Credit analyst
Resume:
JAMES BROCKER
************@*****.***
Seasoned commercial credit professional -- diligent and resourceful.
Desirous of relocating to VA/DC metro
Currently tutoring & substitute teaching, studying for Excel 2007
certification, NACM self-study.
CARTUS CORP. (subsidiary of Realogy Corp.), Danbury, CT
3/2000 to 10/2013
Senior Credit Analyst
Hired to help build a new credit department and establish credit
policies/procedures, create an Access credit database, manage a large,
diverse international client portfolio, and approve unsecured credit
lines up to $1MM.
Utilized corporate financial statements and relevant research to
complete a detailed financial analysis and credit reviews for current
and prospective clients. Used D&B, Moody's and S&P research /
resources.
Credit-approved and risk rated all contracts. Set internal guidance
credit limits. Reported on high risk credit watch clients.
Worked closely with the Collections and Sales in monitoring AR aging
and credit risk for all clients to limit risk exposure & write-offs and
maximize sales. Developed strategies and action plans for slow paying
and credit-risk customers. Integrated new customers from acquired
companies
Worked closely with in-house attorney on bankruptcy/workout situations
to resolve pre-petition exposure and preference issues
Maintained compliance with $325MM receivables bank funding facility and
internal SOX.
Successfully navigated through the subprime crisis. Proactively
identified three major client companies that eventually filed for
bankruptcy and protected the company from potential exposure of $1.5MM+
by imposing credit enhancements while maintaining future relationships.
Successfully kept credit writeoffs at record low levels, (2)
Proactively identified companies in financial distress, (3) Amended or
terminated contracts before a client filed for bankruptcy, (4) Ensured
that billing and funding terms were appropriate to risk, (5) Met time
sensitive RFP deadlines, (6) Tracked client mergers, acquisitions,
divestitures for changes in risk profiles.
THE BANK OF NEW YORK, White Plains
1998 to 1999
Real Estate Analyst
Worked for an in-house appraisal group. Prepared limited summary
appraisal reports for lower value commercial real estate properties
located throughout the Hudson Valley. Analysis centered on comparable
sales, leases and capitalization of discounted cash flows. Complied
with Uniform Standards of Professional Appraisal Practice with
allowable departures. Arrived at a fee simple estimate of value.
James Brocker
POUGHKEEPSIE SAVINGS BANK (now TD Bank) 1994 to 1998
Manager of Loan Administration
Supervised four construction loan administrators. Responsible for
monitoring construction loans and income property mortgages [loan
files, disbursements, documents, UCC filings]. Engaged inspecting
engineers and environmental consultants.
Real Estate Analyst
Evaluated creditworthiness of CRE and small business borrowers. Prepared
loan write-ups. Spread and analyzed tenant leases, pro forma operation
cash flow, financial statements, tax returns and personal financial
statements. Loans ranged in size from $500,000 to $2MM.
STATE STREET BANK, Boston 1990 to
1993
Loan Officer/Specialized Lending Group
Responsible for a portfolio of radio station owner/borrowers nationwide.
Prepared detailed loan write-ups for loan committee approval. Loans
ranged in size from $1MM to $5MM.
BARCLAYS BUSINESS CREDIT (now Fleet Capital), Glastonbury, CT 1983 to
1990
Various credit related positions in the Specialized Lending Group (radio
station financing)
EDUCATION:
Binghamton University, M.A. Economics -- 1979
SUNY Oneonta, B.A Economics
PROFESSIONAL DEVELOPMENT:
Currently studying for MS Excel 2007 certification Numerous Moody's
Analytics economic outlook roundtables...Robert Morris Associates (loan
structuring/cash flow analysis Bank Law Institute (loan
documentation Bank Administration Institute (real estate
appraisals NYU Real Estate Institute (construction loan
administration Community Bankers Association (auditing
procedures Urban Land Institute (real estate issues Turnaround
Management Association (workouts Paul Kagan seminars (radio and cable
financing Urban investment symposiums (inner city development Field
examiners school (asset based field examinations Formal credit
training.
Contact this candidate