Real Estate Administrative Assistant

CRISTY M. PONCE - SAN FRANCISCO, CA - 510-***-**** – *********@*****.***

HIGHLIGHTS OF QUALIFICATIONS

Strong experience in commercial Real Estate property valuation and Credit Underwriting

Solid analytical and problem solving skills and proficient in analysis of financial statements

Quick learner, strong organizational skills, detail oriented, ability to multitask and work independently.

Outstanding skills using Business Software Applications including Excel, Word and Access.

Excellent communication skills, Bilingual in English and Spanish

WORK EXPERIENCE

JP Morgan Chase – Commercial Bank

Underwriting Associate – Oakland/SF, CA, 01-15 to Present

Manage all aspects of underwriting Multifamily real estate loans.

Work directly with internal business partners including sales, processing, closing and legal.

Credit Risk Sr. Analyst – Oakland/Irvine, CA, 11-11 to 1-15

Supported different Commercial Term Lending groups including: Commercial Mortgage Lending

(CML), Multifamily Lending (MFL) and Key Relationship Review Group (KRRG).

Completed loan preapprovals requests by prescreening loan packages and by completing a through Real

Estate property valuation analysis before the deals hit processing, appraisal and underwriting.

Effectively performed market research using CoStar, Voit, CBRE, LoopNet and Internal Market

Indicators for all commercial real estate products including multifamily, retail, office and industrial

properties.

Conducted financial/credit analysis of individual/entities’ financial statements including B/S, I/S, C/F

and Schedule of RE statements.

Supported the Commercial Underwriting Group by completing key items part of the final credit loan

approval, which included review of commercial leases, review of appraisals, environmental reports, deal

sizing/cash flow analysis.

Worked side by side with Asset Managers in the preparation of the large relationship annual reviews.

Comerica Bank, Credit Analyst

National Dealer Group – Costa Mesa, CA, 04-11 to 11-11

Middle Market Group – Long Beach CA, 04-10 to 03-11

International Lending Group - Costa Mesa, CA, 09-09 to 03-10

Private Banking Group - San Francisco, CA, 01-07 to 08-09

Supported various Commercial Lending groups including: Wealth Management, International Lending,

Middle Market and National Dealer Group.

Supported the department's goals through effective credit structure and financial analysis.

Underwrote new loan proposals and performed annual reviews of existing loans.

Spread corporate/personal financial statements and tax returns, developed pro-forma statements and cash

flow projections, compiled loan proposals for committee's approval.

Interacted with credit administration, loan servicing, operations, legal and other related personnel

regarding issues of credit quality and loan documentation process.

Ensured that required reports were prepared and conducted in compliance with bank's policies and audit

standards, such as Credit Quality Review reports, assuring customers were in compliance with financial

reporting and covenant requirements.

Key West Financial, Loan Processor Associate/Internship

Huntington Beach, CA 06-04 to 09-04

Created and organized loan packages for the loan application process using Calyx Point.

Able to target and calculate standard mortgage ratios

Assisted loan officers/brokers and contacted lenders for loan and rate information

Coordinated with title companies, appraisers and credit companies in the ordering of reports and

supplements

First Funding Mortgage, Administrative Assistant

Santa Ana, CA 06-03 to 09-03

Maintained databases and organized office/personal workspace

Completed a broad range of complex responsibilities involving compiling reports, scheduling meetings,

and responding to routine correspondence

Performed administrative duties and operations

EDUCATION

California State University East Bay, Hayward, CA Graduated in June 2006

B.S. Degree in Business Administration, Emphasis in Finance and Marketing

Up with People/Study Abroad, United States, Europe and Japan 07-05 to 12-05

WorldSmart Leadership Program Certificate of Achievement

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