Manager Real Estate

EDWARD MUELLER, CPA

New York, New York ***** 847-***-**** acrtbn@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Audit Due Diligence Credit/Risk Analysis and Underwriting Federal Regulatory Compliance

Trusted fiduciary leader, with extensive experience in federal bank regulation and Fortune 50 corporate middle market, and secured/asset-based lending banking environments, evaluates the financial soundness of institutions, mentors productive teams and assesses risk while ensuring regulatory compliance. Conscientious banking expert excels at proactively identifying loan issues, synthesizing large data sets and structuring loans to meet borrower needs. Collaborative team player and diplomat builds relationships based on mutual trust, integrity and results while assessing companies with assets up to $50 billion.

PROFESSIONAL EXPERIENCE

Ponce De Leon Federal Savings Bank, Bronx, New York` 6/2014 to present Business Loan Department

Manage diverse loan portfolio of New York metro area commercial borrowers, focusing on the small to middle market. Managed department during much of my tenure while department head was on medical leave. Structure new loan transactions and renewals for Loan Committee presentation. Specific exposure to transactions with developers and contractors of commercial and residential real estate.

Citibank, Long Island City, New York 11/2012 – 5/2014

Vice President/Business Banking Credit Officer 3, Judgmental Underwriter

Managed diverse loan portfolio of 50 Manhattan-based commercial borrowers aggregating $150 million for a global financial services company. Safeguarded bank assets, maintained loan quality, exercised prudent credit judgment and minimized risk. Analyzed the financial condition and credit worthiness of borrowers and individuals; focusing on situations with complex loan structures and those involving SBA and export-import (EXIM) government programs.

Inspected, interpreted and reported on historical and projected financial statements, tax returns and biographical data, as well as prevailing industry and market conditions, and credit reports to define borrowers’ repayment capability. Supported bankers by underwriting requests for client credit extensions, writing annual reviews highlighting high-dollar exposure transactions and tracking compliance with loan covenants. Employed knowledge of banking products and services, as well as bank credit policies and practices and regulatory policies, to achieve unit compliance and secure satisfactory audit ratings. Recommended process improvements to drive efficiency.

Identified financial deterioration among several borrowers, enabling implementation of mitigating measures that have prevented extensive loan losses

Nominated for and exercised Credit Approval Delegation of $500,000

Federal Deposit Insurance Corporation (FDIC), Schaumburg, Illinois 5/2010 – 9/2012

Resolutions and Receiverships Specialist

Examined financial institutions for soundness and consumer protection and participated in nationwide bank closings amid the worst financial crisis of the 21st century. Employed knowledge of the Dodd–Frank Wall Street Reform and Consumer Protection Act while serving in three functional areas. Served as branch manager in failed bank closings, including banks assumed by another financial institution and banks where insured deposits were paid out; managed FDIC and failed bank staff to close branch operations. Performed The Dodd-Frank Act stress test (DFAST) on selected institutions.

EDWARD MUELLER, CPA

New York, New York 10028 847-***-**** acrtbn@r.postjobfree.com

Federal Deposit Insurance Corporation (FDIC) (continued)

Task Order Oversight, Risk Sharing Asset Management (RSAM) (7/2011 – 9/2012)

Administered a commercial and residential real estate loan portfolio exceeding $300 million. Served as the relationship and portfolio manager for acquiring institutions (AI). Monitored AI and contractor compliance with shared loss agreements and oversaw contractor performance. Managed annual FDIC compliance visitations and approved loan and mortgage charge-offs.

Selected for the Star Award for taking on a temporary technician role to support specialists completing quarterly certificates; ensured success by demonstrating job knowledge and delivering results

Resolution Strategy, Office of Complex Financial Institutions (OCFI) (4/2011 – 7/2011)

Analyzed resolution strategies and plans of financial institutions and bank holding companies with assets exceeding $50 billion. Identified risk sources, documented findings and recommendations, and presented results to senior management teams. Developed expertise with derivatives and counterparty risk.

Recognized with a Mission Achievement Award for contributions to the OCFI Resolution Planning and Implementation Group’s efforts to implement Dodd-Frank Reform and Consumer Protection Act rules

Developed an organization and operating model for systemically important financial institution (SIFI) evaluations and facilitated SIFI resolution plans

Claims Depositor Services, Non Asset Defensive Litigation (NADL) (5/2010 – 4/2011)

Facilitated nine bank closings as a claims subject matter expert and bank branch manager.

Chosen for the Star Award for lead role in bringing the Claims Depositor Services team up to speed on NADL activities and for developing a solid relationship with the FDIC legal group

Established office’s non-asset defensive litigation (NADL) function and became the NADL subject matter expert (SME)

Huron Consulting Group, Inc., Atlanta, Georgia 10/2009 – 3/2010

Asset Manager

Managed loan portfolio litigation at a large FDIC receivership. Restructured distressed real estate loans and mortgages, foreclosures and conducted FDIC case writing. Initiated foreclosure and deficiency suits and coordinated collection actions against delinquent commercial and residential borrowers.

Contributed to strategy, organization and control of the offensive litigation of a $300 million commercial and residential real estate loan portfolio; ensured vigorous and timely prosecution of 135 active cases

Ordered environment reports on foreclosed properties from vendors, enhancing report procurement efficiency to process foreclosed properties swiftly

Independent, Wilmette, Illinois 11/2005 – 9/2009

Consultant/Contractor

Served as an FDIC bank closer, external and internal auditor, financial analyst and workout specialist on failed bank closings and manufacturing, distribution and service industry business investigations. Conducted due diligence in evaluating collateral on prospective borrowers for lending organizations; detected and disclosed material risks and deficiencies, along with mitigation advice, for senior leadership teams. Planned engagements, evaluated facts, developed audit findings and made recommendations; utilized knowledge of Sarbanes-Oxley, FDIC bank closings, workout engagements and financial modeling. Prepared an investor prospectus for private equity investors, including financial statement projections.

Consulted in asset management, pro-forma, reporting, loan operations, interim servicing and settlements divisions while assessing five failed bank closings under FDIC auspices

EDWARD MUELLER, CPA

New York, New York 10028 847-***-**** acrtbn@r.postjobfree.com

JPMorgan Chase & Co., (formerly Bank One) Chicago, Illinois 12/1997 – 10/2005

Associate/Securitization Auditor, Asset-Backed Securities (2004 – 2005)

Managed and conducted securitized receivables audits of corporate borrowers in collaboration with audit services vendors, including public accounting and consulting firms; audits included Sarbanes-Oxley, internal audit work papers and report reviews.

Staff Officer, Corporate Field Audit, Commercial Bank (1997 – 2004), promoted from Senior Examiner

Conducted borrower due diligence reviews of corporate, middle market, commercial and residential real estate, asset-based and managed-asset accounts. Performed financial, collateral and source document analysis to support audit findings and identify deficiencies; developed in-depth knowledge of financial analysis. Identified trends in emerging issues, devised analytical approaches, formed conclusions and made recommendations. Managed audit teams and interacted with senior managers to assess accounting and credit risks, evaluate collateral and identify the strengths and weaknesses of secured and unsecured facilities; addressed deficiencies with recommendations for managers and decision makers.

Recognized by managers for averting major loan losses with several borrowers; success attributed to comprehensive borrower risk analysis and trend identification skills in deadline-driven situations

EDUCATION

Illinois Institute of Technology, Chicago, Illinois

Master of Business Administration, concentration in Finance

Northern Illinois University, De Kalb, Illinois

Bachelor of Science, Finance and Operations Management (double major)

ADVANCED TRAINING

Citibank – Early Problem Loan Recognition, 2013

FDIC – Claims Administration, Branch Management, Contract Oversight Management, Corporate Mortgage Backed Securities: Assessing Value and Risk, Securitization: Residential Mortgage Backed Securities, FACTS, One FDIC Abridged, Internal Review, Receivership Oversight, Business of Resolutions and Receiverships and No FEAR Act, Risk Sharing Asset Management, Case Writing, Clear and FDIC Repudiations, 2010 – 2012

CERTIFICATION

Deposit Insurance Claims – FDIC, 2010 and Certified Public Accountant (CPA) – State of Illinois

PROFESSIONAL AFFILIATIONS

American Institute of Certified Public Accountants (AICPA) and New York State Society of CPAs

LANGUAGES

Multilingual: Spanish and French (conversational)

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