Steven Trow

**** ****** **** *** ****

Long Island City, NY 11109

914-***-****

ad4tbw@r.postjobfree.com

OBJECTIVE: To leverage over 35 years of finance experience and to obtain a challenging lending position that will showcase my talents in the highly competitive world of commercial lending and portfolio management

RECENT WORK EXPERIENCE:

Independent Finance

COO- T SQUARED CAPITAL PARTNERS New York, New York

SELF EMPLOYED COMMERCIAL LOAN CONSULTANTS

October 2017 - Present

●Advised, sold, and financed a real estate portfolio valued above $100MM

●Finance over $80MM of the portfolio into long term CMBS debt

●Sold a portfolio of real estate valued at $17MM

●Advised and placed $23MM in assets into various 1031 exchange portfolios throughout different regions of the United States

●Closed over $100MM in commercial mortgages in 2022.

Vice President of Commercial & Industrial Lending Wayne, New Jersey

Valley National Bank - October 2016 - September 2017

●Responsible for cultivating COI network, prior contacts, and worked with branch partners in northern New Jersey

●Originated loans through the SBA 7(a) and 504 programs and the NJEDA for prospective clients moving into New Jersey

●Worked closely with local CDC’s in New York for SBA consideration

●Responsible for “New to New” business lines with emphasis on Owner Occupied assets from $5MM to $50MM in revenue and up to $15MM in lending capacity

●Worked closely with partners for available cross sell opportunities in the New York/New Jersey metropolitan area

Vice President of Commercial & Industrial Lending Astoria, New York

Alma Bank - November 2015 - September 2016

●Established and maintained a portfolio and origination base throughout a three branch network in New Jersey

●Managed business development and commercial lending operations and garnered new opportunities

●Mentored a junior lender in the New Jersey market

●Presented loan submissions to the Board of Directors

●Worked toward target goal of $45MM with 10% portfolio increase YoY

Market Manager - NYS Business Banking Division Bridgeport, Connecticut

People’s United Bank - June 2012 - October 2015

●Increased portfolio from $46MM to $84MM

●Portfolio consisted of 40% C&I, 25% mixed/multi, 35% lines and other collateral instruments

●Worked on all SBA lending application in New York State region originated by the BB team or branch originators

●Reduced delinquencies from over 10% to less than 3%

●Hired, trained and consulted the entire 98 branch footprint in NYS

Vice President of Business Development Officers Hudson Valley Region, New York

Citizens Bank - May 2008 - June 2012

●Top originator throughout 13-state footprint for a year and a half through merger with People’s United Bank

●Responsibilities included business development, SalesForce reporting and training, and referrals to Credit Card Division, F/X and Leasing

PROFESSIONAL DEVELOPMENT, CERTIFICATIONS and ASSOCIATIONS:

●Rockland Business Association

●Omega trained and certified, 2015

●Licensed real estate broker

●Commercial mortgage broker

●SBA 504 and 7(a) trained

●Presenter at NYS Mortgage Brokers Convention

EDUCATION:

New York University School of Continuing Education New York, New York

Relevant Coursework: Spreadsheet Analysis in Finance

Mercy College Dobbs Ferry, New York

Bachelor of Science in Business Administration

Major: Marketing; Minor: Finance

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