Manager Real Estate

Dana Salas **** Mathias Street, Cedar Park, TX ***13[pic]

**********@*****.*** . Cellular 512-***-**** . Home 512-***-****

Objective

Obtain a position utilizing the financial skills I have developed and one

that will provide me the ability to expand on those skills and become a

valuable asset to a company.

Experience

American Bank of Commerce, Austin, Texas 1999 to Present

Commercial Credit Manager/Senior Financial Analyst

Managing commercial underwriting department.

. Training new analysts as they enter the department.

. Establishing risk ratings for loans and updating loan policy

accordingly.

. Assisting Executive Chief Lending Officer with various projects

including risks assessments.

. Underwriting of commercial loans, including income and asset analysis

and forecasting expected

future revenues and future cash flow.

. Updating files for federal exams and external auditors.

. Preparing reports for senior management.

SBA Administrator/Loan Documentation Officer

Packaging and auditing of SBA loans for all bank locations.

. Underwriting of SBA loans in regards to government regulations and

financial feasibility.

. Dealing with multiple lenders, attorneys, and clients in regards to

issues related to closing of loan.

. Involved with liquidation of collateral and legal issues with

businesses that have ceased operations.

. Auditing of real estate appraisals in relation to regulatory

requirements.

Assistant Vice President Commercial Lending

Developed and maintained relationships with clients regarding their

business and personal needs. Dealt with daily problems and found solutions

to satisfy the customer's needs.

. Analyzed company's financial ability to repay proposed borrowings.

. Presented loan requests to committees to obtain approval on

commercial loan requests.

. Met with potential customers for the bank and developed relationship

with the person to identify potential loans, deposit accounts, and

referral sources.

Commercial Credit Analyst

Analysis of commercial credit requests in regards to company's

profitability, leverage ratios and other indicators of the probability of

repayment.

. Prepared loan packages for commercial loan requests.

. Maintained correspondence with numerous lenders and clients to obtain

information necessary to complete loan packages and meet deadlines.

. Accompanied lenders on calls with current customers or potential

customers.

Loewenbaum Investment Company, Austin, Texas 1997 to 1999

Accountant

Maintained accounts payable and expense reports for the company.

. Calculated commissions payable to security brokers on stock trades

that were conducted.

. Assisted with various parts of the month end close process including

SEC filings and research that was required when the company closed

operations.

Education

Texas A&M University, College Station, Texas-BBA in Management in December

1997

University of Phoenix, Austin Campus- 27 hours completed towards 36 hour

MBA program; expected Graduation January 2012

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