DANA R. ATKINS

**** *. ****** ***** • Phoenix, Arizona 85050 • 480-***-**** • acha0k@r.postjobfree.com

Performance driven risk professional with 15+ years of successful credit and finance experience and expertise in the commercial real estate, lending and payment processing industries. Exceptional combination of financial and credit risk analysis acumen coupled with dynamic interpersonal skills. Notable success in management of credit and operational risk departments of a Fortune 500 Company to include the launch of mobile and Point of Sale payment processing solutions resulting in a 72% annual increase in volume, while supporting emerging market expansion in Brazil.

PROFESSIONAL SKILL SUMMARY

Risk Management:

Financial, Credit and Operational Risk Management, Commercial Property Analysis, Valuation and Lending, Covenant Adherence, Payment Card and Mobile Payment Processing

Regulatory:

KYB/KYC, AML, Audit, Due Diligence and Compliance

Project Management and Process Improvement:

Asset Management, Loan Servicing, Project and Program Management and Implementation, Scheduling, Internal Control Development and Review

Business Development:

Client Development, Relationship Management, Customer Service and Focus, Sales and Negotiation, Contract/Agreement Review

Strategy and Leadership:

Drive for Performance, Conceptual and Analytical Problem Solving, Collaboration and Relationship Building Skills, Prioritization and Time Management, Decision Making, Effective Communication, Expectation Management, Budgeting, Employee Engagement, Presentations

EMPLOYMENT SUMMARY

PayPal, Inc., Chandler, Arizona 10/10 to 8/14

Manager, Credit and Risk Operations 5/12 to 8/14

• Oversight of multiple departments including onboarding for large and high risk merchants (processing volume in excess of $500K/mo.), onboarding for merchants using high risk products including mobile payments and card not present processing for U.S. and LATAM merchants.

• Establish and ensure productivity deliverables including a 20% increase in total net revenues. Manage departmental metrics, increase customer base by 14%, grow SOW, control cost per transaction, volume increase of 29%, reduction of contact rates, loss rates, recognition and incentive programs, leader and teammate development, customer experience including NPS/eNPS and EPS, business continuity, audit, attrition, escalations, monthly business review, compliance with regulatory requirements, while maintaining budget adherence.

• Direct, dotted-line or downstream people management of 50+ employees. Management approach to include situational leadership, behavioral based coaching, employee engagement, leverage and sponsorship of SMEs, provide developmental upskill opportunities, and set clear performance expectations ensuring training and tools to perform. Lead or attend learning sessions to enhance business acumen and build relationships. Share and expand company culture, vision, and departmental/individual strengths and opportunities and methodology for short/long term goals.

• Provide credit decisions based on signing authority of $1.6MM. Negotiate reserve structures with large merchants, sales or account managers to support business expansion while mitigating risk exposure. Provide manager concurrence on existing merchants under risk review.

• Collaborate with peer and cross-site managers, credit consultant, risk policy and OE to define and streamline workflows, prioritize queues, modify detections to manage workflows and focus on highest value leads, and delivery of results for special projects.

Commercial Underwriting Supervisor 8/11 to 5/12

• Monitor and manage production and quality of Commercial Underwriters and Quality Analyst. Interview, hire, train and promote employees; plan, prioritize, assign, and direct work; set goals, appraise performance; reward and discipline employees; address complaints and resolve problems; and termination of employees.

• Provide or obtain credit approval for large merchant processing accounts for U.S. and LATAM accounts. Establish and negotiate various reserve structures as deemed appropriate to mitigate risk exposure based on processing volume. Signing Authority of $1.0MM.

Merchant Risk Management Credit Underwriting Analyst 10/10 to 8/11

• Perform business model, financial and credit analysis, fraud review and compliance adherence to onboard large merchants. Establish and negotiate various reserve structures as deemed appropriate to mitigate risk exposure based on processing volume. Signing authority of $500K. Consistently exceeded quarterly productivity goals.

• Monthly reporting for department to present production goals and successes to Director.

• Train new hires during team expansion. Monitor and support productivity and quality of reviews to support cross-site leadership.

Wells Fargo, Phoenix, Arizona

Underwriter – Income/Tax Team (Contractor) 5/10 to 10/10

DANA R. ATKINS

4402 E. Tether Trail • Phoenix, Arizona 85050 • 480-***-**** • acha0k@r.postjobfree.com

Berkadia Commercial Mortgage (acquired Capmark Finance, Inc.), Tempe, Arizona

Client Relations Manager 8/09 to 4/10

• Master Serviced CMBS portfolio of 300+ nationwide loans of over $1 billion including payment monitoring, covenant reporting, lease review and SNDA approvals, tax and insurance compliance, escrow analysis & reimbursements, default resolution, assumptions, payoffs, etc., providing recommendations on all matters for lender’s course of action.

Investors Mortgage Holdings Real Estate Financiers (IMH Real Estate Financiers), Scottsdale, Arizona

Senior Real Estate Loan Analyst 2/08 to 5/09

Countrywide Commercial Real Estate Finance (CRF), Scottsdale, Arizona

Real Estate Loan Analyst 5/07 to 12/07

California Bank & Trust (Zions Bancorporation), Phoenix, Arizona

Officer/Real Estate Loan Analyst 8/04 to 5/07

Johnson Capital Partners of Arizona (previously Prudential and WMF Robert C. Wilson), Phoenix, Arizona

Loan Analyst 8/98 to 8/04

• Responsible for analyzing and pricing of commercial real estate loans ranging from $500,000 to $60 million for conduit and conventional bank loans with collateral locations across the nation. Prepared analysis summaries, presented facts, and offered opinions concerning credit-worthiness of borrowers via credit memorandums for review by loan committee.

• Conducted moderate to complex analysis of current and historical property income and operating statements and balance sheets, utilized adjusted historical statements to project future income projections and property performance to determine inherent strengths and risks of loan requests with regard to properties, markets and borrowers and create presentations for loan committee review.

• Performed tax return analysis, industry research, credit investigations, lease abstracts and analyses.

• Performed property inspections and complete property summary reports for loan servicing utilizing advanced appraisal techniques, statistics and principals.

PROFESSIONAL CERTIFICATIONS AND AFFILIATIONS

ToastMasters

Director, Arizona Commercial Mortgage Lenders Association

Member, Risk Management Association

Member, Women in Banking (RMA sub-association)

President, Arizona Commercial Mortgage Lenders Association

President Elect, Arizona Commercial Mortgage Lenders Association

2013-2014

2013-2014

2011-2012

2011-2012

2011-2012

2010-2011

Treasurer, Arizona Commercial Mortgage Lenders Association 2008-2010

Member/Committee, Arizona Commercial Real Estate Women 2008-2009

Member, Urban Land Institute 2008-2009

Phoenix Association of Realtors 2003-2009

State of Arizona, Real Estate Licensee 1996-2010

Supplemental Training

SOX, OFAC, AML, Fraud, Due Diligence, Diversity and Inclusion, Situational Leadership, Behavioral Based Coaching

SOFTWARE, TOOLS AND RESOURCES

Word, Excel, Access, Outlook, Adobe Acrobat, Publisher, PowerPoint, Admin, ATTACK, Microstrategy, Zoot, PRM, Baker Hill, Salesforce, BURRO, LAMA, PET, Kana, BPM, DNBI, Experian, Equifax, FastData, Frontline, Moody’s, Perception, Hoovers, Argus, TaxAnalysis, HotDocs, Backshop, Aviva/CLCS, McCracken, Pioneer EPM Suite (including EDM, Workflow, Eforms, etc.), Strategy, LoanView, Investor Query, MASK, Rumba (Hogan), CoStar, Pierce-Eislen, REIS, RealData, LoopNet, MLS

EDUCATION

Arizona School of Real Estate Phoenix, AZ 2001 Completed educational requirements for Appraisal Licensing

Arizona School of Real Estate Phoenix, AZ 1997 P.A.M. Certification

Bud Crawley School of Real Estate Phoenix, AZ 1996 AZ Real Estate License

University of Colorado Boulder, CO General Coursework

REFERENCES

Provided upon request.

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