Real Estate Management
Resume:
LIRHAN K. LA MAR
** ********* ******* *. ******, NJ
07052
*******@*******.***
PROFESSIONAL SUMMARY
Seasoned banker and finance industry professional deeply engaged in the
fixed income buy-side and sell-side market disciplines. Chiefly focused in
credit risk due diligence, modeling, valuations and analytics, credit risk
management and enhancement, capital markets marketing and syndication as
well as liquidity management, derivatives and credit risk advisory
solutions within corporate and structured finance across the entire credit
risk spectrum particularly in the leveraged, crossover, high yield,
distressed & debt restructurings areas. Distinctly amassed the career
experience to adeptly manage diverse product portfolios from broad
Commercial and Industrial (C&I) sectors to Commercial Real Estate (CRE) to
Consumer Finance.
Specialized banking and capital markets career uniquely leverages
substantial global corporate and investment banking, recovery analytics at
a premier ratings agency and Big 4 credit risk advisory professional
experience yielding profound industry knowledge of breadth of credit risk
products and services coupled with critical depth of analytical rigor.
CAREER EXPERIENCE
Hudson Valley Bank N.A. New York, New
York
Senior Credit Risk Analyst - Vice President - Corporate Credit Department,
2012-Present
. Responsible for comprehensive credit risk valuations and analytics,
financial due diligence & assessment of crossover, leveraged,
distressed & restructured debt transactions in the syndicated capital
markets & direct bilateral financing deal transactions across the C&I
generalist sector complex and CRE with deal commitments up to $30MM
across various debt financing product type
. Charged with sector portfolio management of deal approval process
including structuring and modeling, crafting of credit approval memos,
oversight of transaction execution with product partners in addition
to asset quality surveillance and monitoring including restructuring
and workout
. Interface closely with institutional counterparts to identify and
support myriad of financings including recapitalizations, derivatives,
M&A & money-market cross-sell options in global portfolio of fixed
income assets and ensuring that all credit policies and procedures are
in compliance with internal guidelines including portfolio monitoring
and reporting & external regulatory requirements
Ernst & Young LLP Risk Advisory Services
New York, New York
Credit Risk Advisory - Manager - Financial Services Risk Management,
2009-2012
. Engaged by full spectrum of debt capital markets participants
providing Credit and Enterprise Risk Management suite of portfolio
management consulting services delivering solutions within enhanced
credit risk mitigation, credit ratings precision, performance
efficiency & capital preservation
. Responsible for provision of corporate and structured credit risk
management consulting solutions and services including: Fixed Income
Portfolio Risk Review & Monitoring; Audit assessment; Corporate
Enterprise Valuations assessment; Merger & Acquisition target due
diligence (FAS 141/142); Allowance for Loan & Lease Losses Reserve
Methodologies-ALLL (FAS/FAS 114; OTTI); Basel II/III; Dual Risk Rating
methodologies - Probability of Default (PD) and Loss Given Default
(LGD)-Estimated Loss (EL) estimation; Credit Grading Ratings Scale
Validation and Scorecard Recalibration; and Credit Policy/Procedure
implementation
. Provide comprehensive consulting services across the credit risk
universe across C&I generalist sector complex, Consumer Finance & CRE
in short-term, medium-term and long-term high grade as well as
leveraged, high yield, distressed & debt restructuring assets for
fixed income clients including commercial and investment banks,
private equity firms, hedge funds, asset managers & insurance
companies
Standard & Poor's Ratings Services
New York, New York
Recovery Ratings Analyst - Associate Director - Credit Market Services,
2006-2009
. Responsible for LGD, bankruptcy-emergence recovery valuation analysis
of leveraged, crossover, high yield and distressed/workout corporate
fixed income issuers across broad industry sectors primarily focused
in Capital Goods, Healthcare, Energy/Project Finance/Utilities,
Commodities/Natural Resources, Consumer Products, CRE, TMT & Financial
Institutions (FI) in the Debt Capital Markets
. Charged with origination of simulated default scenarios based on PD
point constructed on comprehensive due diligence and execution of
credit analytics including financial/business plan evaluation, cash
flow/liquidity, debt capacity, EV/DCF/LBO valuation, purchase price
allocation review (PPA), FAS 141/142, restructuring and liquidation
analysis & recovery waterfall on domestic & cross-border deals with
complex operating, finance & capital structures including structured
vehicles, derivatives (CDO; CLO; CDS; CMBS; RMBS; REREMICS; ABS; FX;
Swaps) & short-term funding
. Manage myriad of recovery projects, portfolio reporting and deal flow
effectively and efficiently across sector teams in addition to
maintaining high level of interface with broad investor base and
internal sector analysts, with particular focus and attention to
market demand identification and value delivery
The Bank of Tokyo-Mitsubishi, Ltd. (Mitsubishi Tokyo Financial Group)
New York, New York Corporate Credit Analyst - Vice President
- Credit Risk & IB Divisions,
2001-2006
. Perform comprehensive fundamental risk analysis, valuation and
structuring of syndicated debt transactions within the investment
grade and non-investment grade risk spectrums primarily focused in
the leveraged, crossover and high yield spectrums up to Co-Lead Agent
and Managing Agent top-tier roles and bilateral positions to $500MM
commitment level providing industry generalist coverage
. Responsible for portfolio management and reporting chiefly in
Healthcare, FI, Consumer Products, Commercial Real Estate (CRE),
Commodities/Energy/Utilities & TMT industry sectors including global
exposure tracking and credit risk reporting, credit ratings
affirmation, EL measure, Basel II capital levels & SOX
. Analyze full range of debt finance structures and cross-border
financings with pro forma cash flow and LBO modeling default risk,
PPA review, FAS 141/142 and debt service capacity, operating leverage
and capitalization along with deal flow including ABS, synthetic
leases, various derivatives (FX; Swaps; ISDA/CSA), other OBS products
and short-term money market asset funding
Industrial Bank of Japan (Mizuho Financial Group)
New York, New York Senior Credit
Analyst - Asst. Vice President-Credit Risk & IB Divisions,
2000-2001
. Credit risk assessment of leveraged, high yield syndicated and direct
bilateral debt transactions focused in Project Fin/Energy/Utilities &
Healthcare up to Lead Arranger & Managing Agent level commitments
. Construction of cash flow valuation models to quantify performance
threshold, refinance risk and default risk of speculative grade
companies under diverse deal structures for performing, distressed &
workout assets
Banca Monte dei Paschi, S.p.A. (BMPS)
New York, New York Senior Analyst & Relationship Officer - Credit
Risk Department, 1997-2000
. Conducted due diligence through credit risk analysis of
investment/high grade syndicated corporate finance transactions
including structured finance for Fortune 500/1000 companies with bank
participations including Senior Managing Agent-title level and
bilateral transactions up to $1OOMM commitment size across a broad
range of industry sectors within C&I and Commercial Real Estate (CRE)
. Constructed and analyzed financial projections in the valuation of
earnings, cash flow and financial condition in addition to the
portfolio management of broad industry spectrum of client book
First Fidelity Bancorporation (First Union Bank)
Newark, New Jersey Senior Credit Analyst - May 1996 - September
Formal Corporate Credit Training - December 1994-May 1996
EDUCATION AND PROFESSIONAL TRAINING
Chartered Financial Analyst (CFA) Candidate
New York, New York
Certified Credit Analyst (CCA)
Newark, New Jersey
New York University - Stern School of Business - First University Program
Newark, New Jersey
Masters of Business Administration - Concentration in Finance,
May 1996
Wesleyan University
Middletown, Connecticut
Baccalaureate of Arts Degree - Dual Major in Government and American
Studies, May 1992
SKILLS AND INTERESTS
Formal Credit Training, Microsoft Office, Bloomberg, KMV, Moody's MFA-
CreditEdge, PD Monitor, RAROC, ECCALC, Argus, IntraLinks, CapIQ, LPC, Fixed-
Income and Sell-Side Research, NBMBAA active member, NABA active member,
Keeper of Records - Kappa Alpha Psi Fraternity Inc., Tennis, Golf & Jazz
References furnished upon request
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