Real Estate Service

Andrew David Wells

**** ****** **** *******, ** *1076 . abih7k@r.postjobfree.com . 443-***-****

Education

Loyola University Maryland

Baltimore, MD

. Masters of Business Administration, Finance Concentration

August 2010

Maryland Banker's School

College Park, MD

. Graduate of Maryland Bankers School

August 2009

University of Delaware

Newark, DE

. Bachelor of Arts, Economics; Spanish minor

February 2003

Employment

Capital Funding Group

Baltimore, MD

Credit Analyst

January 2010 to Present

. Analyze cash flow of new and existing middle market commercial banking

clients

. Prepare cash flow in Credit Risk Management (CRM) software to

evaluate debt service and break even analysis

. Spread financial statements of corporate clients to evaluate trends

and performance.

. Prepare a risk grade worksheet based on factors such as cash flow

coverage, liquidity, operating trends, collateral eligibility, etc.

. Present loan requests to committee that exceed $1.75MM or that do not

conform to bank policy

. Meet with clients to evaluate and understand unique aspects of their

businesses

. Generate narrative discussing background, industry, cash flow,

guarantors, collateral and recommendations for the new loan request

K Bank Owings Mills, MD

Assistant Vice President

March 2006 to January 2010 Loan Processor

March 2005 to March 2006

. Analyzed credit history and monthly cash flow of existing customers

for in-house loan modifications

. Evaluated, prepared, and presented modifications for loan committee

approval

. Produced and presented monthly Classified Assets Report to K Bank's

Board of Directors

. Worked directly with management to supervise workouts within the

Residential Lending Portfolio

. Conducted regular site inspections of properties where the bank had

exposure

. Networked with investors in purchasing K Bank owned real estate

. Worked with in-house auditors to reconcile proceeds from the sale of

Bank owned property with the books

. Ordered appraisals, title work; requested financial information, and

submitted loans through the automated underwriting service

. Interacted with borrowers, builders, and loan officers to establish

funding for construction loans

Suburban Federal Savings Bank

Crofton, MD

Loan Processor June

2004 to March 2005

. Ordered appraisal and title work, requested financial information;

submitted loans through Freddie Mac's automated underwriting service,

Loan Prospector

. Reviewed and analyzed financial statements to determine the

creditworthiness of clients

. Worked directly with underwriters, loan officers, and borrowers to

prepare loans for settlement

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