Real Estate Manager

Hui-Hui Liao

***-** **** *****, *** Gardens, NY *1415

Phone: 718-***-****

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

Objective

To pursue a challenging career in the banking industry which will allow me

to fully utilize my experience and knowledge to benefit my employer and

have the opportunity to explore my potential.

Experience

Commercial Real Estate Portfolio Manager 10/2007-10/2009

Capital One Bank, NA Melville, NY

-Reviewed, maintained and monitored credit files for compliance with bank

policy, conditions of approval and current information.

-Reviewed and analyzed portfolios including commercial and construction

loans for risk and loss exposure.

-Performed market and historical analysis of existing loans and researched

potential opportunities and risk within the market.

-Performed in-depth credit analysis of loans including collateral analysis

(appraisal report, rent roll, operating statement, tax return, cash flow

projections) and guarantor analysis (tax return, global cash flow statement

and financial statement) to identify any significant deterioration of

borrowing relationship.

-Performed quarterly review of the progress of construction projects

including post-closing issues, sources and uses of funds, lease-up or sales

and conversion to permanent finance.

-Worked with loan officers closely in making decision by providing credit

review result and recommend Risk Rating changes.

-Cooperated with Loan Officers and Underwriters to proactively monitor the

loan portfolio and collaborated with the workout team, if necessary.

-Communicated emerging industry, loan or relationship level issues to deal

teams and participated in Officers Credit Committee meetings.

-Prepared credit memoranda that accurately present pertinent credit risks

and provided recommendations.

Commercial Real Estate Junior Credit Analyst 08/2005-09/2007

Grand Pacific Finance Corp. Flushing, NY

-Reviewed and analyzed borrower's operating statements, tax return and rent

rolls, and guarantor's financials annually to evaluate borrower's repayment

ability.

-Performed annual property inspections to ensure collateral has been

properly managed and maintained.

-Monitored repayments, and researched and resolved past due loan issues.

-Assisted underwriters in analyzing data and updated underwriting loan data

into loan tracking system.

-Watched for any developing problems and kept loan officers and

underwriters informed.

-Prepared credit memos that accurately present pertinent credit risks and

provided recommendations.

-Prepared and reviewed monthly delinquent reports to identify any emerging

problems.

- Performed credit administration tasks (as required) including covenant

compliance.

Accountant 05/2003-07/2005

STA International LTD. (Import Company) Fresh Meadow, NY

-Prepared and maintained journals and ledgers.

-Prepared weekly invoices and monthly statements.

-Handled daily cash receipts and prepared daily inventory report.

-Managed cash flow, account reconciliations and monthly close process.

-Communicated with clients on past-due accounts and reported on status.

-Maintained new and existing vendor files.

-Assisted in preparing annual 1099's.

Education & Training

MBA in Management North Park University, Chicago, IL

BS in Business Management Aletheia University, Taipei, Taiwan

(Former TamShui Oxford College)

Oracle Certified DBA - Sept. 2001

Skills

Computer Applications: Microsoft Word, Excel, PowerPoint, Access and

QuickBooks.

Database Applications: Oracle, CBS, Fidelity-Emulator

Language: English, Mandarin, and Taiwanese.

References Available Upon Request

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