Real Estate Project

David Seo

Cell Phone 614-***-****

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

Objective:

I desire a position in the banking/finance/real estate industry where I can

grow personally and professionally.

Skills:

. Excellent analytical skills. Can create complex financial models (i.e.

cash flow analysis, portfolio stratifications, forecasting and trending

analysis, IRR calculations/models, etc.)

. Excellent understanding of Multifamily Real Estate (CMBS) and as well as

Residential Mortgages (RMBS)

. Excellent knowledge of Microsoft applications - particularly in MS -

excel and MS - access

. Strong knowledge of relational databases (Oracle)

. Strong project management and communication skills while working with

internal and external clients

. Excellent problem solving skills and always looking for ways to innovate

processes

Work Experience:

Business Analyst

5/2006 - Present

BNY Mellon (FKA - The Bank of New York Mellon)

0. Set up new deals and board loans into Oracle business application

database, validate accuracy of data, and reconcile data to transaction

documents.

0. Project manage and assist in the set up and testing of new technology

initiatives (i.e. User Acceptance Testing of business systems)

0. Project manage and assist in focusing on process improvements (i.e.

automation of reports via Macros, building complex queries)

0. Process servicer transfers, terminations and processing servicer

packages as needed

0. Produce scheduled management reports and key performance indicator (KPI)

reports

0. Produce ad-hoc reports for rating agencies (Moody's, S&P, and Fitch)

0. Perform additional ad-hoc analysis initiated by senior management (i.e.

portfolio analysis, custom client reports)

Senior Financial Analyst

4/2002 - 5/2006

Paramount Financial Group, Inc. NKA Capmark (FKA a subsidiary of GMACCH),

Granville, Ohio

0. Finding the best financing possible for all PFG, Inc.'s affiliated

projects/deals.

0. Financing in terms of construction loans, permanent loans, as well as

Letters of Credit.

0. Deals range from new construction, substantial rehabilitation, moderate

rehabilitation, refinance, acquisition and enhanced tax-exempt bond

financing with twists of HAP contracts and section 236 (IRP).

0. Responsibilities include finding strategic alternatives for "work-out"

projects that need debt re-structuring.

0. Responsibilities include overseeing the commitment process as well as

the closing. In addition, very crucial in making sound judgments in pre-

underwriting to determining reliable/reasonable loan amounts.

0. A liaison between the lenders, co-developers, bond counsel, investment

bankers and senior management.

0. Other duties include permanent loan gap analysis on all co-

developer/general partner lease-up/post lease-up projects ready for

conversion.

0. Working with Acquisition team in complex IRR financial modeling on the

equity side from acquisition to closing.

Loan Analyst

9/1999 - 3/2002

Enterprise Mortgage Investments, Inc., (Subsidiary of the Enterprise

Community Investment Inc. and Enterprise Community Partners, Inc., FKA -

Enterprise Foundation ) Columbia, Maryland

Assisted the Vice President/President in the following:

0. Underwriting and analyzing market rate and affordable multi-family loans

based upon sound underwriting practices and the underwriting guidelines

as established by the Fannie Mae's MAH Program or the FHA Insured Loan

Program, which ever is appropriate to the transaction

0. Preparing and analyzing financial models for affordable housing based

upon same guidelines stated above

0. Analyzing financial capacity and credit history of borrowers

0. Preparing and analyzing closing budgets

0. Conducting local site visits

0. Contracting for and reviewing third party reports (i.e. appraisals,

market studies, environmental reports, architectural reviews, credit

reports) to ensure compliance with program

0. Maintaining relationships with project sponsor's development team,

construction lenders, attorneys, etc.

Education:

Loyola University Maryland (FKA - Loyola College of Maryland)

Bachelors of Science in Mathematical Sciences (Concentration in Actuarial

Science)

REFERENCES ARE AVAILABLE UPON REQUEST.

Contact this candidate