Real Estate Management

Paula Struchen

**** *. ********* **. #**** ( PHOENIX, AZ 85044 ( 330-***-**** (CELL) (

*********@*****.***

Professional Profile

Financial and Business Analytics/Wealth Management / Commercial and

Residential Real Estate

Sr. Analyst with 10 years in financial analysis, risk management and

portfolio management at PNC, Key Bank and JP Morgan Chase. Versatile and

highly accomplished analyst offering distinguished career in leveraging

expertise in banking industry, compliance, real estate transactions, wealth

management, forecasting and strong risk management. Supported multi-

faceted diversely focused real estate funding, wealth management analytics,

with a business group focus to achieve financial goals in a multi-market,

multi-state arena. Trusted advisor with demonstrated ability in

collaborating while being responsive to the needs of management and

customers.

Solid history in real estate, banking and retail industries. Strong

analytical and technical skills used to implement procedures improving

productivity and identification of unique opportunities while meeting

business objectives. Strong presentation, communication, and negotiation

skills complimented by ability to see the big picture, respond to

opportunities, and capitalize on market trends. Detail oriented, motivated

and able to see a project through to completion.

AREAS OF EXPERTISE

RISK MANAGEMENT Wealth Management

Portfolio Analysis Financial Modeling

Workout / Scenario Strategies Performance Reporting

Trend / Statistical Analysis Product Pricing

Revenue / Cost / Variance Analysis Workout Management

Policy &Procedure Interpretation

Interpersonal / Customer Relations

Professional Experience

PNC, CLEVELAND, OHIO 10/2008 - 6/2010

Financial services company serving retail, business and corporate

customers.

Financial Analyst IV

Managed significant credit administration processes and oversight of

processes to identify credit problems ensuring early action and accurate

reporting. Development of value add processes that guaranty high quality,

high performing loan portfolio management. Support credit administration

for a multi-market, multi-state division of PNC by managing, monitoring and

reporting Risk Management, including non-performing loan tracking, loss

forecasts and ALLL reporting functions for Wealth Management. Performed

periodic reviews, analysis, and risk management on a portfolio of consumer

loans. Facilitated portfolio performance by keeping current on economic

developments, credit spreads and other elements influencing default rates.

Provided research and valuation work on collateralized assets such as real

estate, RV's, Boats, and Automobiles.

Selected Achievements:

- Instrumental in early detection of loss given default while elevating

risk management within the division by closely monitoring customer

financial condition, facilitating early detection, and initiating loan

modification.

- Delivery of clear, accurate and timely portfolio information and

reports pertaining to Credit Risk Management.

- Maximized the pool of investable assets by minimizing the portfolio

risk profile.

- Validation of assumptions used in delinquency and loan loss

forecasting including but not limited to delinquency levels, loan

charge off analysis and loss performance

- Charged with maintaining and improving the loan portfolio monitoring

activities.

- Ensure high quality, high performing loan portfolio by managing

delinquency, future maturities, risk ratings, and annual loan review

tracking.

- Interact with Credit Executives, Line Management and other senior

managers to assess and improve existing portfolio risk management and

portfolio reviews.

- Maintained a significant role in the overall Watch list process that

ultimately affected financial statements and required meeting strict

reporting deadlines.

KeyBank- Cleveland, Ohio 10 / 2003 - 10 / 2008

Leading U.S. Bank with $90+ billion in assets.

Investment Analyst IV

Held accountable for development of Risk Management audit processes,

MultiFamily, Commercial and Residential Real Estate portfolio performance

by segment and project. Co-ordination of all deal movement from close to

investor relations and exit inclusive of lifetime deal activity. Conducted

financial analysis, statistical modeling and risk management on a $900

million portfolio of real estate-backed commercial loans ranging in risk

from performing to distressed (70% off balance sheet). Safeguarded

portfolio risk profile by closely evaluating loan applications, confirming

due diligence and monitoring portfolio performance. Established a career in

real estate portfolio performance, SOX 404 compliance, Risk management, and

accounting accuracy. Joined organization with original focus of managing

accurate accounting processes and reporting for all Mezzanine and Private

Equity investments for Multifamily, Commercial and Residential Real Estate.

Selected Achievements:

- Earned an expanded role that covered risk management, real estate

asset management, audit, financial spread analysis, credit

administration, data mining, underwriting and closing.

- Provided distressed asset analysis quantified and modeled performance

drivers and risk in across the portfolio of Mezzanine and Equity loans

in MultiFamily, Commercial and Residential Real Estate. Handle

complicated analysis - enabling disposition strategies for entire

portfolios or segments of portfolios by developing analytics,

providing significant input to and / or leading the creation of

various models. Integrating impact of ongoing/proposed loss mitigation

into the portfolio valuations was critical.

- Tightened risk standards and raised reporting visibility through

sophisticated financial modeling.

- Development of Risk Management audit processes and compilation of

supporting documentation for auditing purposes.

- Instrumental in reducing risk to line of business through initiation

of internal audits, ensuring transactions were conducted according to

internal and external regulatory policies.

- Extracted and consolidated data from internal and external data

sources utilize current analytical tools and sought out additional

sources of data to support business goals.

- Won support for the purchase and implementation of a new accounting

platform, which drove enhancements to productivity, portfolio

monitoring and risk management.

- Involved in all aspects of an accounting system conversion from

conceptual design to implementation and included supporting system

technology enhancement projects.

- Substantially improved effectiveness and productivity of accounting

procedures and general ledger data integrity. Effectively managed cash

flows and funds movement.

- Merited 3 Outstanding Team Member and Individual Contributor

nominations.

- Built knowledge of accounting and real estate on a short learning

curve.

Sterling Jewelers, Inc. -Akron, Ohio

04 / 2000 - 10 / 2003

Large retail jewelry chain with over 1,300 locations across the nation.

Business Analyst III

Solely responsible for Forecast, Cost and price analysis. Contributed to

strategic and financial planning through product, pricing and market

analysis. Managed complex financial models that drove the company's Product

Forecast and Price Analysis by applying a strong analytical mindset and

quantitative approach to business and technical analysis delivering

successful solutions to challenging problems. Analyze, model, forecast and

report on buyer projections, product performance and productivity. Proven

success influencing across the organization to ensure solutions are

universally supported and effective. Strong analytical skills and the

ability to turn analytics into appropriate decision making.

Selected Achievements:

- Database development reducing forecast reporting turn time from days

to hours. Additionally, developed new tools used in reporting of

business information with the ability to create macros for increased

productivity and accuracy in reporting.

- Integrate data from various sources to create synthesize and detail

information used to run the business and to feed the business'

analytical needs.

- Built spreadsheets detailing consumer trends, product line growth and

profitability and other statistics impacting top line performance.

- Conducted effective trend and cost analysis with insightful

interpretation of the resulting information used by senior management.

- Developed a proficient technical level of VBA for process automation

involving Microsoft Office.

- Improve Cost and price analysis through development of new reporting

increasing the profitability of catalog items.

- Reviewed data to ensure accuracy and conducted analytical processes to

cleanse the data when needed.

KeyBank- Cleveland, Ohio 08 / 1998 - 2 / 2000

Leading U.S. Bank with $90+ billion in assets.

Financial Analyst III

Development and implement tools to improve review of financial information.

Selected Achievements:

- Evaluate the accuracy of reports and financial information and make

recommendations for enhancements or changes.

- Retrieve financial and statistical data for use in analytical projects

- Reconcile Budget and Forecast between financial systems.

- Work independently in the data gathering, documentation, review and

analysis of data, review, investigate, review, resolve and document

irregularities in data and reports.

- Prepare and maintain financial reports, schedules and documents

- Evaluate information for propriety and identifying and resolving

differences by using computer query tools and spreadsheets, database

management, graphic and word processing programs on a personal

computer.

- Provide Management with accurate and timely financial reports.

JP Morgan Chase- Cleveland, Ohio 06 /

1996 - 08 / 1998

Leading U.S. Bank in consumer and commercial lending.

Portfolio Analyst / Collections

Conducted credit analysis, offered solutions based on customer financial

information, responsible for maintaining

good customer relations while negotiating solutions that were mutually

beneficial, Grew responsibilities to review

delinquency patterns for Home Equity Lines and Home Loan portfolios

Selected Achievements:

- Liaison between the banks, legal and 'high profile clients' while

determining risk based on aged nature of the portfolio.

- Excellent understanding of consumer laws.

- Top performer in late stage delinquencies.

- Special projects such as system conversions and Y2K testing.

- Strong verbal and written communication skills.

Education and Credentials

BACHELOR OF SCIENCE LABOR ECONOMICS

Akron University - Akron, OH

United States Marine Corp / 1978 - 1980

CERTIFICATIONS

MASTERING MS VISUAL BASIC 9 Office 2000 - Macro Programming

FUNDAMENTALS using VB for Applications

Mastering Access 97 Programming Managing Interpersonal Skills

Advanced Excel 2000 Millennium Management Skills

Advanced Word 2000 Growth Through Mentoring

Professional Organizations

The Conquistador Equine Rescue and Advocacy Program

Former Member / Committee participant in Civic Affairs - Commercial Real

Estate Women, Inc. (CREW)

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