Experienced Commercial Real Estate (CRE) lender with more than 15 years of real estate experience. Strong network of CRE contacts leading to consistent production. Thorough background of commercial and multifamily underwriting, coupled with hands-on asset management expertise. Motivated self-starter with ability to manage multiple tasks of competing priorities. Formal credit training complimented with strong real estate finance analytic skills.
More than fifteen (15) years of commercial real estate lending experience. Awarded most production for a new LPO. Top ranked Loan Producer and Closer in a six state region for two years (2007 & 2008). Thorough knowledge of conventional loan requirements and general real estate law. MBA, MSA, CPA candidate, Lis. FL Real Estate Broker
Developed a base of clients through networking and strategic marketing in a assigned territory.
Originate Commercial Real Estate (CRE) term loans.
Establish new lending relationships, performed complex loan analysis, deal/loan structuring, property inspections and term negotiations, coordinated loan closing and as required conducted collection and workout remedies.
Produced $16MM annually in closed commercial R/E loans (current).
Successfully developed business in new markets producing in excess of $40MM in 2007 and $56MM in 2008.
Top Ranked Producer and Closer' in six state region for two years (07, 08).
Oversee a portfolio of non-performing assets secured by real estate;
Formulate opinions of value supported by market research and third-party reports;
Develop business plans addressing any performance issues and recommending course(s) of action to resolve the same to achieve the highest net recovery value possible;
Responsible for monitoring the reporting process, ensuring timely delivery of all reporting.
Originated CRE debt from $100K-$10MM for Middle Market Companies ($500K-$12MM annual revenues) Multi-Family, Retail, Office, industrial parks, medical office, NNN, single-credit-tenant, & owner-user properties.
Called on real estate developer/investors manufacturers, wholesalers, attorneys, doctors and CPA's.
Developed new relationships, performed deal underwriting and analysis, structured loan and negotiated terms, on-going relationship management, and collection/workout of problem loans.
Originated CRE debt from $500K-$15MM for Middle Market Companies ($2MM-$20MM annual revenues) Multi-Family, Retail, Office, industrial parks, medical office, NNN, single-credit-tenant, & owner-user properties.
Originated C&I and CRE debt from $500K-$20MM for Middle Market Companies ($2MM-$20MM annual revenues) Multi-Family, Retail, Office, industrial parks, medical office, NNN, single-credit-tenant, & owner-user properties.
Called on real estate developer/investors manufacturers, attorneys, doctors and CPA's.
Developed new relationships, performed deal underwriting and analysis, structured loan and negotiated terms, on-going relationship management, and workout of problem loans.
Closed $18MM, $24MM, and $20MM in new CRE and C&I loans in 2004, 2005, and 2006, respectively.
Set-up and managed commercial real estate Loan Production Office (LPO).
Perform all loan underwriting on commercial & multifamily to determine general creditworthiness.
Approved loan request within my $1MM signing limit.
Directed personnel, trained and handled labor relations activities.
Grew commercial portfolio from $0 to $160 MM by April 2004.
Achieved company recognition for 'Most Outstanding Production'.
Mentored, coached and trained 12 team members.
Exceed budget objectives for loan growth and income while maintaining expenses at or near budget.
Managed CRA lending efforts including CRE & C&I lending.
Originated SBA, CRE and Low Income Housing Tax Credits (LIHTC).
maintained and serviced an existing loan portfolio consisting of construction,
interim, and mini-permanent
real estate mortgages.
Managed a regional Private Equity Fund (PEF), funding multifamily real estate.
Supervised day-to-day operations of commercial real estate investment fund with combined assets in excess of $100 million comprised of Low Income Housing Tax Credits (LIHTC) projects.
Managed first mortgage and construction financing.
Established credit policies and procedures.
Managed fund accounting, construction administration, portfolio management and asset management functions.
Analyzed and underwrote all C&I and CRE deals and made recommendations and presentations to Investors.
Performed loan workout functions - collections duties, debt restructuring debt, and note sales.
Supervised special asset personnel to minimize losses.
monthly reports to BOD and 20 plus Institutional Investors.
accounting, asset management, finance, banking, closing, Certified Public Accountant, credit analysis , R/E loan officer, financing, analyze financial statements, funds, cross sell, Hunter mentality, self-managed, critical thinker, loan structure & pricing, production, sales activities, accomplishment of goals, accuracy and regulatory compliance, commercial real estate, relationship management, operations manager, business management and development, team player, sales and negotiation skills, active client base, 5 years, 7 years, and 15 years commercial lending officer, Top-ranked loan production officer, Accounting (Yardi & QuickBooks Pro) and finance background, Internet and advanced Microsoft Word and Excel Skills: Pivot Table, Vlook up & Hlook up, Filtering
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