Credit Analyst, Management Analyst

Terrence W. Franklin

*** ***** ***., ***. ***, North Plainfield, New Jersey 07060

Phone: 908-***-**** E-Mail: **********@*****.***

Summary

As a seasoned Commercial Credit Analyst in the property management industry, I have successfully provided employers with accurately forecasted credit risks derived from analytical/quantitative analysis that identifies possible credit issues (or the lack thereof) of perspective tenants avoiding financial distress for the company in the future.

Experience

Garden Homes Short Hills, NJ

Senior Credit Analyst 2008- Present

Senior Credit Analyst responsible for comprehensive examinations of credit, employment and other factors ensuring collateral integrity, documentation accuracy, and credit quality of the perspective tenants of Garden Homes by:

Assessing tenant applications for accuracy and credit worthiness using Yardi Voyager as well as CoreLogic to provide a precise risk score for prospective tenants. I utilize the results of this analysis to formulate a tenancy determination.

Performing background checks (employment, motor vehicle and criminal) for perspective tenants using First American Registry (a CoreLogic SafeRent program). The results of this analysis reveal whether a prospective tenant passes the screening process.

Understanding the protocols and difference in procedure pursuant to State standards and regulations when processing applications for Section 8.

Communicating with prospective tenants to explain decisions, policies and procedures as well as recommend interim and permanent corrective actions to mitigate the identified risks.

Advising property managers & company executives on issues of policy and procedure in terms of the Fair Housing procedures and tenant privacy standards.

Sheraton Four Seasons Greensboro, NC

Security Officer 2005- 2007

Part of the Security Team at the Four Seasons responsible for maintaining a safe and secure environment for patrons and employees by:

Patrolling and monitoring the premises and its personnel; monitoring surveillance equipment; inspecting buildings, equipment, and hotel access points.

Ensuring that designated areas are secure on a daily and particularly during largely populated events hosted on hotel grounds.

Continually monitoring all activity throughout the hotel and parking areas.

Education

Albright College Reading, PA

Business Management 2000- 2001

Membership: Iota Phi Theta, Beta Kappa Chapter

North Carolina A&T State University Greensboro, NC

Business Management & Marketing 2003- 2007

Skills

Yardi Voyager, Corelogic Saferent, Rentgrow, Microsoft Office Suite (Word, Excel, PowerPoint, Outlook), risk scoring assessments, and risk analysis

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