Commercial Real Estate Underwriter that uses independent judgement to identify risks and mitigants, prepares and recommends loan offerings by analyzing credit, collateral strength and financial worthiness of a loan. Successful with managing and maintaining a real estate portfolio of over $600 million in bank exposure consisting of multifamily, retail, industrial, and REIT credits.
Commercial Real Estate Underwriter , 12/2012 to Current PNC Bank – Chicago, IL
Prepare loan offerings and evaluate the level of risk by determining the loan-to-value, collateral and guarantor strength, debt service coverage, and NOI for real estate construction and term loans ranging in size from $10 million to $200 million.
Analyze third party appraisals and environmental reports, PNC Market Research reports, General Contractor financials and background, and the Borrower's ownership structure and cash flow to determine strength of the deal.
In-depth knowledge of multifamily, retail, industrial and REIT transactions in the Southeast and West Coast markets.
Provide recommendations for credit structuring and work with deal team to enforce credit policy.
Perform quarterly, semi-annual and annual periodic reviews for existing portfolio consisting of over $600 million in bank exposure.
Completed formal Credit Training.
BCS Loan Processor II, 06/2011 to 12/2012 Citizens Bank of Pennsylvania – Pittsburgh, PA
Assisted underwriters with the overall preparation of a commercial loan for underwriting and worked as a team to complete required monthly goals and projects for portfolio management.
Processed new money applications, renewals, and modifications with a total credit limit greater than $1,000,000.
Analyzed commercial loan structure and collateral to determine the necessary due diligence that needs ordered (third party reports, lien position, and flood hazard reports).
Corresponded with Relationship Managers in the Business Banking and Commercial Enterprise Banking segments to ensure a complete loan package, with all required financials for all of the borrowers and guarantors, was submitted for underwriting.
Review and analyze the acceptability of incoming loan documentation, update the financial reporting system (CRM Dashboard), and support the maintenance of the virtual credit file.
Graduate Assistant, 08/2010 to 06/2011 Clarion University of Pennsylvania – Clarion, PA
Assisted professors in the Administrative Science and Economic Departments and allocated time between four professors each week to meet required deadlines.
Used judgment and discretion to manage grades for students each semester and organized data on Desire 2 Learn website.
Experience with MS Office Applications and Statistical Analysis Software.
Customer Service Representative, 05/2008 to 05/2011 Fidelity Bank – Pittsburgh, PA
customer service and assist customers with their banking needs by efficiently processing transactions.
Experience in administration and the commercial lending department.
Collaborated with co-workers at different locations with the willingness to travel as a floating teller.
MBA: Master of Business Administration, 2011 Clarion University of Pennsylvania - Clarion, PA
Bachelor of Science: Business Administration , 2010 Clarion University of Pennsylvania - Clarion, PA
Double Major in Business Management (3.86 GPA) and Industrial Relations (4.0 GPA)
Minor in Economics
Graduated Summa Cum Laude
PNC Grow Up Great Volunteer Work (2013-Present)
Society for Human Resource Management (SHRM) - Vice President (2010-2011) and Secretary (2009-2010)
Society for the Advancement of Management (SAM) - Secretary (2008-2010)
Honors and Awards Dean's List (each semester)
Beta Gamma Sigma (Business Honor Society)
The National Scholar's Honor Society Administrative Science Scholarship (2009, 2010)
Letter Winner in Softball at Clarion University (2007)
Joseph Knowles Scholarship (2007) Tippin Athletic Scholarship (2007)