Real Estate Sales

A MY L. WIL D ER M U T H

**** ****** **** ***** ● Lake Worth, Florida 33463 ● 917-***-**** ●

***********@*****.***

C RED I T/F I NANC IAL ANALYST

A high-performance analytical credit expert with approximately five years’ experience in the financial

services industry.

Create unprecedented value by managing risk, reducing loss and identifying new opportunities for

profits in a challenged or booming economy.

Extremely adept at quantitative analysis and client relation.

Possesses strong verbal and written communication skills with the ability to negotiate relationship-

building business agreement with positive results.

A REAS OF EXPERT ISE AND STRENGT H

M anaging Risk/Preventing Loss C redit & ROI Analysis F inance &

Accounting

Commercial Underwriting Relationship Building Asset Based Lending

Resolving Disputes Researching Commercial Credit Operations

C lient Satisfaction/Retention F inancial/Cash Flow Analysis Solving Complex Problems

PROFESSIONAL SYNOPS IS

Dr. Richard T Kutnick, MD, New York New York 2010 – 2011

Receptionist (part-time)

• Answered incoming telephone calls and scheduled patient appointments.

• Reviewed patients’ insurance coverage to determine copayments and deductibles; bill patient

accordingly.

• Assisted the staff in preparing blood work and report analysis

• Provided data support and maintain the cleanliness of the office premises

• Organized Dr.’s offices, keeping all files ready and available when patients were coming in

Capa Insurance Agency, Inc., Jamaica, New York 2008 – 2010

Assistant Office Manager (part-time)

• Worked closely with underwri ters and insureds with regard to policy questions and

coverage changes, certificates, and endorsements.

• Established and strengthened relationships with existing and potential customers by

offering solutions that fit clients’ needs; focused on capitalizing on cross-sell

opportunities.

• Reviewed and managed all accounts receivable to ensure operational efficiency.

Florida Capital Bank, Boca Raton, FL 2007

Commercial Credit Officer

• Accurately and efficiently assessed the creditworthiness of loan applicants through the application

of qualitative and quantitative analysis.

• Improved client retention and minimized loan losses by creating procedures for client portfolio

reviews and performing reviews semi-annually.

• Worked closely with the Bank’s president to streamline credit processing and improve operational

efficiencies.

• Increased the bank’s loan portfolio by working closely with relationship managers in proposing

counter-offer to existing and prospective clients.

Orion Bank, West Palm Beach, FL 2005 - 2006

Commercial Credit Officer

• Evaluated construction budgets and projections to determine the projects viability; identified

trends associated with construction costs, acquisitions and joint venture projects for large real

estate developers.

• Performed market research to quickly identify the strengths, weaknesses, opportunities and

threats of the industry and the asset class.

• Created a team environment with the relationship managers through joint visits to client site to

cultivate relationships and identify additional opportunities.

• Developed comprehensive spreadsheets and reports to assist the decision makers in the approval

process.

Harbor Federal Bank, Ft. Pierce, FL 2004 – 2005

Credit Analyst

• Performed cash flow analysis and financial statement analysis to determine the creditworthiness

of real estate borrowers.

• Reviewed appraisal reports to verify that the conclusive evidence led to a fair market value for the

collateral.

• Implemented and tracked loan covenants to ensure the borrower is adhering to the measurable

guidelines set forth at loan origination/review.

Goodman Marks Associates, Inc., Mineola, New York 2004 – 2005

Commercial Real Estate Appraiser

• Performed valuation reports on retail centers, industrial buildings, multi-family homes and mixed-

use properties.

• Utilized various techniques to attain appraisal values such as replacement costs, net operating

income, and similar comparable sales.

• Analyzed neighborhoods, economic environment and location of the collateral to assist in the

final valuation.

• Worked closely with Bank’s, mortgage companies and other financial institution to provide

comprehensive appraisal reports within demanding timeframes.

Astoria Federal Savings, New Hyde Park, New York 2001 - 2002

Credit Analyst

• Examined existing relationships annually to identify changes, possible risks or other trends that

may affect the real estate portfolio quality.

• Assessed the risk rating on each relationship and make the appropriate adjustments deemed

necessary

• Ensured that loan structure and financial procedures adhere to the Bank’s loan policy guideline.

CREDE N T IALS

Bachelor of Science, Finance, SUNY Old Westbury- Old Westbury, New York – 2001

220 Sales License, Florida – April 2014

Professional Training- RMA Cash Flow Analysis

Technical Skills include: Moody’s Risk Analysis, Baker Hill Statement Analyzer, Dun & Bradstreet

Systems, Experian, Office, Excel, PowerPoint, and Word

Contact this candidate