KENT QANDIL

Chantilly, VA ***** 571-***-**** adxgj2@r.postjobfree.com

CAREER PROFILE

Experience managing a production/credit/servicing term of six, and a prior role including co- managing a team of eleven. Extensive credit experience in all income producing property types with an average loan size of $20MM. Instrumental role in helping prevent the loss of $80MM in two problem loans and managed a portfolio as large as $8B. Maintained high credit underwriting standards while consistently supporting production goals of $190MM per year, and no losses. Helped create and implement new systems that enhance production. These accomplishments are achieved by mentoring and team building within the department, while taking down departmental walls and building bridges one person at a time. I have multi-faceted skills in risk management, CECL, and business development. Master’s and Bachelor’s degrees; multiple industry-related courses.

KNOWLEDGE & SKILL AREAS: Underwriting • Loan Pricing • Risk Grading • Financial Ratio Spread and Analysis • Appraisal & Credit Review • CRE Portfolio Management and Production • Loss Mitigation & Workouts • Loan Document Development • Loan & Income Forecasting • ALLL & CECL Pooled & Individual Loss Loan Calculations • PD/LGD Calculations • Team Leadership • Strategic Policy Planning • Project Management • Audit Response PROFESSIONAL EXPERIENCE

ATLANTIC UNION BANK – Reston, VA – July 2022 - current Credit Portfolio Manager - VP

Responsible for providing an independent perspective in underwriting and managing CRE loans. Partner with Relationship Managers, Team Leads, and Loan Closers in delivering credit solutions using nCino.

Lead the independent underwriting for new and renewal opportunities of existing and prospects clients with an assigned portfolio of nearly $200MM, with loans ranging from $10MM to $30MM. ANDREWS FEDERAL CREDIT UNION – Chantilly, VA – October 2021 – June 2022 Head of Commercial Lending - AVP

Overhaul of a $200MM commercial lending department: developed a comprehensive new CRE underwriting platform including strategy, staffing, reporting, policy, technology, wholesale lending, while responding to audit reviews both externally from NCUA, and internally.

Maintained and strengthen lending relationships with existing customers, Credit Union Service Organizations (CUSO), and loan participants (both as a lead and purchaser of commercial loans). Provided proposals to expand the existing warehouse line of credit, and develop new lines of business including FinTech opportunities and portfolio residential lending.

Staff development. In nine months, I was able to bring on new staff, develop new positions, and began to restructure the framework of the department by proposing a new and comprehensive overhaul of lending policy.

Automated call reporting by forming partnerships with accounting and technology.

Maintained and enhanced customer experience by soliciting the assistance of Andrew’s banking centers to screen viable lending options, freeing up administrative assistances to focus on loan closings and active loan processing.

KENT QANDIL, 2-571-***-**** adxgj2@r.postjobfree.com

COASTAL FEDERAL CREDIT UNION – Raleigh, NC – July 2012 – September 2021 Commercial Portfolio Manager

Ensure comprehensive support on $190MM in annual commercial real estate loan production, co-leading a team of loan officers, support staff members, and a credit analyst. Hold full accountability for management of a $600MM commercial real estate portfolio, including note sales, participations, and internal loan covenants. Oversee the full lifecycle for each deal, from inception to end; contribute to efforts on loss mitigation and general matters. Build and sustain external client relationships with Cap IQ, Equifax, Transunion, CoStar, Strategic Risk Management and CRMa.

Played instrumental role in the recovery of close to $80MM in loan loss recoveries for both the Credit Union and its participants.

Enabled an increase of nearly $20MM per year in production by developing an improved commercial real estate loan risk grading system that allowed for risk grading and more competitive loan pricing/spreads.

Cross departmental project leader of system enhancements for new loan pricing, risk grading, loan forecasting, policy change, and stress testing.

CREDIT SUISSE – Raleigh, NC – June 2006- June 2012 Financial Analyst - AVP

Managed all aspects of the commercial real estate appraisal review process within the CMBS market, establishing higher standards for lender protections.

Managed the fair market value of $50B in Residential Mortgage-Backed Security, as well as the fair market value of $10B in U.S., Europe, and Asia CMBS trading positions.

Built a database to house all CMBS real estate appraisal data, providing the Lending team with readily accessible and transparent information to improve the decision-making process.

Increased protections for the lending environment by developing improved contract terms for engagement of commercial appraisals, as well as stress testing and monitoring of the financial crisis housing write-down.

Oversaw the successful wind-down of $4B in Asia commercial real estate inventory. MIDLAND LOAN SERVICES – Overland Park, KS – Jan 2001 - May 2006 Asset Manager II

Oversaw CMBS management of an $8B portfolio. Analyzed property-level financial statements (including operating statements, balance sheets, and rent rolls) and property operations vs. operating budget/market. Monitored operating and construction budgets, assisted with preparing quarterly asset reviews, and reconciled loan draws for funding of construction, leasing, and capital costs.

Achieved the highest number and volume of closed commercial real estate loan assumptions from 2005 through 2006.

Built positive and productive relationships with various internal/external team members, including property managers, leasing agents, borrowers, client representatives, internal servicing department team members, and individuals from external organizations.

Developed and implemented a model to establish reserve hold back level. Additional positions provided upon request.

KENT QANDIL, 3-571-***-**** adxgj2@r.postjobfree.com

EDUCATION & CREDENTIALS

Master of Urban Planning, Housing Finance

UNIVERSITY OF KANSAS – Lawrence, KS

Bachelor of Arts in Political Science

UNIVERSITY OF KANSAS – Lawrence, KS

Professional Training/Certifications

Argus, 2006

RMA – Credit Analysis Management Seminar, 2018

MBA – Commercial Real Estate Mortgage Servicing, 2004 MBA – Analyzing Financial Statements, 2004

MBA – Construction Lending, 2003

MBA – Real Estate Law, 2002

MBA – Fundamentals of Underwriting Commercial Real Estate, 2002 Affiliations

Member, Orange County Board of Adjustments

Volunteer, Ronald McDonald House of Chapel Hill

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