Manager Real Estate
Resume:
Christopher J. Gavry
Acton, MA 01720
*****.*****@*****.***
EXPERIENCE
March, 2006 - March, 2009
Senior Business Development Manager
UPS Capital Business Credit, Newton, MA
Responsible for UPS Capital's lending operations in most ofthe New England States. Loan programs
included Small Business Administration loans (7A, 504 and lines of credit), conventional real estate loans
and term loans.
• Market UPS Capital loan products to business, real estate and loan brokers along with other lending
institutions, referral sources and businesses.
• Work with borrowers and brokers to determine viability of loan requests. Conduct credit review and
cash flow analyses, review financial statements, Business Plans and financial projections.
• Prepare written project analysis and loan package along with recommended action and loan structure for
submission and presentation to Credit Department
• Work with all parties, including borrower's and UPS Capital attorneys, to expedite loan closings.
• Service loan portfolio and borrowers as needed post - closing.
• Maintain relationship with local SBA offices.
June, 1994 - March 2006
Business Development Officer
Wachovia SBC - formerly known as First Union SBC and The Money Store Commercial Lending Inc.,
Albany, NY and Newton, MA
Duties and responsibilities were the same as with UPS Capital. Relocated from Albany, NY to Boston, MA
in 1996.
1991-1994
Economic Development Specialist
Broome County Industrial Development Agency, Binghamton, NY
Worked to foster economic development and job creation in the Southern Tier region of New York State.
• Take the lead role in structuring financing packages for local businesses while working with lending
institutions, local and state economic development groups and the Small Business Administration.
Financing would include funds from both private and public sources.
• Administer $7 million revolving loan fund; provide loans to small businesses.
• Review financial information; determine viability ofloan requests, review and present loan packages,
along with recommendation, to Agency Board of Directors.
• Work with lending institutions and businesses in the approval and issuance of Industrial Revenue Bonds.
1989-1991
Commercial Loan Officer
New York Business Development Corporation (NYBDC), Albany, NY
Responsible for NYBDC's lending operations in the Southern Tier area of New York State. Loan programs
included SBA 7A loans, 504 loans and lines of credit
• Market loan programs to lending institutions and businesses.
• Structure financing packages in partnership with other lending institutions.
• Review and analyze loan requests (financial information, tax returns, etc.) to determine creditworthiness
of borrowers.
• Prepare loan packages with recommendation for presentation to Regional Loan Committee and company
Board of Directors.
• Work with all parties to expedite loan closings.
• Maintain and service loan portfolio.
1986-1989
Commercial Loan Officer
Trustco Bank/Schenectady Trust, Schenectady, NY
Responsible for commercial loan portfolio of approximately $25 million. Serviced existing commercial
customer accounts and developed new lending and deposit relationships. Had direct lending authority of
$250M.
• Market banking products and services and solicit banking relationships in the Albany, NY area.
• Maintain commercial lending relationships and service loan portfolio.
• Review and analyze credit requests and financial statements.
• Present loans and recommend action to Loan Committee.
1981-1986
Investment Broker
McGinn, Smith & Co. Inc., Albany, NY
Solicited both retail and institutional investment accounts primarily in New York State.
• Market and sell investment products to individuals and businesses including stocks, bonds, mutual
funds, retirement accounts and tax shelters.
• Maintain investment account relationships.
• Directly manage account investments or provide advice regarding investments.
1975-1980
John Hancock Life Insurance Company
Was hired as a Management Trainee in the Albany, NY area Promoted to Assistant to West Coast Regional
Administrator based in Los Angeles, CA and then to Office Manager in the Rockford, IL District.
• Managed an administrative staff of 8.
• Responsible for all HR functions in the District.
• Responsible for all District accounting and bookkeeping functions, monthly financial report preparation,
cash control, etc.
EDUCATION
1970-1974
Fordham University, Bronx, NY
• Earned a Bachelor of Arts Degree with a major in Political Science.
AFFILIATIONS
• Member of New England Business Brokers Association (NEBBA).
• Member of National Association of Govemment Guaranteed Lenders (NAGGL).
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