EUDISIS GARCIA

Newark, NJ ***** 201-***-****

ad4iho@r.postjobfree.com linkedin.com/in/eudy-garcia-9087a752

SENIOR REAL ESTATE PARALEGAL

Summary

Results-oriented Senior Real Estate Paralegal with over 20 years of experience specializing in commercial lending portfolios. Skilled in navigating complex loan transactions for commercial properties, ensuring accuracy and adherence to regulations. Expertise in drafting and reviewing loan documents, conducting due diligence, and managing loan servicing processes. Proven ability to analyze loan performance data, identify potential risks, and contribute to effective portfolio management. Adept at collaborating with internal and external stakeholders to achieve successful loan closings and portfolio stability.

Loan Origination and Due Diligence:

Assisted in underwriting commercial loan applications and reviewed financial statements, appraisals, and market analyses.

Conducted in-depth due diligence on borrowers, including business entity verification, financial strength analysis, and collateral evaluation of commercial properties.

Drafted and negotiated various loan documents specific to commercial lending, such as:

oLoan commitment letters with detailed terms and conditions.

oCommercial mortgages with specific covenants and guarantees.

oGuaranties from affiliated entities.

oMezzanine financing agreements.

oEnvironmental site assessments and related documentation

Coordinated with closing teams, title companies, and external counsel to ensure all necessary documentation is collected and reviewed.

Prepared comprehensive closing binders for commercial loan transactions.

Loan Closing and Documentation:

Managed the closing process for commercial loans, ensuring all documents are executed with proper authorization.

Facilitated smooth and efficient closing working with lenders, borrowers, and closing agents.

Oversaw the recording of mortgages and other security instruments with the appropriate government agencies.

Ensured all post-closing documents are collected and filed accurately.

Loan Servicing and Portfolio Management:

Monitored and tracked the performance of commercial loans, including payments, defaults, and potential covenant violations.

Prepared reports and updates for senior management on the status of the commercial lending portfolio.

Assisted with loan modifications and workouts for borrowers facing financial difficulties.

Proactively assessed potential foreclosure actions, bankruptcy proceedings, and other legal matters related to delinquent loans.

Analyzed portfolio trends and identified potential risks associated with specific properties or market sectors.

Regulatory Compliance and Risk Mitigation:

Stayed current with federal and state regulations governing commercial real estate lending, such as Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) and Real Estate Settlement Procedures Act (RESPA).

Implemented procedures to ensure compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

Identified potential legal and regulatory issues related to commercial loan transactions and advised on risk mitigation strategies.

Additional Skills and Qualities:

Strong understanding of commercial real estate law, lending practices, and valuation methods.

Excellent analytical and problem-solving skills with the ability to handle complex financial data.

Superior communication and interpersonal skills to effectively collaborate with diverse stakeholders.

Meticulous attention to detail and accuracy in legal and financial documentation.

Ability to work independently and manage multiple projects simultaneously while meeting deadlines.

Proficient in legal research and document management software.

Eudisis (Eudy) Garcia 201-***-**** Page Two

Familiarity with commercial loan servicing software is a plus.

Collaboration in equity/debt financings such as loan/credit facilities and publicly traded common stock in lender affirmative covenants certifications (resolution to cap table management.)

Managed and oversight, drafting, reviewing, and filing of global equity securities filings for beneficial owners per their respective trading plans.

Proficient negotiating, work independently with minimal supervision within fast-paced environments with an emphasis in due diligence, strong understanding of ancillary loan documents and corporate structures, experienced drafting and negotiating commercial M&A and private placement financings, construction, bridge, and mezzanine lending documents.

EXPERIENCE

USBank, New York, NY 09/2022 – 09/2023

Corporate Account Analyst / https://www.usbank.com/

Performed recurring account reviews, stop payments relating to daily administration of Project Finance and Corporate Escrow accounts, monitoring daily account balances and report any account with overdrafts, rendered and collected client invoices, processed payment disbursements and audit confirmation requests.

Responsible for Corporate Governance and sec filings.

Brookfield Renewable, New York, NY 02/2023 – 08/2023

Paralegal / https://www.brookfieldrenewableus.com

Reviewed and analyzed commercial solar contracts using software tool Document Intelligence.

Identified and documented relevant sections within agreements/contracts related to facilities, financials, and responsibilities.

Due Diligence (corporate governance, organizational documents, resolutions and certificates, original collateral, checklists, signature pages, closing and post-closing conditions.

Citizens Financial Group Inc., Newark, NJ 01/2021 – 02/2022

HM Retail Condo/Coop Underwriter / https://www.citizensbank.com/HomePage.aspx

Provided underwriting for complete product offerings, including automated and manual portfolio, Jumbo, FHA, VA, Bond Agency, and Construction-to-Perm loans, conventional first mortgages.

Mitigate organization risk through appropriate decision making.

Bank of America, New York, NY 11/2019 - 01/2021

Condo Coop Project Review Specialist / https://careers.bankofamerica.com/en-us

Conducted due diligence of condominiums and coops, in addition to reviewing financials and ancillary documentation.

Established eligibility criteria by adhering to FNMA, FREDDIEMAC, HUD, VA, BANK OF AMERICA’s guidelines, which led to sound project risk assessment.

Provided project approval, suspense, denial.

Simon Premium Outlets Morristown, NJ 3/2018 - 3/2019

Senior Commercial Real Estate Paralegal / https://www.premiumoutlets.com/

Provided Title review and closing coordination.

Drafted and reviewed leases and digests.

Coordinated closings of Direct Commercial Mortgage Loan Originations, Structured Debt, CMBS, Unsecured debt inclusive of REITs, direct property development and ownership, and Partnership and fund investments.

Due Diligence (corporate governance, organizational documents, resolutions and certificates, original collateral, checklists, signature pages, closing and post-closing conditions in M&A transactions and private placement financings.

Eudisis (Eudy) Garcia 201-***-**** Page Three

ADDITIONAL RELEVANT EXPERIENCE 2011 - 2019

Expertise in real estate law, lending regulations, and loan documentation ensures smooth transactions and mitigates risk within the following corporations:

Entity Analyst - Private Banking Group at Morgan Stanley, New York, NY /

Paralegal Manager at Ablitt & Charton, P.C., Stoneham, MA

Real Estate Paralegal at Mark Gladstone, P.C., Braintree, MA

Real Estate Paralegal at Wood Title & Settlement Services, Braintree, MA

Commercial Real Estate Paralegal at Thor Equities, New York, NY,

Commercial Coordinator at Kensington Vanguard, New York, NY

Commercial Real Estate Paralegal at Mack-Cali Realty Corporation, Jersey City, NJ

Commercial R.E. Paralegal at Sills Cummis & Gross, P.C., Newark, NJ -

Commercial Real Estate Paralegal at Platinum Health Care, LLC, Lyndhurst, NJ

Commercial Real Estate Paralegal at Law Office of John F. Wise, South Orange, NJ

Commercial Real Estate Paralegal at Winston & Strawn, New York, NY

Real Estate Paralegal at Zucker & Goldberg, Mountainside, NJ

Real Estate Paralegal (Foreclosure) at Bank of America, Newark, NJ

Korde Associates, P.C, Chelmsford, MA 01/2008 - 09/2011

Real Estate Paralegal Manager

Managed and supervised Post-Foreclosure Department

●Reviewed and drafted Deeds, Assignments and Loan Modification/Loss Mitigation for FNMA, FHLMC, FHA, and VA.

●Title clearance, drafting, reviewing, and recording Foreclosure, REOs, DIL, Short Sales, and Third-Party Sales

Real Estate Paralegal Manager at UMASS/MEDICAID, Boston, MA 12/1998 – 06/2003

Managed and oversaw Estate Recovery Staff, filing and releasing Real Estate liens on behalf of Medicaid. Case management, negotiation, and Settlement - Probate, Trust and Estates, personal and real property

Subrogation and Worker’s Compensation case management, negotiation, and settlement of Auto, Workers Compensation, Malpractice and Administrative Law hearings at the Department of Industrial Accidents within the north, central, western, and southern Massachusetts area

EDUCATION

Bachelor of Science, Criminal Justice, Anna Maria College, Paxton, MA

Juris Doctorate, former 2nd year law student, Massachusetts School of Law, Andover, MA

SOFTWARE COMPETENCIES

OS, Software/databases: Document Intelligence, SQL, Excel, Tableau, Blueprint, SharePoint, PACE, Microsoft Office, Windows 11,

Contact this candidate