LAURENCE GLUCKMAN

Oceanside, NY ***** 718-***-**** ad4ca5@r.postjobfree.com linkedin.com/in/laurence-gluckman-86a99213

EMPLOYMENT

New York Community Bancorp, Hicksville, NY March 2010–February 2023

Vice President–Senior Internal Loan Review Analyst–Internal Loan Review April 2014–February 2023

Reviewed and validated over 2,500 CRE mortgage and C&I loan (including Middle Market, High Dollar, REIT, Syndicated and Construction) risk ratings and scorecards, analyze borrower’s financial, income as well as expense statements, rent rolls, and at origination.

·Ordered, examined and provided independent appraisal analysis on over 1,000 loans from different departments including Loan Workout, Real Estate-Owned and Allowance for Loan & Lease Loss.

·Critiqued and validated loans of properties with High Violations on the Bank’s internal Housing Preservation Department list.

·Analyzed criticized/classified loans and prepared memos on a quarterly basis to determine if new appraisal reports were needed.

Vice President–Financial Loan Analyst–Loan Recovery Unit March 2010–April 2014

Directly supervised 2 Junior Analysts and support staff in reviewing and validating over 3,000 appraisal reports for USPAP compliance

·Review valuations, evaluate borrower’s financial, income and expense statements, rent rolls, at origination and provide financial modeling and market analysis for bids and note sales.

·Reviewed residential appraisal reports for use as loan collateral

·Reviewed and Responded to FDIC compliance issues and questions

Independence Community Bank / Sovereign Bank New York, NY January 2003-May 2009

Vice President–Chief Appraiser NY Metro Region October 2007 –May 2009

Performed internal property evaluations and appraisal validations.

·Consulted and provided market data and analysis to loan officers for CRE and C&I originations and re-valuation.

·Developed an active list of approved vendors.

·Ordered and reviewed Commercial Real Estate appraisal reports for 8 offices.

National Commercial Real Estate division, Brooklyn, NY February 2006–October 2007

Assistant Vice President–Regional Chief Appraiser

Responsible for direct supervision of 23 appraisers and support staff in 5 offices nationwide.

·Delegated appraisal assignments, oversaw ordering, review and publication of valuation reports.

·Liaison with loan underwriting and compliance.

·Controlled accounts payable and negotiated all outside service contracts.

Staff Appraiser January 2003-February 2006

Responsible for writing full appraisal reports of multi-family, mixed-use, retail and office properties. Also responsible for file maintenance, loan compliance and property inspections.

William Shubert and Co., Bronx, NY January 2001-January 2003

Staff Appraiser

Completed narrative appraisals of multi-family, mixed-use, office and industrial buildings, automotive service and fuel/retail stations, free standing and strip retail, raw land, development sites and new construction.

EDUCATION

Bachelor of Arts, History, Lehman College, Bronx, NY

LICENSES/CERTIFICATIONS

New York State Certified General Real Estate Appraiser #46-42791

Risk Management by New York Institute of Finance on Coursera Certificate Earned January 3, 2024

Skills

Microsoft 365, Microsoft Excel, Microsoft Word, Argus, FiServ, Bloomberg

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