Commercial Loan Credit Analyst

M a r k A. Souta r

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

Brooklyn, NY 11237

Home: (718) 628-98

Cell: 954-***-****

masouta *@*******.***

CAREER SUMMARY: high potential Credit Analyst/Accountant with many years of substantial financial and

managerial experience in the finance and hospitality industries with an emphasis on credit/ loans and accounting.

Very successful underwriting, servicing and liquidating personal and commercial loans, marketing banking

products and executed treasury functions. Successfully managed the accounting department of a multi-million dollar

all-inclusive Caribbean resort hotel.

KEY STRENGHTS: Growth oriented and effective management/ operations, fraud detection, contract

review, credit report analysis, files reviews, quick turnaround, account

management, database update, receivables analysis.

EXPERIENCE:

3/2008- Current Self-employed

Kingston, Jamaica

Construction equipment rental/ Aggregate mining

Successfully rented heavy equipment such as 950 Cat frontend loader,

JTB backhoes to individuals, corporate entities and government

resulting in 25% increase annual revenues,

Managed a construction aggregate business reducing expenses by 20%

annually and increased net margin before taxes from 5% to 18%.

3/2007-2/ 2008 Bayview Financial /Silver Hill Financial, LLC

Pompano Beach, FL 33069

Credit Analyst/Underwriter

Efficiently underwrote many commercial real estate loans. This

significantly contributed to meeting and exceeding $100 million monthly

loan production target,

Successfully liaised with sales associates/account managers to ascertain

and clarify credit related issues. Because of this, underwriting cycle

time significantly reduced from three to two days.

2006- 2007 Bank of Florida, Commercial Lending

Fort Lauderdale, FL 33301

Credit Analyst

I underwrote tens of millions of dollars of revolving and closed end lines

of credit, C &I facilities and real estate and construction loans in

Broward and Palm Beach counties. Loan portfolio increased by 20%,

Determined borrowing base requirements based upon the analysis of

receivables, concentration, aging, etc. This significantly minimized

credit risks.

Assigned to be in charge of all construction, real estate, and C& I loan

reviews, renewals, modifications and extensions. This averages over $20

million monthly.

2005- 2006 Fifth Third Bank Corp., Private Client Group

Tampa, FL 33609

Credit Analyst

Underwrote commercial multi-million dollar loans such term,

revolving lines of credit, construction loans located in the Central, West

and South Florida regions. This involves communicating effectively and

extensively with relationship managers and borrowers to understand

their (borrowers’) financial needs,

Since August 2005 to April 2006, underwrote over twenty-five loans

financing the purchases of heavy construction equipment, strip malls,

multi-family buildings, commercial land and a multi-million dollar

yacht. Also, underwrote working capital financing for many seasonal

businesses,

Followed up with Funding Desk/Closing to expedite loan closings and

hence often times closed loans before targeted deadline dates.

Underwriter reviewed existing loans on the books to reflect current

updates of financial and rating information to comply with banking and

regulatory requirements,

Followed up continuously with relationship managers on 10-29 days and

30 days and over delinquencies to ensure delinquencies are within

banking requirements.

.

02/ 2005-08/2005 Flushing Savings Bank, Business Lending & Community Development

Division, New York, NY 10013

Loan Administrator/Credit Underwriter/Analyst

Successfully underwrote U.S. SBA 7(a) & Express loans, New York

City taxi medallion loans, overdraft facilities and Business Access

loans. Underwriting cycle time was significantly reduced,

Prepared all closing documents accurately and quickly before closing

dates,

Performed post-closing reviews and audited loan files,

Exceeded target dollar amount by 25% in first half of fiscal year.

2002- 2005 Newtek Small Business Finance, Inc., Manhattan, NY 10018

Loan Servicing Administrator

Successfully updated SBA PCFS Loan Manager to reflect the most

current loan information,

Did timely Uniform Commercial Code filings, terminations,

amendments, and other UCC actions,

Performed credit, closing & servicing file reviews, servicing requests,

release/subordination of collateral & liens, analysis of corporate and

personal tax returns & financial statements, credit reports, etc and other

compliance issues,

Substantial contacts with the United States Small Business

Administration district offices and processing centers.

Preparation and verification of bid sheets to sell loans in the secondary

market to other financial institutions.

Determine highest bidders; calculate annual rates of return, prepared

documentation and overnight to bidders.

Liaised with other financial institutions on settlement payments/wire

transfers from secondary investors.

2001-2002 Jolee Consolidators, Inc., Brooklyn, NY 11211

Operations Assistant

Assisted with the efficient distribution of hundreds of millions of dollars

of cosmetic products throughout New York City and Long Island.

Tracked deliveries of all products to sales representatives.

Assisted with the recording of millions of dollars of return products.

1997-2001 Bank of Nova Scotia (subsidiary of Scotiabank Canada),

Kingston, Jamaica.

Treasury Officer and Senior Credit Officer

Ensured adherence to procedures, policies, and managed workflow

within multi-million dollar loan units.

Managed hundreds of millions of dollars business, real estate and

personal loan portfolios.

Prepared weekly, monthly, quarterly and annual reports on loan

portfolios.

Managed staff of eight employees.

Trained new staff on credit related issues.

Daily monitored and calculated billions of dollars of cash flows within

commercial banking network of forty-four branches.

Prepared and analyzed commercial bank investment statement.

Calculated and monitored statutory reserve requirements.

Transacted repurchase and reverse repurchase agreements with other

financial institutions.

Invested cash flows in fixed income securities such as Government of

Jamaica bonds & Canadian treasury bills.

1995-1997 F.D.R. Resorts, Runaway Bay, Jamaica

Chief Accountant

Managed accounting department of multi-million dollar all-inclusive

resort hotel and prepared month-end closings, trial balances and

financials.

Reconciled and analyzed various bank accounts, accounts payable,

accounts receivable and other accounts.

Supervised, trained and appraised accounting and warehouse staff of

sixteen.

Ensured accurate and prompt input of accounting entries.

Interfaced with senior management on budgetary targets.

Liaised with other departments on cost control and revenue generation

issues.

EDUCATION: Stern School of Business, New York University

New York, NY

B.Sc. Finance & International Business

G.P.A.: 3.42

TECHINICAL: Microsoft for Words, Excel, Outlook, Lotus Notes, PCFS & SBA Loan Manager,

T-Soft, Application Extender, Moody’s Financial, Baker-Hill and CICSAFS.

COURSES: Tax Analysis; Cash Flow Analysis; Advanced Cash Flow Analysis; Loan

Structuring; Numerous other credit courses.

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