Robert A. Luca

Staten Island, NY ***** • 917-***-**** • ad1m78@r.postjobfree.com

Profile

Recognized as a hardworking, analytical and resourceful professional, offering diversified experience in relationship management, analytics, advisement, operations and administration • Employ strong leadership and negotiation skills to attain financial and operational goals • Strengths in conveying conceptual ideas to clients • Concise, tactful and persuasive communicator • Performance reflects reliability, attention to detail, sound judgment and professionalism • Cultivate and maintain productive relationships with superiors, co-workers and a diverse clientele • Prioritize and multitask varied work assignments under fast-paced, high-pressure conditions • Continually strive to increase expertise • Software: Word, Excel and Baker Hill • Internet and social media savvy

Core Competencies

Critical Thinking

Analytical Acumen

Account Management

People Skills

Risk Assessment

Client/Vendor Relations

Strategic Planning

Team Collaboration

Problem Resolution

Time Management

Training/Mentoring

Fiscal Responsibilities

Professional Experience

First Commerce Bank, Lakewood, NJ • Credit Analyst II 2022-Present

Review historical operating statements, balance sheets, income statements, annual operating statements, corporate financial statements and rent rolls. Responsible for monthly, quarterly and YTD actual vs. budget variance analysis.

Bayonne Community Bank, Bayonne, NJ • Credit Analyst II 2021-2022

Worked in collaboration with teams across the organization to implement organizational policies and procedures. Formulated business strategies with department heads. Maintained clear channels of communication.

Popular Community Bank, New York, NY • AVP/Credit Analyst 2016-2021

Performed reviews and complete analysis of guarantors' and entities' tax returns, Schedule E and K-1 statements.

Dime Community Bank, Williamsburg, NY • Sr. Commercial Real Estate Underwriter/Officer 2008-2016

Other Professional Experience: Blackheath, Zenta: Senior Associate • Arbor Commercial Mortgage: Structured Financial Analyst & Underwriting • Emeritus Assisted Living: Financial Analyst • NY Life: Marketing Analyst • China Ocean Shipping Group: Accounts Receivable Representative • Columbus Line: Accounts Receivable Associate

Financial Management Expertise

Business Banking:

Analyze the financial health and creditworthiness of individuals and business clients. Review financial statements, cash flow projections and credit histories.

Advise business clients on managing cash flow, optimizing working capital, planning for growth and navigating financial challenges. Ensure loans conform to credit risk management standards and assigned risk ratings.

Focus on credit quality, regulatory compliance, covenant compliance, bank policy compliance and delinquency control.

Maintain open lines of communication with senior management. Report regularly on the status, trends and credit portfolio concerns.

Account Management:

Develop and sustain lucrative relationships with a diverse clientele. Clients comprised of large-scale reputable financial institutions including banks and securities firms. Provide quality service ensuring optimum levels of customer satisfaction.

Engage in client needs assessments to ensure alignment with short/long-range plans and goals.

Develop positive, custom-tailored business partnerships. Efforts result in enhanced brand awareness and improved loyalty.

Interact with executives and high-profile, high-net-worth clients. Handle client inquiries diplomatically and professionally.

Administration:

Responsible for the financial administration of accounts receivables and collections.

Prepare reports, letters and memoranda. Develop strong relationships with a wide range of vendors and clients.

Adhere to legal and regulatory requirements. Ensure client privacy and data protection.

Remain apprised of economic conditions and market trends affecting current and future investment decisions.

Train and mentor new hires. Educate new employees on all administrative policies and procedures. Foster a keen sense of teamwork among the staff. Facilitate positive employee/management relationships.

Entrusted to manage highly confidential and time-sensitive information and documentation. Apply strong problem-resolution and analytical abilities. Initiate protocol to uphold the employer’s positive reputation.

Education & Licenses

Upsala College, East Orange, NJ • B.A. Business Administration • Minor: Computer Information Systems

Columbia University, New York, NY • Master of Science: Real Estate Development

New York/New Jersey Real Estate License

References Furnished Upon Request

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