Management Real Estate

Mamady A. Koita

**** ******* ****** *** *****, Brooklyn, New York 11221

Cellular Phone: 417-***-****; E-Mail: ******.*@*****.***

QUALIFICATIONS SUMMARY

Over 4 years of solid commercial credit analysis experience. Formal credit

trained. Strong expertise in corporate credit analysis/lending. Solid

experience in underwriting commercial real estate, C&I (Commercial and

Industrial) loans, term loans, working capital lines of credit, and letters

of credit. Extensive working knowledge of financial statement spreading

using Moody's KVM. Strong experience in collateral valuation and loan

portfolio stress testing methodologies. Extensive international

experience, with deep understanding of diverse cultures and business

practices. Strong analytical skills, energetic team leader with good

communication skills; results oriented team player with strong problem

solving skills. Persuasive public speaker and presenter. Bilingual English

and French. U.S. Green Card holder (Permanent Resident).

RELEVANT WORK EXPERIENCE

Union Center National Bank, Department of Commercial Lending, Union, New

Jersey

Senior Credit Analyst/Underwriter

January 2008-Present

1. Spread business/local government financial statements using Moody's

KVM

2. Review and analyze Borrower's financial data (Business Tax Returns,

Audited Financial Statements, Form 10-K etc..) and Individual

Guarantors' financial information (Individual Income Tax Return, K-1

Schedules, Credit Bureau Report, Personal Financial Statement) and

legal documents (Certificate of Formation, Operating Agreement,

Leases, Rent Roll, Contracts, Appraisal, Environmental Reports) to

determine the strengths and weaknesses of proposed loans, assess

risks, and make recommendations to loan officers and loan committee

for appropriate lending decisions

3. perform cash flow analysis and projections, evaluate industry trends,

consult with loan officers, accounting firms, and customers to ensure

comprehensive technical review of loans

4. Prepare Loan Approval Summary document (underwriting memorandums) for

senior management review

5. Establish parameters for regulatory compliance within the lending

division

6. Stress test commercial loan portfolio

7. Provide support to Chief Credit Administrator in responding to Bank

Regulators' request

8. Perform credit reviews and renewals, monitor and evaluate under-

performing loans and assign risk grades based on Cash Flow

Performance, Balance Sheet Position, Debt Coverage Ratio, Loan-To-

Value Ratio and Value of Collaterals (including Real estate

properties, Cash, Marketable Securities, Accounts Receivables, and

Inventories).

9. Financial analysis of Third-Party Service Provider (Vendor) for Risk

Management purpose

10. Examine loan agreements for compliance and validity of appraisals

11. Train and oversee Junior Credit Analysts; edit and provide feedback

and commentary on Analysts' work (Credit Memorandum), ensuring

quality, accuracy and completeness of loan presentations

Great Southern Bank, Department Commercial Lending, Springfield, Missouri

Credit Analyst

July 2006-January 2007

. Compiled and analyzed credit and financial information of current and

potential Commercial Banking business customers

. Prepared Loan Approval Summary documents(write-up) and presented to

loan committee and senior management

. Provided support to Loan Officers in monitoring existing loan

portfolio

. Ensured compliance and operational risk controls in accordance with

company and regulatory standards, policies and practices; reported

control weaknesses, compliance breaches and operational loss events.

Completed other related duties as assigned.

. Supported the Bank's diversity programs.

Bank Management and Credit Analyst Trainee

January -June 2006

. Successfully completed Bank's Intensive Credit Training Program

12. Studied banking regulations such as: Customer privacy Act, Bank

Secrecy Act, Office of Foreign Asset Control, Customer Transaction

Act, Customer Identification Program and Fair Lending Practices

13. Studied and learned about different types of loan, loan approval

process, and loan servicing

Multicultural Resource Center, Missouri State University, Springfield,

Missouri

Graduate Assistant to the Director of Multicultural Student Services

August 2004-June 2006

. Managed daily operations of University's Multicultural Resource Center

14. Strengthened the university's Public Affairs Mission by facilitating

community service through increased diversity and cultural awareness

seminars and maintaining a library of videos and printed materials

15. Educated students and community about issues affecting the third world

countries continent through presentations and discussion panels

City of Springfield Local Government Offices, Springfield, Missouri

Management Intern

August 2005 -December 2005

. Researched and provided report related to fund crisis and management

of public and private pension plans for the Police and Fire

departments

. Attended the City Management Team weekly meeting and made

recommendations as necessary

World Education (WE), Mali division, Bamako, MALI

Assistant to Grant Manager

Summer 2004

. Analyzed and projected coming fiscal year budgets for eight regional

WE Offices

. Monitored daily expenditures for eight Regional Offices to prevent

budget over-runs

. Established work contract for approximately 50 temporary and permanent

employees

SNK-BTP-MALI (Construction Company), Bamako-Mali

Chief Operating Officer

November 1999-December 2001

16. Lowered employee turnover rate from 25% to 5% by implementing an

employee-centered management style

17. Increased customer satisfaction from 65% to 85% within eighteen months

by lowering absenteeism and increasing employee motivation and buy-in

with organizational goals

18. Prepared and monitored four departmental budgets

19. Managed and supervised all aspects of human resources for over 168

full and part time employees including health and benefits packages,

monthly payroll, hiring, training and compliance with labor laws

20. Negotiated with primary health care agencies for workers' health

benefits packages

21. Conducted weekly management meetings, with CEO and served as interim

CEO in his absence

EDUCATION

Master of Business Administration (MBA), Finance and International

Management

Missouri State University, Springfield, Missouri

May 2006

Master of Public Administration

(ENA) National School of Administration of Mali, Bamako, Mali

June 1999

Certificate, English Language Institute

Missouri State University, Springfield, Missouri

December 2002

HONOR/VOLUNTEER EXPERIENCE

. Upwardly Global NYC Volunteer January 2007 to present

. Missouri State University President's Commission For Diversity,

January 2006

. President of The Association of International Students at Missouri

State University 2004-2005

. Vice President for African Students United, Missouri State University,

March 2005-2006

SKILLS

Technology -Moody's KVM, Microsoft Office Products (including Excel, Word,

PowerPoint and Access)

Language - English, French, Bambara, Soninke

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