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Senior-Level Credit Analyst
Commercial Underwriting | Credit Analysis| Portfolio Xxxxxxnagement
Organized and detail-oriented Real Estate Credit Analyst with over 10 years experience working closely with loan administrators to reduce lending risk. Adept at creating financial models and partnering with customers and attorneys to oversee the full underwriting process. Extensive experience conducting financial research and xxxxxxking presentations to executive teams. Strong current knowledge in assessment of credit worthiness and credit approval process.
Income Tax Laws
Real Estate Industry
Financial Software Products
Truth in Lending Act
REAL ESTATE FINANCE GROUP, Boston, XXXXXX 1998 2004
Credit Analyst, 1998-2002
Provided a high level of analytical support to Real Estate Financial Group by preparing objective and comprehensive analyses and reviews of complex commercial real estate loans, such as risk and mitigate analysis, stress testing, annual loan analysis and testing, and covenant and loan quality evaluations.
Handled the underwriting and syndication of loans for shopping centers for amounts ranging from $25M to $200M.
Gathered, organized and analyzed data required to ensure due diligences have been properly completed and deals are appropriately structured, documented and approved in a timely and efficient xxxxxxnner in accordance with Real Estate Finance Group standards.
Substantially decreased lending risk by articulately reviewing the creditworthiness of those companies applying for credit by analyzing and evaluating credit recovery applications, and gathering financial inforxxxxxxtion from credit bureau reports, income, savings and investments.
Interfaced with attorneys, customers, and closing teams to resolve issues and ensure a smooth underwriting process.
Monitored clients through financial and compliance reviews, evaluating ongoing collateral risk, and assigning risk ratings.
Vice President, 2002 2004
Promoted to Vice President of credit analysis/risk xxxxxxnagement with increased responsibilities, including quarterly and yearly compliance.
Completed underwriting responsibilities with a specialization in national and local developers and REITS.
Ensured all partners received a high level of service and prompt turnaround time on each and every credit decision, resulting in enhanced company reputation.
Trained employees in forxxxxxxl commercial underwriting and credit analysis, including recommendations of risk ratings, how to accurately complete cash flow analysis, and how to sumxxxxxxrize all findings during the analysis process.
Spread incoming business financial statements into finance software, including balance sheets and income statements.
Bachelor of Science in Finance and Xxxxxxrketing, Boston College, Boston, XXXXXX
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