Minesh Brahmbhatt

** ****** *** *****, ******, TX 77382

Cell: 419-***-****; Alternate number: 713-***-****

Email-id: ad2def@r.postjobfree.com

EXECUTIVE PROFILE:

Dynamic and reliable Commercial Lending Manager with 18 years of commercial lending, banking, customer service and consulting experience.

PROFESSIONAL EXPERIENCE:

Continental Commercial, Spring, TX Sept 2019 – present

Commercial Lending Business Analyst /Operation Manager

Commercial financing, mortgages for restaurants, commercial, residential, resort properties and franchise retail stores UPS, BP, Sunoco, Subway

In-depth knowledge of negotiation of lease, subleases, franchise and retail agreements, purchase, and sales agreements, P&L Analysis, Balance sheet, DSR, DTI

Provides strategic direction for all phases of lending and mortgages, including Commercial and Business lending, bridge financing and Commercial mortgage and business products.

Provides lending products and delivery that meet the needs of the market.

Develops secondary market partners and coordinates the sale of loans.

Recommends pricing strategies to support the CU goals.

Recommendation of underwriter for SBA 504-7A loans.

Provides training and does coaching for staff toward goal achievement.

Residential financing through various local banks for FHA, VA, USDA, Conventional

Great Lakes Credit Union, Toledo, OH July 2016 – Sept 2019

AVP Lending Business Analyst/ Manager

Operated the commercial lending department with 6 sales associates with outstanding experience of more than 20 years in USA for commercial and residential lending, financing, mortgages and management and development of restaurants, commercial, residential, resort properties and franchise retail stores.

In-depth knowledge of negotiation of lease, subleases, franchise and retail agreements, purchase and sales agreements

Provides strategic direction for all phases of lending and mortgages, including Commercial and Business lending, bridge financing and Commercial mortgage and business products.

Provides lending products and delivery that meet the needs of the market.

Develops secondary market partners and coordinates the sale of loans.

Recommends pricing strategies to support the CU goals.

Recommendation of underwriter for SBA 504-7A loans.

Provides training and does coaching for staff toward goal achievement.

Monitors the CUDL program and provides a monthly report.

Performs monthly loan audits.

Back-up for all lending and collections staff.

Processes all employee loans.

PNC Bank, Detroit, MI April 2016 – Nov 2016

Commercial lending Manager

Meet with clients for mortgage opportunities as scheduled.

Interact with all branch personnel.

Interact with customer traffic.

Review Book of Business client profiles with retail partners to uncover mortgage opportunities.

Discuss any cross-sell opportunities discovered by LO.

Review mortgage pipeline with Branch Manager and/or delegate, as directed by Branch Manager.

For LOs who also call on Private Banking, a pipeline review should be held with PB RMs.

Expedite loans in process by regularly reviewing pipeline, following up on documentation with borrowers, interacting with title companies, realtors, attorneys, etc.

Make outbound calls and engage in electronic communications to centers of influence (COI) for business development.

Key at Work Calls: Make at least one Key at Work call with retail partners rotating among assign branches.

CIBC Bank, Chicago, IL February 2011 – April 2016

Commercial Business Development Manager

Operated the commercial lending department with 11 sales associates with outstanding experience of more than 20 years in USA and Canada for lending, financing, mortgages and management and development of restaurants, commercial, residential, resort properties and franchise retail stores.

In-depth knowledge of negotiation of lease, subleases, franchise and retail agreements, purchase and sales agreements.

Develop customer contacts, building relationships with both existing and new clients effectively create and present proposals to clients Work individually and with sales teams to meet and exceed all assigned sales.

Responsible for analyzing rent rolls, operating statements and financial/net worth statements, cash flow analysis, debt service ratio, forecasting, business plans to determine the appropriate loan size, terms and pricing.

Prepares financial analysis and credit documents to assist underwriting in the loan approval process.

Prepare conventional and non-conventional underwriting packages. Prepare documents for SBA 504,7A loans for preparations for approvals. Market existing products to mortgage broker network and direct borrowers.

Develop and expand client base, while increasing income and company profit.

Negotiation and Structuring of Property Financing, Mortgage Debt, Equity, Coordinating Loan closings etc.

Business Development including Development for business, real estate mortgage opportunities, make suggestions for new area of business, investigate institutional financing Ensure the bank's credit policy and guidelines are followed and the real estate team follows sound lending practices.

Mentor, train and provide leadership to the real estate team.

CIBC, Toronto, Canada November 2000 – January 2011

Business Development Manager

Business Development for mortgages and financing of business, real estate mortgage opportunities,

Ensure the bank's credit policy and guidelines are followed and the real estate team follows sound lending practices.

Mentor, train and provide leadership to the team.

Compiles packages of property data for clients that contain material specifically tailored to each client.

P& L statements.

Complete sales documents including sales reports, daily activity.

Reports, weekly sales meeting minutes and update purchaser status report.

A-1 Commercial Real Estate Developers, Chicago, IL March 1989 to October 2000

Managing Real Estate Broker

In-depth knowledge of negotiation of lease, subleases, franchise and retail agreements, purchase and sales agreements.

Develop customer contacts - forging relationships with both existing and new clients Effectively create and present proposals to clients.

Work individually and with sales teams to meet and exceed all assigned sales targets Prioritize and meet tight deadlines.

Create new market development initiatives.

Negotiation and Structuring of Property Financing, Mortgage Debt, Equity, Coordinating Loan closings etc.

Ensure the bank's credit policy and guidelines are followed and the real estate team follows sound lending practices.

Mentor, train and provide leadership to the real estate team.

Gathers and coordinates materials necessary for transactions, including listing/commission agreements, leases and sales agreements.

Drafts various correspondences to existing and prospective clients. Prepares and sends marketing materials.

Overseeing financial management (rent collection, budgeting, recovery analysis, accounts payable and accounts receivable).

EDUCATION:

Bachelor of Science: Business Management in 1996 from St. Cloud, MN, USA

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