Real Estate Commercial
Resume:
DANIEL G. ALSOP, CCIM
St. Louis, Missouri 63146 ******@*****.***
SUMMARY
Results oriented financial services professional with expertise in:
Financial Statement Analysis Discounted Cash Flow Analysis
NPV Analysis Lease vs. Buy Analysis
Budgeting Executive Presentations
EXPERIENCE
STIFEL BANK & TRUST, St. Louis, Missouri 2008-Present
Senior Commercial Analyst
• Developed cash flow models and reduced marginal loan exposure by $5 million on loan
portfolio of $20 million.
• Analyzed repayment ability and interest rate sensitivity on complex accounts.
• Reduced past dues to less than 0.25% of portfolio.
Determined debt capacity, analyzed cash flow and managed a portfolio of 50 commercial and
residential mortgage relationships totaling more than $20 million. Analyzed financial condition and
determined credit repayment ability on complex credits. Obtained additional collateral and reduced
credit risk position on marginal accounts.
NORTHMARQ CAPITAL, St. Louis, Missouri 2007-2008
Senior Investment Analyst
• Managed credit risk on commercial real estate loans ranging from $1.5 million to $50 million
each, producing more than $200,000 in fee income.
• Successfully developed discounted cash flow models and and NPV statements on loans up to
$50 million resulting in more than $200 million in new loans.
• Managed and performed annual property asset evaluations on more than $500 million in
commercial real estate loans, generating more than $150,000 in annual revenue.
Underwrote and brokered life & pension loans and commercial mortgage backed security loans of
more than $50 million annually. Developed projected financial budgets and analytical spreadsheets.
Managed and controlled loan closing and documentation. Performed annual property inspections on
more than 30 loans annually.
KEY BANK, St. Louis, Missouri 2005-2007
Senior Underwriter
• Managed credit risk models and discounted cash flow modesl on commercial real estate loans
ranging from $1.5 million to $20 million resulting in the closing of more than 35 loans.
• Underwrote and securitized commercial real estate loans that generated $500,000 in revenue.
• Developed credit enhancements to mitigate repayment risk and protect collateral position.
Structured and underwrote life & pension loans and commercial mortgage backed security loans.
Presented loan proposals to Credit Committee on loans totaling more than $200 million. Marketed
commercial real estate loans to life insurance companies. Managed closing and loan documentation
process.
TRUMAN BANK, St. Louis, Missouri 2004
Assistant Vice President – Commercial Lending
• Managed credit risk on loans including C & I working capital lines, term loans, flooring lines and
commercial mortgage loans resulting in zero expired loans and past dues of less than 0.25%.
DANIEL G. ALSOP Page 2
Managed loan disbursements on construction budgets up to $3 million resulting in no budget
•
overruns.
Performed portfolio audit which identified of $5 million in under collateralized loans.
•
Developed new business, analyzed financial statements, structured loans, performed underwriting
and managed credit risk on portfolio of 80 accounts ($20 million). Presented loan proposals before
Loan Committee on all loans above $200 thousand. Performed collections and workout negotiations
on problem loans.
WESTERN UNION/FIRST DATA CORP., St. Charles, Missouri 2001-2003
Senior Manager – Credit Risk and Compliance
• Managed credit risk on largest and most complex accounts resulting in losses of less than 0.2%.
• Controlled compliance with Patriot Act and other money transfer laws resulting in clean audit.
• Managed junior credit analysts working on high-risk accounts resulting in increased depth.
Managed credit risk on 500 largest accounts ($1.9 billion revenue) with 0.2% credit loss. Provided
financial analysis for senior management on special projects to reduce credit risk. Audited contracts
to identify documentary deficiencies and risks.
US BANK, St. Louis, Missouri 2000-2001
Credit Risk Administrator
• Performed auditing and reporting process of syndicated national credits to the Office of the
Comptroller of Currency, resulting in clean audit.
• Established more accurate accounting at business unit level resulting in improved reporting.
• Audited commercial real estate loans resulting in improved collateral reporting and control.
Directed loan officers to resolve problem loans and mitigate losses to bank. Performed risk rating
reviews and audits. Projected delinquencies and loan losses to executive management to provide
adequate loan loss reserves. Provided bi-monthly update to Chief Credit Officer.
DEUTSCHE FINANCIAL SERVICES, St. Louis, Missouri 1997-2000
Portfolio Analyst
• Developed semi-automated reporting process, reducing decision time from two weeks to two
days.
• Reduced credit risk by $10 million through financial modeling that identified new risk factors.
• Performed post-charge-off audits on flooring customers resulting in improved collateral policy.
Managed credit risk by creating predictive financial models. Established company loan loss reserves
based on delinquency trends. Structured and underwrote loans and credit lines up to $500K and
recommended approvals up to $10 million.
UNITED INDUSTRIES CORP, St. Louis, Missouri 1996-1997
Senior Credit Analyst
• Audited national sales program identifying more than $500,000 in unauthorized deductions.
• Reduced delinquency on accounts from 2% to % of total accounts receivable.
• Analyzed financial statements on portfolio totaling more than $500 million with no expired lines.
Managed credit risk on national accounts and ensured customer compliance with sales program.
Trained credit analysts in financial statement analysis, cash flow, and credit reports. Underwrote
credit lines and approved credit order releases.
DANIEL G. ALSOP Page 3
PROFESSIONAL CERTIFICATION
CCIM Designee
EDUCATION
Master of Business Administration, Emphasis: Finance
St. Louis University, St. Louis, Missouri
Bachelor of Science, Finance, Major: Finance
University of Tulsa, Tulsa, Oklahoma
SKILL HIGHLIGHTS/ACTIVITIES
Proficiency in Microsoft Excel, Access, Word, PowerPoint; Argus
Finance Committee subchair;APA Canine Carnival Volunteer, Carnival Treasurer, Lector;
Junior Achievement Advisor; Junior Rotary Club Treasurer;
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