Real Estate Management

OSCAR TURNER

*** ********* ******

VALLEJO, CALIFORNIA 94591

Phone: 510-***-****

OBJECTIVE

Obtain a position where I can maximize my financial analysis, risk management, loan

underwriting, and commercial real estate valuation experience.

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)

LOAN REVIEW SPECIALIST DECEMBER 2008 – DECEMBER 2009

• Reviewed complex loan files to multiple borrowing entities.

• Analyzed credit reports, repayment capacity, financial strength, and degree of collateral

protection.

• Determined adequacy of loan documentation.

• Determined compliance with applicable laws.

• Assigned appropriate risk grades, in accordance with regulatory standards. Prepared and

presented findings, in writing and orally, to bank management.

• Assessed soundness of credit administration and underwriting practices.

• Analyzed loans secured by commercial buildings, residential properties, vacant land,

accounts receivable, and inventory.

WACHOVIA BANK

PROPERTY INSPECTOR JUNE 2006 - OCTOBER 2007

• Inspected properties real estate collateral

• Determined whether corrective action listed in appraisal reports was addressed properly.

• Determined necessary corrective action.

• Scheduled appointments with clients.

• Visited and photographed properties.

• Prepared written reports on findings.

WORLD SAVINGS BANK

LOAN UNDERWRITER JUNE 2004 - MAY 2006

• Ensured loan packages included documentation necessary to ensure compliance with

banking standards and government regulations.

• Made loan decisions in accordance with prescribed guidelines.

• Reviewed credit reports, preliminary title policies, and appraisal reports.

• After compiling information, would issue conditional loan approval.

• After careful review of all supporting documentation, a final decision would be issued.

OFFICE OF THIRFT SUPERVISION (OTS)

SAVINGS & LOAN EXAMINER SEPTEMBER 1977 - MARCH 2OO2

• Conducted periodic examinations of Federal Savings and Loan institutions to ensure

compliance with applicable laws and regulations.

• Reviewed management structure, asset quality, interest rate risk, capital protection, and

operating results.

• Prepared written report of findings.

ACHIEVEMENTS

• Began my career as a clerk typist and, through numerous training seminars and classes,

advanced to an examiner position.

• Certified Thrift Regulator.

• Received Certificate of Completion for Underwriting training.

• Developed thorough understanding of credit analysis.

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