Real Estate Financial

E ST HE R E. SANG IOVANN I

**** ***** ** ****

Alexand ria, VA 22309

Email: *****************@*******.***

EXPER I ENCE

ALFA F I NANC IAL SERV ICES 2008-2010

Sr. Loan and Compliance Officer

Responsible for identifying, acquiring, growing new and existing profitable business

relationships with small businesses that create value for the customer and yield

loan commitments and deposit balances.

E valuate, authorize, or recommend approval of small business loans.

Oversight of key compliance activities for the Company, including adherence of

Company’s policies and procedures to federal, state and agency regulations.

Responsible for the evaluation of procedures and regulations and coordinating their

i mplementation.

U.S. E MBASSY BRASI L IA 2007-2008

Budget Analyst Assistant

Work with Financial Management Officer on special projects pertaining to analysis

of ICASS budget performance. Assists with review of management controls for

cashier operations, responsible for fulfilling reporting requirements to Dept. of

S tate Global Financial Services (GFS) to ensure t imely and accurate payment

p rocessing.

Monitor local economic and regulatory data in host count ry and the United States

and use advance budgeting techniques to evaluate the impact of these changes on

m ission financial plans.

GREATER AT LAN T IC BANK; Reston, Vi rginia 2005-2007

Commercial Credit Officer

E ST HE R E. SANG IOVANN I

Prepared company financial statements, cash f low analysis for loans up to

$5,000,000 for real estate corporations and lines of credit. Worked directly with

senior management, bank president, and the board of directors on issues regarding

c redit worthiness.

Execute internal due diligence, financial spreading and industry analysis for bank

deals. In terpreted and ensured consistent compliance of accounting, legal and

regulatory requirements. Also monitored borrower covenant compliance data.

Performed financial analysis identifying customer financial status, credit

s trengths/weaknesses and developed appropriate recommendations.

Assisted with financial forecasting to estimate the bank’s projected financial

performance. Prepared monthly financial statements which compared budgeted

amounts with actual expenditures. Used historical data to conduct t rend analysis.

PAL M BEACH COUN TY BANK; West Palm Beach, F L 2004-2005

Senior Credit Analyst

Provided Risk Management Analysis for multi-million dollar accounts for

commercial real estate construction projects.

Prepared company financial statements, cash f low analysis on accounts that ranged

u p to $6,000,000.

Executed internal due diligence, financial spreading and industry analysis for bank

deals. That included financial statements which included all historical revenues,

expenses and capital expenditures. Also determined future income projections to

determine ongoing economic viabili ty of the property and loan. Assessed financial

solvency of corporate applications for construction loan.

Determine borrower and credit grades following the credit r isk policy, and developed

r isk models and strategies for construction loan projects. Conducted financial

analysis projects and statistical studies. In teract with and advise Senior

M anagement regarding financial r isk issues. Performed balance sheet and income

s tatement analysis to determine creditworthiness.

PAL M BEACH SCHOOL BOARD (Royal Palm Beach H.S) F L 2002-

2004

S panish Language Teacher

Prepared Spanish lesson plans for high school students.

E ST HE R E. SANG IOVANN I

Responsible for managing 175 students on a daily basis.

Implemented proactive environment for students to learn and achieve goals

WELLS FARAGO H O M E MOR TGAGE; Boca Raton, F L 2001-2002

Loan Officer

Responsible for originating retail mortgage loans through direct sourcing of real

estate agents, industry professionals, marketing campaigns and retail branch

referrals.

P roducts included conventional fixed, jumbo, Neighborhood Advantage, FHA, VA

and other

loan programs as introduced by Wells.

A dditional responsibilities include cross selling other bank products and services.

F LEET BANK (Summit Bank Corp.); Cranford, N J 1999-2001

Senior Credit Analyst

P repared company projections, cash f low analysis, producing up to $500,000 profit

for the bank. Determined borrower and credit grades following the credit r isk

policy.

Successfully completed Credit Training.

Executed internal due diligence, financial spreading and industry analysis for bank

deals. Performed detailed financial analysis and reporting for the asset based

lending and t rade finance with a portfolio of $2.0 billion

Researched companies’ 10Q, 10K, products and competition.

ED UCAT ION

NOVA SOUT H EASTER N U N I V ERS I TY; Fort Lauderdale, Florida

M asters in I n te rnational Business: December - 1997

STATE U N I VERS I TY OF NEW YORK AT BUFFALO; B uffalo, New York

B achelors of Arts: December - 1994.

B RONX CO M M U N I T Y COLLEGE: B ronx, New York

E ST HE R E. SANG IOVANN I

Associates in Business & Computer I nformation Systems : June - 1992

REFERENCES – Available upon request.

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