George O’Connor

Senior Commercial Lender

Brooklyn, NY

917-***-****

acd2hj@r.postjobfree.com

SUMMARY

Senior Commercial Lender with twenty years of extensive experience in the origination,

underwriting, analysis, lead generation and contract negotiation of multifamily and commercial

loans in the NY Metropolitan area.

Refined business development, negotiation, leadership and communication skills.

Financial Management and Business Development - Developed and directed high profile projects for

business and financial markets. Managed multi-million dollar portfolio's of small business and

commercial loan accounts in the New York Metro area. Key player in the creation and management of

new profit centers for two financial services companies.

Commercial Lending - Led the financial analysis required to make credit decisions. Performed due

diligence to complete the underwriting process. Approved credit facilities for business entities in the

form of commercial mortgages, credit lines to support working capital needs, short term loans for

acquisition of equipment, and construction loans.

Credit Training - Identified and quantified subtle business and credit risks. Trained, coached, and

managed staff in credit and financial analysis techniques.

Sales Campaign Development - Designed successful sales campaigns for the private banking and

financial services sectors, based on experience gained in banking over the past 20 years.

Community Involvement - Built profitable networks with members of the business community in

Metropolitan New York, New Jersey and Connecticut by developing and managing referral

sources from attorneys, CPA's, and small business associations.

EXPERIENCE

NorthEast Community Bank

VP, Commercial Loan Officer

09/2011 to present

Responsible for the origination, underwriting and analysis of multifamily and mixed use loans in the New

York Metropolitan area. Creating relationships with mortgage brokers and real estate industry

professionals, portfolio management. Preparing loan proposals to be presented to the Loan Committee on

a regular basis. Performed all physical property inspections and annual reviews.

TCRM Commercial, New York, NY

Senior Commercial Lender

02/2006 to 07/2008

Managed the origination, underwriting, and financial analysis of multifamily, commercial, conventional,

construction, business lines of credit and bridge loans in the NY Metropolitan area.

Achieved top performance in sales for entire company since first month of employment.

Created, managed and enhanced portfolio of business and commercial loans and business referral

sources.

Bayview Financial

InterBay Funding and Silver Hill Financial

New York, NY

Senior Commercial Lending Officer (NY, NJ, CT, PA region)

01/2005 to 02/2006

Established relationships with mortgage brokers and real estate industry professionals to originate

commercial mortgages. Managed tri-state portfolio of over 300 clients.

Performed complete underwriting and analysis.

Created sales presentations and management reports.

Exceeded goals and was consistently ranked in the top 5 in region in dollar volume of loans

closed.

Wachovia Bank, Stamford, CT

Vice President, Small Business Relationship Manager

062002 to 12/2003

Developed new business and enhanced existing portfolio of over 300 small business, multifamily, and

commercial loans and business demand deposit accounts. Performed detailed underwriting and financial

statement reviews and analysis. Job discontinued due to merger with First Union Bank.

Outperformed sales goals to be consistently ranked in the top 3 for the Northeast Region.

Completed formal credit training.

Fleetbank Boston, White Plains, NY

Vice President, Small Business Relationship Manager

01/2000 to 12/2001

Created new and enhanced existing portfolio of small business, multifamily, and commercial loans.

Performed detailed underwriting and financial statement reviews and analysis.

Job discontinued due to merger with Bank Boston.

Youngest Vice President in the region for #1 small business lender in U.S (2000-2001).

Top producer in every category of banking products from small business loans to demand deposit

accounts.

M&T Bank, Nyack, NY

Commercial Real Estate Underwriter and Analyst

1996 to 2000

Managed the underwriting due diligence process for the entire commercial division in the Northeast

region. Acted as the environmental liaison between the bank’s attorney and the environmental engineers

on all commercial real estate and construction loans. Performed all underwriting and financial statement

reviews and analysis.

Columbia Equities, Tarrytown, NY

1992 to 1996

Senior Underwriter and Team Leader

Managed Team of Underwriters for Freddie Mac Seller/Servicer

The financial analysis and underwriting of multifamily and commercial

loan portfolio of 300 loans. Job discontinued due to commercial loan portfolio sale

EDUCATION

Iona College, Hagan School of Business, New Rochelle, NY

M.B.A. Finance Program 1990

Mercy College, Dobbs Ferry, NY

B.S. Business Administration, 1986

SUNY Westchester, Valhalla, NY

A.A.S. Chemistry, 1996

NY Real Estate Appraisal Institute

NY State Appraiser License, Ethics, R1, 2003

ADDITIONAL INFORMATION

Computer skills - Microsoft: Access, Excel, Word, PowerPoint, Publisher, FrontPage;

Lotus 123, Photoshop, QuickBooks, Notes, HTML Design, Database Management.

Activities - Leader of New York City Travel and Adventure Social Network with over 1350

members, Certified professional snowboard instructor and surfer.

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