New Jersey Community Capital － New Brunswick, N.J.Lending Officer
Originate commercial loans which are consistent with NJCC's mission and in compliance with NJCC's loan
policies and capital resources in order to meet annual loan production goals and objectives.
Actively maintain and cultivate relationships with new and existing borrowers, conventional banking partners,
including other CDFIs, referral sources and other NJCC constituents.
Work with the lending team to identify new and retain existing clients.
Identify capital projects within low and moderate-income communities beneficial to NJCC's existing products
Represent NJCC at community meetings, conferences, seminars, workshops and focus
to increase NJCC's position and presence in the community.
Maintain relationships with local government, private organization, community/real estate development professionals and
key stakeholders to increase NJCC's visibility in underserved regions of the state.
Loan Portfolio Management, Loan Underwriting and Closing.
Work with clients to gather financial, operational and organizational materials in preparation of
Conduct loan/project underwriting and due diligence, including financial, management
and impact analyses, capital pricing analysis, environment, market assessments,
program/product evaluation and discussion of potential project impact and outcomes.
Prepare Credit Approval Memorandum including presentation of final credit proposal to external Credit Committee.
Liaise with NJCC staff and outside legal counsel on preparation of commitment letters as well as
reviewing loan closing documents.
Oversee borrowers and NJCC staff in reviewing and processing loan advances.
On an as needed basis, provide technical assistance to borrowers in structuring their financing.
Review credit quality of existing loans in accordance with NJCC's policies and procedures.
Expeditiously and appropriately address any credit quality issues of existing loans to
mitigate potential loan losses.
Conduct a periodic review of loan policies and procedures and recommend appropriate changes.
03/2015 - 02/2016
Magyar Bank － New Brunswick, N.J.Government Lending Associate
Originated 7a/504 SBA loans from $150k- $5mm that aligned with the corporate mission and were compliant with
underwriting policies in order to meet annual loan production goals and objectives.
Conducted loan/project due diligence, including financial and management analyses; environment and market
assessments; collateral analysis, real estate analysis, credit analyses, cash flow models, and profitability models.
Managed and monitored industry-diverse SBA portfolio including annual reviews, periodic site visits, resolved payment
issues, approved recommendations on loan modification requests, renewals and extensions based on credit, financial, and
Oversaw loan sale transactions to secondary market.
Supported Government Lending Dept.
goal achievement, which provided 75% of Magyar Bank's retail revenue.
Exceeded revenue and customer retention goals through relationship building, outside service, cross selling, and referral
Provided technical assistance to borrowers to gather financial data and documents; structured financing.
01/2013 - 03/2015
Magyar Bank － New Brunswick, N. J.CRA Public Relations/Marketing Specialist
Marketed the Magyar Bank brand by cultivating relationships with organizations, corporations, and agencies specifically
in low and moderate income communities.
Launched and developed strategic nonprofit relationship strategy.
Reported to both CRA Officer and Director of Marketing in order to leverage core functions.
Assisted with the coordination of Magyar Bank's affordable housing programs (First Home Club, American Dream
Program, etc.); ensured that governmental qualifications were met.
Conducted financial empowerment training seminars and workshops to discrete populations to increase awareness of
products, grants and services.
Represent Magyar Bank at community seminars, meetings, and workshops to highlight bank awareness in the community.
Served as point of contact for the First Home Club program (Affordable Housing Program) participants; including intake,
financial documentation review, timeline management, and closing.
Analyzed and prepared all written requests for corporate sponsorships, grants, and contributions.
Balanced and reconciled monthly general ledger accounts.
Performed internal and external website analytics to make recommendations to improve viewer acquisition, usage, and
Produced accurate and compliant HMDA and CRA reports.
Accepted and packaged nonprofit grant applications; presented request to Board of Directors of Charitable Foundation
Continually managed website; incubated and launched social media platform.
Maintained and updated internal and external site.
Remained apprised of applicable lending regulations, residential mortgage underwriting, and financial institution
products and services.
10/2012 - 01/2013
Magyar Bank － New Brunswick, NJTeller
Promoted within 3 months of initial hire to Community Relations Specialist.
Ensured compliance with policies and procedures in all metrics of the teller line function.
Efficiently and accurately processed all customer transactions in a timely manner; alert for referral opportunities.
Middlesex County CollegeHigh School Diploma: Liberal ArtsLiberal Arts
banking, cash flow, Closing, commercial loans, Community Relations, conferences, Credit, client, clients, documentation, due diligence, financing, financial, financial and management, focus, general ledger accounts, Government, grant applications, grants, leadership, legal, letters, Local government, Director, market, Marketing, materials, meetings, messaging, Microsoft Office Suite, Organizational Skills, organizational, policies, pricing analysis, Program Management, proposal, Public Speaking, quality, Real Estate, relationship building, research, retail, selling, seminars, social media platform, strategy, strategic, strategy development, Strategic Planning, structured, technical assistance, Underwriting, website, workshops, written
Board of Directors- Eric B. Chandler Health Center
Board of Directors- New Brunswick Education Foundation
Co-Chair Young Professionals Committee of the Edison Chamber of Commerce
Annual Meals on Wheels
Annual Elijah's Promise Volunteer
Annual Read Across American Volunteer
Annual Habitat for Humanity Volunteer
SOCIAL MEDIA ENGAGEMENT
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