Manager Real Estate

MATTHEW J. SCARANGELLO *** Excelsior Ave. Saratoga Springs, NY 12866

518-***-**** *************@*****.***

CAREER OBJECTIVE: To join a progressive financial organization where I can utilize my education and

experience to achieve and advance company and professional goals.

SUMMARY OF QUALIFICATIONS AND EXPERIENCE

INDEPENDENT FINANCIAL CONSULTANT - Saratoga Springs, NY. 2000 - Present

Proposed and negotiated acquisition, construction, permanent and refinancing transactions for commercial real estate owners

and investors. Guided clients on leasing, financing, design, zoning, legal and tax matters. Prepared market, tenant and pro forma

analyses, as well as personal financial and tax reports for relevant principals and entities. Completed projects include multi-family,

mixed use, retail and office property acquisition, refinance and construction financing. Currently negotiating the bankruptcy

reorganization of $2MM in refinancing and $6MM in new construction loans.

KEY BANK - Albany. NY 1998-1999

Relationship Manager - Assistant Vice President: Developed loan and fee business for existing and new clients and managed

customer relationships to mitigate risk and maximize profitability. Assigned primary responsibility for the bank's largest commercial

real estate client after two months. Actively managed relationships to strengthen asset quality, achieve portfolio growth and

maximize profitability goals through lending and cross-selling activities.

TA ASSOCIATES REALTY - Boston. MA 1997-1998

Acquisitions Associate: Responsible for the analysis of prospective acquisitions for a private commercial real estate investment

and advisory firm with more than $4 Billion in net assets. Functions included primary assessment of property, tenant and market

analyses, asset valuation and preparation of purchase offers. Directed all acquisition and due diligence functions including lease,

market, structural, mechanical and environmental reviews. Developed holding and disposition plans to maximize investor returns.

The first Associate to be hired by the company without an MBA.

FLEET FINANCIAL GROUP - Fleet Bank - Boston. MA 1992-1997

Senior Portfolio Manager - Assistant Vice President: Responsible for underwriting and servicing a $600MM portfolio of

construction, acquisition, REIT and participation facilities. Prepared borrower, tenant, market and valuation analyses. Worked as a

team with a Senior Vice President in negotiating facility terms and developing relationship strategies for the bank's largest clients.

Issued $180MM in new money during my last full year. Trained and supervised six portfolio managers and financial analysts.

Loan Recovery Officer: Managed a portfolio of distressed and non-performing office, retail, hotel, multi-family and industrial loans.

Analyzed guarantor, collateral and market conditions to develop recovery strategies and maximize asset value utilizing various

restructuring, foreclosure and bankruptcy techniques. Prepared and presented asset restructure and resolution cases to bank

and FDIC oversight committees.

Asset Management and Loan Recovery Analyst: Formulated operating, repositioning and disposition plans for a portfolio of

commercial ORE assets. Performed monthly asset and guarantor analyses. Personally developed and implemented an Excel

model to track and forecast the operating budgets for a $125MM portfolio of assets that was adopted by other divisions and then

implemented bank wide.

Selected for and successfully completed Fleet’s Commercial Credit / Loan Officer Development Program. Graduate level

courses in accounting, economics, corporate finance and money & banking taught by Columbia University School of

Business faculty. Less than 0.08% of the company was selected to participate in this program.

DOW JONES & CO. - Washington D.C. 1990 - 1992

Analyst / Reporter: Investigated regulatory developments and hearings at the FCC, FDA, DOT and other federal agencies to

assess the impact on relevant companies and industries. Analyzed and reported information from SEC filings on M&A, IPO, debt

and equity registrations and quarterly financial statements. Personally invited by the Secretary of Transportation to represent Dow

Jones at private press meetings. Authored articles for various Dow Jones news outlets. Congressional Press member 1990-1992.

EDUCATION

Bachelor of Science in Finance, Cum Laude - 1990. Siena College, Loudonville, NY.

GPA 3.5 - Minors in Accounting, Economics, English and Philosophy. Academic Awards: Harrington Finance Scholarship;

Presidential Scholar; Dean’s List; Phi Sigma Tau - National Honor Society in Philosophy. Co-founded Siena's Finance Club.

COMPUTER SKILLS: Argus, MS Excel, Word, Access, Outlook, Power Point, Publisher.

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