Accurate and detailed Financial Analyst specializing in commercial real estate loans and financial reporting. Dedicated team player.
Skills
Advanced computer proficiency
Financial reporting expert
Self-motivated professional
Superior time management
MS Office Suite
Sage Works, RIMs, Visio, Notary Public
Experience
FIRST CENTRAL SAVINGS BANKGlen Cove, New YorkAVP, 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.
ASTORIA BANKJericho, NYSenior 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.
PEOPLE'S UNITED BANK/BANK of SMITHTOWNHauppauge, NYCommercial 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 AMERICASelden, NYProfessional Teller09/2005 to 11/2007
Continuously met or exceeded all sales and accuracy goals.
KRAMER SCIENTIFIC CORP/KINETEK CORPYonkers, NYMarketing Coordinator01/1988 to 01/1990
Managed all marketing strategies and administrative functions.
Created all product literature using desktop publishing.
CITICORPNew York, NYAssistant Manager
*Database Administrator, MIS Operations Specialist and Foreclosure Unit Specialist01/1987 to 01/1988
JBS ASSOCIATESRingwood, NJSales 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, Riverdale, NYDean's Honor List Computer Information Systems Management and Marketing
