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Personable communicator with a background assessing risk while evaluating commercial real estate properties.
Experience building and growing relationships with colleagues and clients in a fast-paced environment.
Proficient with Microsoft Excel, Salesforce and Encompass software, and REIS, TREP and other databases.
Veteran, United States Air Force.
Commercial Credit Underwriter, Wallis Bank Houston, TX Nov. 2016-Present
Demonstrate expertise of SOP and SBA guidelines to underwrite conventional and SBA loans, ranging from $500,000 to $5 million.
Maintain responsibility for assets such as hotels and gas stations and convenience stores.
Present evidence of credits to the Loan Committee on a weekly basis.
Sales & Marketing Manager, Riz Energy June 2016-Nov. 2016
Generated leads to close new business for this electricity and natural gas broker serving residential and commercial customers in deregulated energy markets across the United States.
Analyst/Loan Officer, Cerberus New York, NY Nov. 2014-Aug. 2015
Performed underwriting of loans for a portfolio of residential properties backed by a single note.
Originated loans ranging from $500,000 to $5 million, including drafting term sheets and processing loans.
Communicated effectively with borrowers throughout entire lending process.
Analyzed loan size, LTV, DTI and LTC in order to assess loan risk and also performed lease and rent roll analysis, as well as reviewing tax and insurance documents to establish escrow payments for borrowers.
Completed presentations before the Credit Committee about loans, including detailed information on borrowers, collateral, risk and mitigating factors.
Analyst, Jones Lang LaSalle Houston, TX Mar. 2013-July 2014
Drafted real estate valuation appraisal reports in compliance with USPAP procedures, as well as real estate reports for multifamily, office, self-storage, hotel and retail properties for clients.
Inspected properties and developed appraisal conclusions by assessing rent and sales comparables.
Assisted with right-of-way litigation involving HEB and Macy s versus the Texas Department of Transportation, and worked with brokers and attorneys to help resolve tax disputes.
Credit Analyst, Comerica Bank Houston, TX Apr. 2012-Mar. 2013
Performed underwriting for commercial real estate, including multifamily, office and retail.
Analyzed credit risk by studying rent rolls, operating statements, financial statements and appraisal reports.
Calculated debt ratios, loan-to-value ratios, and other risk ratios to assess risk analysis on loans.
Created amortization schedules and performed guarantor analysis to assess credit risk.
Developed detailed and accurate financial models, as well as sensitivity analysis and cash flow projections.
Master of Business Administration (MBA), Finance, Dallas Baptist University; earned Dec. 2012
Bachelor of Arts (BA), General Studies, University of Texas, Dallas; earned Dec. 2006
Completed Credit Training, Credit Training Program, Comerica Bank; Apr. 2012
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