Sales Real Estate

Objective: To obtain a fulfilling and rewarding position utilizing my extensive credit, financial analysis, administrative, and sales experience with a top-notch organization.

RELEVANT EXPERIENCE:

RENEW FINANCIAL, Oakland, CA

PROJECT ASSOCIATE, August 2018-December 2018

Processed, underwrote, and provided post-close administration of complex, strategic commercial property assessed clean energy investor-backed financing requests exceeding $5,000,000

Portfolio Management: Performed maintenance and reviews of existing portfolio for compliance and assessment accuracy

Project Management: Instrumental in product development, vendor assessment, co-created underwriting guidelines for internally-funded commercial property assessed financing requests, created financial models for internally-funded commercial property assessed financing requests exceeding $500,000

BOSTON PRIVATE BANK, San Mateo, CA

ASSISTANT VICE PRESIDENT, CREDIT ANALYST III/PORTFOLIO MANAGER, August 2012-July 2018

Underwrote complex, strategic commercial and industry loans, lines of credit and commercial real estate loans, including financial, collateral, and risk analyses; created financial models and forecasts

Portfolio Management: Originated lending requests (sales), perform interim, annual loan reviews, loan modifications, and vendor due diligence/financial analysis, conduct client meetings

Provided deal structuring guidance to commercial loan officers

Team Building: Trained and mentored less experienced analysts

Organized ongoing training for regional analyst group

Participated in special projects and group presentations

STRATEGIC RESOURCES ALLIANCE, INC., San Mateo, CA

SENIOR LOAN ANALYST (Temp to Perm Assignment for Boston Private Bank), May 2012 to August 2012

Performed annual loan reviews of commercial credits greater than $1,000,000, performed financial and credit analysis for commercial and industry and commercial real estate loan requests, prepared written memorandums for presentation to credit committee

BANK of the WEST, San Ramon, CA

ASSISTANT VICE PRESIDENT, UNDERWRITER III, February 2011 to May 2012

Underwrote complex commercial and industry loans and lines of credit and commercial real estate loans including, financial analysis, collateral, and risk analysis

Provided deal structuring guidance to account officers

Liaise between senior credit managers and account officers

BENEFICIAL STATE BANK formerly ONE CALIFORNIA BANK, Oakland, CA

ASSISTANT VICE PRESIDENT, SENIOR CREDIT ANALYST, CREDIT OFFICER, July 2007 to February 2011

Underwrote complex commercial and industry loans, lines of credit and commercial real estate loans, including financial, collateral, and risk analyses; created financial models and forecasts

Portfolio Management: Assisted in the risk management of an $104 million loan portfolio

Business Development: Reviewed/recommended potential loan purchases or participations, key team member in the acquisition of a $20+ million multi-family real estate portfolio

Credit Administration/Special Projects: Revised and developed Bank’s risk rating policy, created the Bank’s commercial real estate cash flow analysis tool, authored commercial real estate stress testing policy, performed portfolio analysis reporting, and performed FAS 114 calculations

Met with bank examiners

Voting member of loan committee

GREATER BAY BANK, San Jose, CA

SENIOR CREDIT ANALYST, September 2004 to July 2007

Portfolio Management: Assisted in the maintenance and development of a $43 million loan and $7 million deposit portfolio

Underwrote commercial and consumer loan requests; created financial models and forecasts

Conducted one-on-one consultative sales meetings with clients

Prepared files and portfolio information for auditors

ALLIANCE CREDIT UNION, San Jose, CA

LOAN OFFICER, January 2004 to September 2004

Generated approximately $2 million in consumer loan and deposit business through one-on-one sales consultation in the Santa Clara County market area.

Ranked in top three in sales volume and cross sales

Analyzed loan requests for approval. Issued decisions for loan requests within designated lending authority

Professional Training/Education:

Risk Management Associates Financial Statement Analysis (2004) Credits: 8 NASBA CPE Hours

Risk Management Associates Commercial Lending Academy (2005) Credits: 30 NASBA CPE Hours

Bukers Tax Analysis (2006) Credits: 16 NASBA CPE Hours

Risk Management Associates Intermediate Real Estate Lending (2007) Credits: 8 NASBA CPE Hours; 8 CRC CEUs

Risk Management Associates Lending to Non-Profit Organizations (2008) Credits: 8 NASBA CPE Hours

Risk Management Associates Analyzing Construction Contractors (2015) Credits: 8 NASBA CPE Hours; 8 CRC CEUs

NAAGL SBA Underwriting (2008)

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