary
Accurate and detailed Financial Analyst specializing in commercial real estate loans and financial reporting. Dedicated team player.
Skills
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Experience
Enterprise BankAnaheim , CAAVP, Senior Credit Analyst03/2016 to Current
- Manage a commercial loan portfolio through customer contact, annual reviews, and monthly/quarterly reporting
- Responsible for performing annual reviews by analyzing and assessing the credit quality of existing commercial loans and guarantors in accordance with policy guidelines with the use of operating statements, rent rolls, commercial leases, personal financial statements and tax returns to determine risk rate through the use of cash flow analysis, write-ups, loan history analysis, and asset review
- Launched and currently manage the Sage Works system to monitor and track the portfolio to ensure timely receipt of financial statements, annual reviews and upcoming loan maturities Create various customized reports on Sage Works for management
- Ensure early identification of any potential problems arising in loan relationships
- Perform all customary searches, such as, Credit Reports, Lit and Liens, OFACs, Property Shark, and use of RIMS for Appraisal, Environmental, and Inspection Reports
- Oversee entire process of all Loan Sale projects
- Assist Senior Management with job related tasks.
WeaverFort Worth , TXSenior Analyst Portfolio Management / PM Analyst II / PM Analyst I11/2011 to 03/2016
- Performed annual reviews by analyzing and assessing the credit quality of existing commercial real estate loans and guarantors in accordance with policy guidelines with the use of operating statements, rent rolls, commercial leases, personal financial statements and tax returns - portfolio consisted of multi-family, coop, mixed use and commercial properties
- Recommended appropriate loan rating in accordance with established guidelines
- Provided guidance to Junior Analysts in order to ensure reviews are accurate and of the highest quality and train others in real estate analysis as needed
- Assisted Manager in the review of analysis prepared by Junior Analysts
- Kept abreast of market, industry and investment trends that may have an impact on the commercial real estate portfolio
- Obtained market/submarket data specific to vacancy allowance, collection loss, asking and effective rents, sales price and other pertinent information
- Interacted with borrowers and/or brokers as necessary concerning existing business and various mortgage and property related matters
- Developed and maintained various MIS reporting for the Portfolio Management department of the MF CRE division including weekly, monthly and yearly review production reports as needed for audit and management
- Developed and maintained the workflow report for Portfolio Management to assure timely completion of over 1000 loan reviews annually
- Reviewed property Inspection Reports and Appraisal Reports
- Contacted all borrowers and or management firms to obtain annual financial information
- Obtained information from public websites such as NYC tax bills, water bills, and building violations, and ordered appraisals and inspections
- Managed the follow up on deferred maintenance reported in the Inspection Reports.
Alaskausa Mortgage CompanyApple Valley , CACommercial Lending RepresentativeLoan Servicing Administrator11/2007 to 11/2011
- Support to Chief Lending Officer and all Loan Officers
- Worked with Attorneys on all closings
- Prepared documents, settlement sheets and set-up sheets for all commercial loans
- Ordered credit reports, appraisals, flood certificates, title reports and environmental reports
- Serviced and maintained all Letters of Credit
- Prepared payoff requests, lot releases and assignments for commercial loans.
BANK Of AMERICACity , STATEProfessional Teller09/2005 to 11/2007
- Continuously met or exceeded all sales and accuracy goals.
KRAMER SCIENTIFIC CORP/KINETEK CORPCity , STATEMarketing Coordinator01/1988 to 01/1990
- Managed all marketing strategies and administrative functions.
- Created all product literature using desktop publishing.
CITICORPCity , STATEAssistant Manager
*Database Administrator, MIS Operations Specialist and Foreclosure Unit Specialist01/1987 to 01/1988
JBS ASSOCIATESCity , STATESales Support Supervisor01/1985 to 01/1987
- Supervised the Sales Support Team for a nationwide sales force.
Education and Training
Bachelor of Science:Computer Information Systems Management and Marketing1985MANHATTAN COLLEGE, City, StateDean's Honor List Computer Information Systems Management and Marketing
Skills
administrative functions, cash flow analysis, commercial loans, desktop publishing, financial statements, Inspection, marketing strategies, sales, Sales Support, tax returns
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Resume Overview
School Attended
- MANHATTAN COLLEGE
Job Titles Held:
- AVP, Senior Credit Analyst
- Senior Analyst Portfolio Management / PM Analyst II / PM Analyst I
- Commercial Lending RepresentativeLoan Servicing Administrator
- Professional Teller
- Marketing Coordinator
- Assistant Manager *Database Administrator, MIS Operations Specialist and Foreclosure Unit Specialist
- Sales Support Supervisor
Degrees
- Bachelor of Science : Computer Information Systems Management and Marketing 1985
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