Real Estate Client Service

Mark Gertsberg

248-***-**** ● West Bloomfield, MI 48324 ● linkedin.com/in/markgertsberg ● *************@*****.***

EXPERIENCED FINANCIAL SERVICES PROFESSIONAL

SEEKING A CAREER IN ACCOUNTING

Broad understanding of current mortgage banking guidelines, loan programs and trends

Strong sense of urgency with a passion to provide excellent client service, often going beyond the call duty

Proven ability to work in a fast-paced environment with high degree of accuracy and attention to detail

Solid interpersonal, verbal, and written communication skills; strong analytical, problem-solving, and organizational abilities

Proficient in Microsoft Office applications including Excel, Word, Outlook, and Teams

EDUCATION

WAYNE STATE UNIVERSITY, Detroit, MI Graduated 2005

Bachelor of Science in Finance

PROFESSIONAL EXPERIENCE

Quicken Loans, Detroit, MI 2019 – 2023

Residential Mortgage Executive Credit Underwriter

Analyze various loan documents (credit reports, income documentation, personal and business tax returns, assets, appraisal reports, insurance documentation, etc.) for accuracy and completeness to determine appropriate tracking items needed and decide on the next step in the loan process (banker clarification, conditionally approve, suspend, or final signoff).

Utilize AMP software to manage loan pipeline, calculate whether clients’ income, assets, and credit meets guidelines, update client lien information, and identify potential mortgage fraud and occupancy red flags.

Communicate with mortgage bankers regarding underwriting-specific questions, requests, and overall updates.

Maintain current level of knowledge on all requirements by consistently researching and reviewing applicable guidelines, program updates, credit overlays and changes required for each loan transaction utilizing Pathfinder software.

Consistently exceed expectations by completing 100 initial underwrites per week with 150 loans touched.

Recipient of CAVS Coin (merit award) for above and beyond client service on four different occasions.

Bernard Financial Group, Southfield, MI 2016 – 2018

Senior Commercial Real Estate Underwriter

Evaluated credit requests for loans ranging from $1M to $100M.

Completed detailed financial analysis of real estate assets by reviewing financial statements, rent rolls, tax returns, projections, leases, purchase agreements, ownership structure, and third-party reports.

Underwrote loan requests by spreading financing statements, analyzing trends, completing cash flow projections, real estate valuation, credit/sensitivity analysis, and evaluation of key financial metrics.

Performed market and submarket research utilizing CoStar and Trepp to review industry standards to complete underwriting spreadsheet.

Collaborated with clients, attorneys, brokers, and mortgage bankers to accumulate due diligence material needed to evaluate loan request and answer underwriting questions during the loan process.

Prepared comprehensive credit memorandums on each loan request to assist lenders in providing detailed loan quotes for our clients.

Completed term sheet for each loan request providing clients detailed information on each loan quote to help them decide which lender they would like to use for their loan financing.

Performed site visits for appraisals, environmental, engineering and other due diligence requirements on all commercial property types.

Assisted in over $1B in loan origination and placement for the 5th year in a row.

Mark Gertsberg Page 2

Quicken Loans, Detroit, MI 2015 – 2016

Residential Mortgage Power Banker

Consulted with clients about their financial needs to structure a loan program to achieve their goals.

Collected, prepared, reviewed, and verified all loan application materials.

Advised clients on refinance options and assisted through the loan process from application to closing.

Managed a diverse pipeline up to 50 clients on a daily basis.

Collaborated with underwriters, solution consultants, senior management, and closing team to ensure timely loan funding.

Consistently went above and beyond to ensure client needs are met, including working evenings and weekends.

Received recognition by senior management as being a Top 3 producer in the region multiple months.

Bank of Birmingham, Birmingham, MI 2014 – 2015

Commercial Real Estate Analyst

Analyzed loan information to evaluate the credit worthiness of individuals and businesses applying for lines of credit, business loans (including SBA), or commercial real estate mortgages (up to $1M).

Spread financial information such as business and individual financial statements, projections, and tax returns utilizing CASH software.

Performed in-depth analysis of the borrowers and guarantors including financial performance, credit history, collateral, sources and uses of funds, debt service coverage analysis, and risk rating assignment.

ACRE Capital, Southfield, MI 2013 – 2014

Senior Commercial Real Estate Portfolio Analyst

Oversaw a commercial loan portfolio of approximately 300 Fannie Mae and FHA loans with a combined loan balance of $800M.

Reviewed closing loan documentation in loan servicing system and made initial contact with new borrowers.

Monitored loan portfolio for late payments and contacted borrowers if the loan became delinquent.

Analyzed closing loan documentation to provide pay-off estimates and final pay-off statements for borrowers.

Performed loan reconciliations, researched payments, and resolved receivable issues.

Communicated loan reserve requirements and obtained documentation to disburse funds for required repairs.

Confirmed completion of deferred maintenance items noted during the latest property inspection.

Prepared documentation for insurance loss processing and notified lender of losses.

Arbor Commercial Mortgage, Bloomfield Hills, MI 2006 – 2013

Senior Commercial Real Estate Analyst

Actively participated in screening, processing, underwriting, closing, and servicing of all commercial real estate loans for the Michigan sales office (average yearly funding of $75 - $100M and 15 - 20 closed loans).

Performed detailed financial analysis of operating statements, budgets, credit reports, bank statements, organizational documents, rent rolls, cash collections, and third-party reports.

Evaluated relevant performance metrics of income producing properties and sponsorship in order to determine credit risk, pricing, parameters, and structure of multifamily loans for Fannie Mae, Freddie Mac, and HUD.

Interviewed clients and gathered information related to their financial needs to identify custom loan solutions.

Increased efficiency of the loan process by creating standardized processing checklist used for every loan.

Reviewed third-party reports including appraisal, environmental, property assessment, survey, title insurance, zoning, property and liability insurance to ensure compliance with underwriting standards.

Assisted underwriters with completion of analytical spreadsheets and underwriting narratives to prepare for loan approval.

Performed site inspections requested by servicing portfolio managers to ensure conformity with closing documents.

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