Real Estate Customer Service

CRAIG D. DOLDREN

TELPHONE: 305-***-**** ( E-MAIL: ********@*******.***

Finance - Banking/Commercial Credit Analyst

Dynamic banking professional with over 18 years of retail /commercial

experience in credit initiation, financial analyses, risk management and

organizational leadership. Open-minded leader recognized for creative

thinking and effective problem solving. Outstanding relationship-building

skills

CORE COMPETENCIES

? Financial Analysis ? Risk assessment/

underwriting ? Supervisor Coaching

? Credit/portfolio administration ? Customer Service Relations

? Lender liability issues

? Strategic Management ? Regulatory Compliance ?

Problem Solving

PROFESSIONAL EXPERIENCE

Digital Risk Boca Raton, FL

June

2012 - August 2013

Forensic Loan Review Analyst II

. Provided underwriting findings to lenders to and investors regarding

deficiencies

. Reviewed employment documentation and re-calculate income

documentation for completeness and accuracy per guideline requirements

. Reviewed for guideline and USPAP

. Maintained thorough knowledge of tax return analysis and calculated

income for self-employed borrowers, including corporations, sole

proprietors and partnerships

. Verify proper licensing of parties to loans being reviewed

. Reviewed and analyze borrower's mortgage applications, credit reports

and related documents

. Analyzed individual loan files and determine compliance with

applicable lender guidelines

. Perform in-depth research to document critical credit documentation is

accurate (income, employment, occupancy, credit assets, valuation,

contract, HUD-1, interested party involvement)

Reason for leaving: (Contract ended with PNC Bank downsizing current staff

of 300)

BankAtlantic Ft. Lauderdale, FL

October

2011 - May 2012

Small Business Contract Underwriter

. Underwrite commercial real-estate, & small business loans, to extend

lines of credit for working capital with a focus on middle market C&I

& CRE credit (Upward from $100M to $3.5M)

. Strong knowledge of Commercial Special Asset Management, including

commercial real estate loan workout, complex deal structures,

Commercial collection experience, managing distressed assets,

Bankruptcy and related legal issues.

. Spread financial statements, calculated repayment ability, and

prepared credit summaries to facilitate credit decisions

. Analyzed to small and medium size corporations ( with emphasis on cash

flow, (EBITDA), commercial real estate, collateral and structure

. Reviewed loan to value ratios, and calculate debt service coverage

ratio to analyze repayment ability and evaluate specific transaction

risk

. Performed cash flow modeling, credit evaluation, income statement

analysis and underwriting of prospective agencies/clients

Reason for leaving: (Bank acquired by BB&T downsizing current staff)

Enterprise Bank Palm Beach Gardens, FL

July 2010 -

September 2011

Sr. Credit Analyst (Contract / Legent -Professional Staffing)

. Underwrote commercial real-estate, & small business loans, to extend

lines of credit for working capital (upward from $100M to $3.6 M)

. Prepared annual reviews to prepare the bank for an FDIC audit

. Analyzed to small and medium size corporations ( with emphasis on cash

flow, (EBITDA), commercial real estate, collateral and structure

. Worked closely with the managers and officers of the supported credit

production units (corporate, commercial real estate, private banking

and in some cases small business banking) to determine on-going

priorities for loans under analysis

. Analyzed corporate and personal financial statements to calculate

global debt service coverage ratio.

. Prepared criticized asset reports to determined key risk factors for

assigned loans and whether or not these are appropriately mitigated

. Assessed the underlying credit risk in each loan transaction (e.g.

cash flow analysis, projections and collateral analysis) including

preparing projections and conducting industry or project research as

needed

Reason for leaving: (Contract ended)

Sterling Bank Lantana, FL

March

2009 - July 2010

Sr. Credit Analyst (Contract / Robert Half International -Professional

Staffing)

. Worked closely with the managers and officers of the supported credit

production units (corporate, commercial real estate, private banking

and in some cases small business banking) to determine on-going

priorities for loans under analysis

. Analyzed corporate and personal financial statements to calculate

global debt service coverage ratio.

. Maintained thorough knowledge of tax return analysis for self-employed

borrowers, including corporations, sole proprietors and partnerships

. Spread financial statements, calculated repayment ability, and

prepared credit summaries to facilitate credit decisions

. Prepared criticized asset reports to determined key risk factors for

assigned loans and whether or not these are appropriately mitigated

Reason for leaving: (Bank seized by the FDIC)

Eastern Financial Florida Credit Union Miramar, FL

March 2008 - January 2010

Small Business Contract Underwriter

. Underwrote commercial real-estate, & small business loans, to extend

lines of credit for working capital & commercial vehicle loans

(Upward from $10,000 to $500,000)

. Maintained through knowledge of underwriting guidelines for several

out of state credit unions

. Spread financial statements, calculated repayment ability, and

prepared credit summaries to facilitate credit decisions

. Supported several credit unions in achieving or exceeding asset

quality and profitability goals by ensuring loans underwritten by the

small business underwriting unit adhere to loan policy and approved

pricing guidelines

. Reviewed loan to value ratios, and calculate debt service coverage

ratio to analyze repayment ability and evaluate specific transaction

risk

Reason for leaving: (Contract ended)

GreenPoint Mortgage, Deerfield Beach, FL

June 2006 -

February 2009

Mortgage Underwriter

. Underwrote 65 Conventional & FHA loan applications a month while

managing a pipeline of 65-80 units a month with an authorized signing

authority of $100M-$1MM

. Responsible for reviewing, appraisals, and analyzing, collateral risk

on residential loans

. Reviewed loan-to-value ratios, credit reports, and loan applications

to ensure that each loan meets underwriting guidelines

. Extensive experience with Fannie Mae's Desktop Underwriter and other

AUS systems

. Maintained thorough knowledge of tax return analysis for self-employed

borrowers, including corporations, sole proprietors and partnerships

Reason for leaving: (Company was purchased downsized and closed)

Coach Financial Services, Inc., Cooper City, FL

May 2005 - May 2006

Credit Manager

. Direct and supervised credit department of 8 associates

. Underwrote commercial loans to extend lines of credit to fleet

operators (upward from $500,000 to $2 million) and provided commercial

automotive leases

. Performed financial analysis to determine credit worthiness of small

to mid-size businesses

Reason for leaving: (Company was sold & closed)

Valvoline / APAC, Alpharetta, GA

June 2003 - May 2005

Commercial Credit Analyst

. Underwrote commercial loans to extend lines of credit for,

aggregates, asphalt, ready mix concrete and lime rock for

construction and paving services (upward from $100,000 to $1 million)

. Managed all aspects of credit accounts for corporate, government and

non-profit entities with a receivables base approximately of $50

million dollars and managed 1,500-6,000 customers by monitoring

customer's accounts for past due balances

. Performed cash flow modeling, credit evaluation, income statement

analysis and underwriting of prospective agencies/clients

. Exercised prudent control and good credit judgment to maintain and

improve the sales potential of the company while protecting

the accounts

receivable investment of the company by reducing bad debt loss

. Analyzed D&B reports, trade and bank references to determine credit

worthiness of small to mid-size business

Reason for leaving: (Company was purchased and downsized)

Wells Fargo Home Mortgage, Ft. Lauderdale, FL

August 2001 - May 2003

Mortgage Underwriter

. Underwrote 70 Conventional & FHA loan applications a month while

managing a pipeline of 65-80 units a month

. Verified loan credit attributes fall with appropriate guidelines,

including debt to income ratios, LTV/CLTV restrictions, mortgage, and

credit histories

. Extensive experience with Fannie Mae's Desktop Underwriting and other

AUS systems

Reason for leaving: (Relocation to Atlanta, GA)

Whitney Bank, Tampa, FL

August 1999 - July 2001

Sr. Credit Analyst

. Underwrote commercial loans to extend lines of credit for working

capital (upward from $ 100,000 to $2 million)

. Responsible for preparing a financial analysis for commercial loans to

facilitate credit decisions

. Spread corporate and personal tax returns and calculate debt

coverage ratio to analyze repayment ability on Real Estate and Asset

based loans

. Analyzed and evaluate cash flow, financial performance, financial

ratio/trend analysis, through a written analysis focusing on repayment

ability and the quality collateral

Chevy Chase Bank, McLean, VA

November 1995 -

July 1999

Credit Analyst II

. Underwrote commercial loans to extend lines of credit for working

capital (upward from $ 25,000 to $1 million)

. Prepared comprehensive credit analysis on complex loan transactions

and presented credit recommendations to loan committee

. Spread corporate and personal tax returns and calculate debt

coverage ratio to analyze repayment ability on Real Estate and Asset

based loans

EDUCATION

Florida Metropolitan University, Tampa, FL

Howard University, Washington, DC

Master in Business Administration

Bachelor of Business Administration (Finance)

Awarded: July 2001

Awarded: May 1999

SPECIAL TRAINING

Formal Credit Training, provided by the American Institute of Banking,

provided the opportunity to understand the functions and activities of a

commercial loan department in a full service bank. The training emphasized

credit judgment and included credit investigation, interviewing techniques,

collections management, direct and indirect open-end installment credit,

compliance with federal regulations, leasing, insurance, rates and yields

and variable rate financing.

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