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Commercial Real Estate Asset Manager

Dallas, Texas, United States
April 12, 2018

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Kimberly Lyons

Dallas, Texas

214-***-**** Commercial Real Estate Professional

Accomplished professional with extensive experience in commercial real estate. Strong leadership and relationship-building skills. Can identify and assess solutions to mitigate risk. Brings knowledge of the mortgage industry and along with superb problem solving and conflict resolution capabilities. Meticulous at juggling multiple tasks and adhering to timelines. Background includes: Asset Management

Multifamily Management

HUD, FHA, Fannie Mae

Multifamily Underwriting

Loan Work Out and Modification

Loan Audit

Quality Control Compliance Commercial Underwriting Risk Mitigation Due Diligence Negotiation

Market Research Process Improvement Project and Team Leadership CAPITAL ONE BANK, Dallas Texas 2014-Present

Assistant Vice President, Balance Sheet, Commercial Real Estate (2016 – Present) Manage a $2.5 billion-dollar portfolio of multifamily assets for the Commercial Real Estate Team.

• Perform Annual Reviews on all loans within my portfolio, less than one-percent are being monitored as watched assets.

• Monitor loan covenants and reporting requirements on a quarterly basis.

• Underwrite multifamily mortgages for loan modifications and assumptions.

• Evaluate property performance and deal participant financial statements.

• Solicit bids and engage contractors selected for the necessary third-party reports.

• Analyze all third-party reports to include appraisals, environmental reports and market reports.

• Conduct site inspections, lease audits, and market analysis for transactions.

• Function as a point of contact for borrowers, vendors as well as internal customers.

• Partner with loan originators and external deal partners for the purposes of prospecting new transactions.

• Prepare and present transactions to loan committee.

• Assist legal in loan closing documentation.

• Evaluate property budgets and make recommendations as required. Commercial Real Estate Risk Analyst- Plano, Texas (2014 – 2016) Conducted underwriting reviews for existing multifamily, multifamily new construction, retail, industrial, municipal, energy services, oil and gas, consumer lending and dealership services transactions.

• Audited quarterly sampling of commercial real estate underwriting.

• Ensured underwriting compliance with the line of business underwriting guidelines.

• Worked with underwriters and underwriting managers in remediating audit findings.

• Prepared and distributed quarterly reports on audit findings. MUSA FINANCIAL, Dallas, Texas 2012-2014

FHA Multifamily Underwriter

Underwrite multifamily loans for National FHA Lender

• Ensured compliance with the HUD Map guide.

• Analyzed and recommended procedures on new construction, refinance and substantial rehabilitation projects.

• Completed site inspections according to the HUD MAP guide.

• Coordinated architects, appraisers, environmental and engineering firms in obtaining project plans and reports.

• Worked with borrowers and legal counsel on the development and structure of each transaction.

• Performed analytical reviews of operating and expense statements, operating costs and borrower’s budget.

• Prepared loan packages and conducted HUD Concept Meetings and submissions to HUD. Kimberly Lyons Page 2

FIRST AMERICAN CORPORATION, Westlake, Texas 2011-2012 Commercial Asset Manager

Managed portfolio of Commercial REO assets.

• Provided clear guidance and direction to assigned real estate agents and brokers.

• Reviewed asset valuation and reconciliation.

• Evaluated and approved required repair bids. Ensured the completion of approved work.

• Collected and analyzed asset information.

• Constructed individual marketing action plans for each asset in the assigned portfolio.

• Listed and marketed properties and directed price reductions as needed according to department guidelines.

• Negotiated and executed sales contracts and addendums according to guidelines.

• Ensured the efficient transfer of files to escrow following the execution of sales contracts and addendums.

JPMORGAN CHASE BANK, Irving, Texas 2003–2010

Senior Multifamily Asset Manager

Managed portfolio of bank-owned as well as investor owned loans for the Portfolio Management Group. Portfolio consisted of multifamily, retail, office, medical and industrial properties. Solely managed portfolio of all investor loans for a period of nine months during the development of the GSE and CMBS department.

• Ensured compliance with Investor Pool Servicing Agreements.

• Prepared and completed investor reports.

• Assessed credit risk to mitigate loss within the portfolio. Recommended and approved risk ratings.

• Developed risk standards based on derived risk ratings. Monitored credit limits and exposure for the portfolio on a quarterly basis. Reported risk standard variances to the special assets group.

• Analyzed non-performing properties. Recommended transition to the Special Assets Group.

• Reviewed and approved all property inspections. Tracked all deferred maintenance and capital improvements.

• Underwrote multi-family and commercial mortgages to include, financial analysis of borrowers and performance analysis of properties.

• Established NOI, determined property value, reviewed environmental, engineering and appraisal reports.

• Negotiated and approved commercial leases.

• Reviewed and approved all assumptions and modifications to loans. ADDITIONAL RELEVANT EXPERIENCE

Commercial Underwriter


Capital One Bank - Commercial (Multifamily) Credit, Commercial Audit, Credit and Risk Assessment Mortgage Bankers Association - Property Assessment, Commercial Underwriting and Appraisal Programs Midwest Lenders Conference - HUD MAP training

Cisco Junior College - Real Estate Program


Angelo State University, San Anglo, Texas, Business North Lake College, Irving, Texas, Commercial Mortgage Banking

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