Real Estate Management

OBJECTIVE

Obtain part-time employment.

EDUCATION

**/****-**/**** *** Diego State San Diego, CA

University

Major: Accounting Information System

. Master of Science in Degree awarded May 24, 2011

08/2003-05/2005 San Diego State San Diego, CA

University

Major: Finance

. Bachelor of Science Degree awarded on May 24, 2005

08/2000-05/2003 San Diego Mesa College San Diego, CA

Major: Transfer Studies

. Associates of Arts Degree awarded on June 1, 2003

WORK EXPERIENCE

09/2009-Present First-Citizens Bank & Trust Temecula, CA

Company

Commercial Resolutions Officer

. Manage a credit portfolio of SBA guaranteed loans and other commercial

loans

. Performs financial analysis of tax returns and financial statements to

assess business financial strength

. Minimize Develop and implement viable workout plans for most complex

problem commercial loans, commercial mortgages, and SBA loans

. Evaluate credit risk and restructure credit and repayment terms in an

effort to better secure collateral

. Interact closely with attorneys, trustees, and other officials in the

liquidation process

. Review sampling list for numerous audits by the Bank, SBA, FDIC, and

OCC

12/2005-Present U.S. Bank, N.A. San Diego, CA

Special Assets Officer

. Develop and implement viable workout plans for most complex problem

commercial loans, commercial mortgages, and SBA loans

.Ensures that portfolio accounts are properly monitored for debt

repayment or foreclosure/liquidation of assets to minimize or prevent

losses and maximize recovery

. Review and monitor problem credits and justify credit risk ratings

. Educate obligors and guarantors of issues relating to analytical

findings and workout process

. Underwrites and negotiates changes to loan agreements while minimizing

risk and complying to SBA guidelines / made written recommendations for

approval to management

. Performs financial analysis of tax returns and financial statements to

assess business financial strength and to justify credit risk rating

. Performs collateral analysis of residential and commercial real estate

. Interact and communicate with title & escrow agents, insurance agents,

attorneys, lenders, and other officials to assist with recovery process

. Assists SBA division in loan retention, work-outs, risk rate changes,

and charge-offs

. Tends to business clients and support the growth of lender-client

relationships

. Employee of the month for March 2007

06/2005-12/2005 HSBC Auto Finance San Diego, CA

Associate Credit Officer

. Maintained and build ongoing relationships with strategic alliance

partners

. Reviewed and decisioned credit applications

. Evaluated and interpreted credit reports of all three credit reporting

agencies

. Determined and relayed credit conditions to applicants and alliance

partners

. Provided rationale for all credit decisions

. Assisted portfolio management team with funding loans and other

various projects as assigned

SKILLS AND QUALIFICATIONS

Possess working knowledge of accounting and finance principles

Sound credit and analytical skills

Capable of time management; prioritizing work load to meet deadlines

Some experience with litigation process and have provided testimony in

court

Effective communication skills, including an ability to negotiate and

influence

Ability to learn and adapt to changes and challenges

Experience with problem solving and relationship building

Strong technical skills including a proficiency in MS Office products

REFERENCES

Furnished upon request

Contact this candidate