Manager Management
Resume:
Steve Benders
*********@*****.***
Credit and Risk Management Specialist with over twenty years of experience in financial and securities analysis, banking, loan underwriting and origination.
PROFESSIONAL EXPERIENCE:
STRATEGIC CAPITAL INTERNATIONAL, LLC., Riverdale, NY
President – Structured Financing Specialist August 2007 - Present
Facilitate project financing via conventional lending, hard money lending, private equity, hedge fund financing, credit enhanced structured financing and leveraged structured financing
Help principals monetize credit enhancements such as traded securities and bank instruments
Help principals monetize in-ground assets, land, insurance wrapped assets and assets held under SKRs
GUARANTEED HOME MORTGAGE, Inc., White Plains, NY
Branch Manager – Loan Originator April 2006 – August 2007
Hire, train, evaluate and supervise 3 teams of loan officer
Oversee origination, due diligence and processing of residential and commercial loans
Make decisions on all marketing, advertising and networking functions
BASIK FUNDING MORTGAGES, LLC, Nanuet, NY
Sr. Loan Manager – Loan Originator April 2004 – April 2006
Consulted and assisted clients in the mortgage obtainment process and beyond
Creatively structured facilities including construction loans, mixed-use mortgages, commercial mortgages, residential mortgages, and HELOCs to meet clients’ needs
Headed up marketing efforts for the branch
TMR MANAGEMENT, LLC, New York, NY
VicePresident – Loan Originator/Private Banking Officer March 2002 – March 2004
Analyzed credit requests from clients to qualify them for appropriate mortgage programs
Consulted and assisted clients in the mortgage obtainment process and beyond
Structured facilities including construction loans, mixed-use mortgages, conforming mortgages, non-conforming mortgages, high LTV loans and HELOCs
MERRILL LYNCH & CO., Princeton, NJ
Credit Manager - Vice President, Private Finance Credit & Operations Administration July 1998 – February 2002
Performed security/credit analysis on domestic and foreign equities, domestic and foreign fixed income, principal-protected securities, structured securities, mutual funds, hedge funds and exchange funds
Assigned advance/maintenance weightings, based on fundamental and liquidity analysis
Performed financial statement analysis and due diligence to mitigate bankruptcy risk
Teamed with relationship managers in prospecting new clients, structuring credit facilities, negotiating credit limits, pricing, facility terms and conditions to acquire new business
Approved over $3 billion in securities based loans without incurring losses
Completed risk management projects including procedures for currency risk mitigation and monitoring, general lending guidelines, and guidelines for lending to non-resident clients
BANK JULIUS BAER LTD., New York, NY
Credit & Account Officer - Assistant Treasurer, Credit Department December 1993 – June 1998
Performed security analysis of domestic and foreign securities, derivatives, hedge funds and fund of funds to determine the quality and liquidity of the pledged collateral
Performed extensive financial statement analysis for commercial credit and counter-party lines
Structured credit facilities including securities based loans, letters or credit, unsecured credit, commercial and residential mortgages, foreign exchange trading facilities, and both bank and non-bank counter-party lines to satisfy clients’ needs, while mitigating risks
EDUCATION:
Rutgers Graduate School of Management – Newark, NJ
MBA - January 2003, Concentration: Fixed Income
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