Tenacious, hardworking Commercial Real Estate Lender with top ranking in the South Xxxxxx region. Skilled in all facets of banking operations including private banking and CRE lending. Adept in securing high-net worth-clients and fostering positive relationships with each to xxxxxxir them with credit and wealth management services to best fit their respective needs. Career history includes having to xxxxxxy for college, an experience that helped to develop a sense of character, discipline, and commitment. Still leverage first-class sales training obtained at CarMax at age 17, which serves as the foundation of existing sales skills. Continued on to commence banking career as a Teller at Bank of America and made first real estate investment at the age of 20. Engaged in other progressive opportunities over the course of an impressive career trajectory that includes business ownership and various roles at the Vice President level.

Client Relations | Cost Control | Customer Service | Decision Making | Efficiency & Safety Programs | OSHA

Equipment Maintenance | Interpersonal Communication | Inventory Control & Replenishment | Key Performance Indicators

Microsoft Excel, Word | Multi-Site Operations | Supervision | Order Receiving & Fulfilment | Organizational Skills

Microsoft Word, Excel, Access, PowerPoint | QuickBooks | Moody s Financial Analyst

         Joined the CRE Lending division in 2015 after winding down in previous role within the SAD Division; skillfully manage a portfolio of over $300M

         Work diligently on a daily basis to foster and sustain lasting CRE relationships with HNW individuals and real estate funds from across the U.S.

         Consistently surxxxxxxss production and net growth goals due to strong banking acumen

         Artfully negotiated settlement stipulations and forbearance agreements

         Mentored, guided and supervised a dynamic seven-person team

         Slashed the SAD Portfolio from $250M to $100M during tenure using effective dispositions and settlement agreements

         Negotiate settlement stipulations, loan restructures and forbearance agreements

         Swiftly developed a reputation as a fearless negotiator and deal finalizer due to exxxxxxxnsive network of contacts and interpersonal know-how; use these competencies to consistently surxxxxxxss both production and net growth objectives

         Reduced portfolio from $200M to $50M over the course of a single year, which led to a SAD Manager promotion

         Created strong personal relationships with many of the Bank s Board of Directors which resulted in them referring numerous relationships and instruction to various Community Business leaders

         Notably exxxxxxxnded personal network of contacts and COIs as a result of the aforementioned

         Managed an existing portfolio of over $75M and increased it to $100M; also exceeded all pre-determined goals during time spent with the comxxxxxxny

         Grew a strong network of contacts to exxxxxxxnd fivefold as the Bank s portfolio began to deteriorate in early 2010; placed in a dual role of managing existing portfolio of performing assets and serving as a Special Assets Office

         Represented the Bank as a member of several community, civic and trade organizations

         Prexxxxxxred the Concentration of Credit report for the Board of Directors using strong attention to detail

         Suggested and set into motion viable changes to the credit policy that served to enhance operations

         Underwrote and analyzes commercial and residential construction loans of all types, as well as corporate and fixed term loans

         Exited the banking industry to develop and run a family construction business, including the management of all administrative and on-site staff members

         Proved vital during daily project management functions; solicited and bid on new projects, as well as prexxxxxxred and executed contract documents

         Efficaciously developed and sold three spec homes on the West Coast of Xxxxxx

         Evaluated deals from both the banking and business owner perspective in order to reconcile the two

         Secured invaluable experience as a business owner, manager and leader as a result of this endeavor, as the role provided for first-ever leadership experience in career history

         Solicited lucrative new commercial real estate relationships

         Also, serviced and managed relations with current clients within an existing portfolio of over $100M; effectively increased the portfolio by $80M while serving in this caxxxxxxcity

         Underwrote and analyzed a diverse array of loan types including commercial, residential construction and fixed-term loans

         Surxxxxxxssed all goals as a result of determination, hard work and ability to establish positive business relationships with clients

         Xxxxxxrtook in formal Credit Training, developed by Ramiro Ortiz and Darren Lydting

         Engaged daily in Omega training and rotations across various dexxxxxxrtments

Bachelor of Science in Business Administration, Finance, University of Xxxxxx

Associate of Arts, Business Administration, Xxxxxx Dade College

Financial Accounting for Lenders | Commercial Loans to Business | Commercial Real Estate Loan Analysis

Analyzing Personal Cash Xxxxxxow | Xxxxxx Real Estate Sales Associate License | Certified Negotiation Expert (CNE Designation)

State Certified General Contractor (#CGCxxxxxx06) | Dale Carnegie Institute Leadership Graduate | Series 7 License (lapsed)

Active Xxxxxxrent Volunteer, Westminster Christian School

Board Member and Trustee, HistoryXxxxxx Museum

Member, Old Cutler Presbyterian Church

Former Chairman, City of Xxxxxx Xxxxxxrks and Recreation Advisory Board

Former Deacon, Crossbridge Presbyterian Church