Kimberly Lyons 214-***-**** cell • ad3phs@r.postjobfree.com • LinkedIn Profile

Senior-Level Commercial Real Estate Portfolio Manager Dynamic and results-oriented Commercial Real Estate and Commercial & Industrial Portfolio Manager with over 20 years of extensive experience in portfolio management, underwriting, and risk assessment. Excelled in managing multi-billion dollar portfolios, demonstrating exceptional skills in financial analysis, client relationship building, and strategic decision-making. Proven track record in leading high-performing teams and delivering innovative solutions in complex and challenging environments, significantly enhancing portfolio performance and client satisfaction.

Skills and Core Competencies

Risk Assessment: Proven ability to evaluate and mitigate financial and operational risks, as evidenced by managing a $2.5 billion-dollar portfolio of multifamily and mixed-use assets at Capital One Bank with less than one percent of loans classified as watched assets.

Underwriting: Demonstrated expertise in underwriting Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loans, including a diverse portfolio exceeding $1.2B in asset value at Origin Bank.

Auditing: Experienced in conducting thorough audits, highlighted by a tenure at Capital One Bank, where I received no findings from Credit Review and led the Risk Audit Team in the number of completed audits.

Portfolio Management: Skilled in balancing risk and return for portfolio growth, exemplified by overseeing a commercial portfolio exceeding $1.2B in asset value at Origin Bank.

Analytical Skills: Proficient in utilizing analytical tools and models for data-driven decision-making, as shown by the successful underwriting of multifamily loans for a National FHA Lender at Musa Financial.

Loan Workout Experience: Skilled in restructuring loan terms and implementing benchmarks during the COVID-19 pandemic at Origin Bank, focusing on businesses impacted, like hotels and restaurants.

Relationship Building: Established and maintained client relationships in a client-facing role at Origin Bank, managing a diverse portfolio encompassing multifamily, commercial, industrial, and other assets.

Change Management: Adapted to rapidly changing market conditions and client needs, particularly during the COVID-19 pandemic at Origin Bank.

Strategic Planning: Demonstrated strategic decision-making skills in managing and mitigating risk for a $2.5 billion portfolio at Capital One Bank.

Time Management: Excelled in managing multiple tasks and adhering to strict timelines across various roles, including the rigorous demands at JPMorgan Chase Bank.

Decision Making: Made strategic decisions for portfolio growth and risk mitigation, as evidenced by managing a $2.5 billion portfolio at Capital One Bank.

Team Collaboration: Collaborated effectively with underwriters and managers to address audit findings at Capital One Bank.

Areas of Expertise

Commercial Real Estate Analysis - Loan Origination & Compliance - Financial Analysis - Credit Risk Management - Asset Valuation - Regulatory Compliance - Market Analysis - Client Relationship Management - Commercial Lending Practices - Financial Reporting - Credit Review & Analysis - Strategic Loan Structuring - Real Estate Marketing - Investor Relations - Project Coordination - Due Diligence - HUD Guidelines - REO Asset Management - Agency Underwriting - Multifamily Mortgages - Operational Oversight - Risk Rating Assessment - Portfolio Monitoring - Performance Analysis Executive Career Progression

Beal Bank, Plano, Texas 2023

Senior Examiner (contract role)

● Engaged in a contractual position with Beal Bank to support the FDIC.

● Evaluated commercial origination loan files to ensure content and compliance. Senior Examiner continued…

● Assessed loans/assets comprising multifamily, mixed-use, and retail properties in New York and the tri-state area.

● Conducted thorough testing of covenants and original underwriting to ensure compliance and accuracy.

● Presented findings to a panel of bank officers, preparing for the sale of a substantial portfolio from a recently failed financial institution.

Origin Bank, Dallas, Texas 2018-2022

VP, Commercial Portfolio Manager II

● Successfully oversaw a commercial portfolio exceeding $1.2 billion in asset value.

● Managed a diverse portfolio encompassing multifamily, commercial, industrial, warehouse, and land assets.

● Established and maintained client relationships in a client-facing role.

● Supported up to four Commercial Relationship Managers by screening potential financing opportunities, pricing, preparing loan packages for the credit loan committee, and conducting initial underwriting.

● Issued Letters of Intent and Commitment Letters for new loan opportunities.

● Coordinated with attorneys, appraisers, and other third-party contractors.

● Conducted daily monitoring of past-due loan payments and upcoming maturities and ensured compliance with loan covenants.

● Prepared and presented Credit Packages to the credit committee.

● Participated in special projects as a reviewer and approver for audit oversight.

● Monitored a monthly portfolio of non-performing loans, focusing on businesses impacted by the COVID-19 pandemic

(hotels, schools, restaurants, skilled nursing facilities), restructured loan terms, implemented benchmarks, and modified agreements to support customer recovery.

● Acted as the primary contact for all bank and customer-related requests.

● Engaged in cross-selling additional bank products to both existing and new customers. Capital One Bank, Dallas, Texas 2014-2018

AVP, Commercial Real Estate (2016-2018)

● Managed and mitigated risk for a $2.5 billion portfolio of multifamily and mixed-use assets.

● Conducted annual reviews for all loans within the portfolio, with loan balances reaching up to $300 million.

● Monitored less than one percent of loans in the portfolio as watched assets.

● Gained experience with REIT and participation loans.

● Conducted quarterly monitoring of loan covenants and reporting requirements.

● Analyzed third-party reports, including appraisals, and environmental and engineering reports.

● Conducted site inspections, lease audits, and market analyses for transactions.

● Underwrote multifamily mortgages for loan modifications and assumptions.

● Prepared and presented transactions to the credit committee. Audit Associate (2014-2016)

● Performed underwriting reviews for various asset types, including existing multifamily, multifamily new construction, retail, industrial, municipal, and energy, adhering to business line underwriting guidelines.

● Collaborated with underwriters and underwriting managers to address audit findings.

● Audited a quarterly sampling of commercial real estate originations and underwriting.

● Received no findings in audits from Credit Review during my tenure in this role.

● Led the Risk Audit Team in the number of completed audits across all reporting quarters.

● Ensured underwriting compliance with various lines of business. Musa Financial, Dallas, Texas 2012-2014

FHA Multifamily Underwriter

● Underwrote multifamily loans for a National FHA Lender, ensuring compliance with the MAP guide.

● Applied FHA underwriting guidelines to multifamily mortgage loans.

● Analyzed and recommended procedures for new construction, refinance, and substantial rehabilitation.

● Conducted site inspections in accordance with the HUD MAP guide. FHA Multifamily Underwriter continued…

● Coordinated with appraisers and environmental and engineering firms to obtain project plans and reports.

● Collaborated with borrowers and legal counsel in the development and structuring of transactions.

● Conducted analytical reviews of operating and expense statements, operating costs, and budgets.

● Prepared loan packages and facilitated HUD Concept Meetings, as well as submissions to HUD. First American Corporation, Westlake, Texas 2011-2012 Commercial Asset Manager

● Managed a portfolio of Commercial REO assets, including small multifamily communities.

● Collected and analyzed asset history information.

● Provided clear guidance and direction to assigned real estate listing agents and brokers.

● Reviewed asset valuation and reconciliation.

● Evaluated and approved required repair bids, ensuring the completion of approved work.

● Developed individual marketing action plans for each asset in the assigned portfolio.

● Listed and marketed properties, adjusting prices as needed according to department guidelines.

● Negotiated and executed sales contracts and addenda in accordance with lender guidelines.

● Coordinated closings with title agents, loan funding, and borrowers. JPMorgan Chase Bank, Irving, Texas 2003–2010

Senior Commercial Portfolio Manager/Underwriter

● Managed a portfolio of bank-owned and investor-owned loans for the Portfolio Management Group, covering multifamily, retail, office, medical, and industrial properties. Solely managed the investor loan portfolio for nine months during the establishment of the GSE department.

● Ensured compliance with Investor Pool Servicing Agreements.

● Prepared and completed investor reports.

● Assessed credit risk to mitigate loss within the portfolio, making recommendations and approving risk ratings.

● Developed risk standards based on derived risk ratings, monitoring credit limits and exposure quarterly.

● Reported variances in risk standards.

● Analyzed non-performing properties and recommended transitions to the Special Assets Group.

● Reviewed and approved all property inspections, tracking deferred maintenance and capital improvements.

● Underwrote multifamily mortgages for assumptions, conducted financial analysis of borrowers, performed performance analysis of properties, and assessed market conditions nationwide.

● Negotiated and approved commercial leases.

● Held signing authority to approve all assumptions and modifications of loan amounts up to $10 million. Education

Angelo State University, San Angelo, Texas — Business

Cisco Junior College, Abilene, Texas — Real Estate Program

North Lake College, Irving, Texas — Commercial Mortgage Banking Professional Development and Training

JPMorgan Chase Bank: Completed formal credit training for agency underwriting and management.

Origin Bank: Completed formal credit training in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) underwriting and management.

Capital One Bank: Completed formal Commercial (Multifamily) Credit Training, as well as training in Commercial Audit, Credit, and Risk Assessment.

Midwest Lenders Conference: Received training in HUD's Multifamily Accelerated Processing (MAP) program.

Mortgage Bankers Association via Southern Methodist University: Successfully completed courses in underwriting, financial analysis, cash flow analysis, appraisal review, and environmental report review.

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