Denise A. Spinelli

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

Hillsborough, NC 27278

818-***-****

https://www.linkedin.com/in/denise-spinelli-54b5499/

Romspen Investment Corporation

Commercial Real Estate Loan Originator

December 2017 – February 2020

Originate, structure and close commercial and residential real estate development, land and bridge loans.

Analyze and track complex commercial real estate transactions.

Loans range from $10MM to $100MM.

Hard money lending, rates from 10% - 13% + points.

Build relationships with CRE mortgage broker/clients throughout the U.S.

Frequently attend commercial real estate seminars and conferences.

Generate leads by networking with industry professionals, advertising and referral sources.

Participate in weekly production meetings to discuss state of anticipated loan closings, loans in process, modifications and construction loan disbursements.

SPINELLI Commercial Mortgage Capital, Calabasas, CA www.spinellicapital.com

Principal January 2015 - Present

Spinelli Commercial Mortgage Capital is a successful commercial real estate brokerage firm that specializes in providing custom-tailored financing services for commercial real estate investments: shopping centers, office and industrial buildings, apartment properties, single-tenant net-lease properties, hotels/motels, senior housing facilities, manufactured home communities, self-storage facilities, construction sites and land.

With over 18 years’ experience as a commercial real estate lender and broker, Denise is committed to addressing the capital requirements of her clients. She arranges financing for commercial and multifamily properties, including acquisition, refinance, construction, bridge and permanent loans. From the initial loan request to the final closing and funding, Denise works closely with her clients to ensure a successful transaction for both the borrower and lender.

In her tenure as a lender and broker she has closed hundreds of millions of dollars in loans with Wall Street Conduits, Banks, Credit Unions and Life Company Lenders. Denise has built relationships with an array of lenders nationwide which allows her the ability to accommodate the borrowers financing needs.

George Elkins Mortgage Banking Company, West Los Angeles, CA

Director - Commercial Real Estate Loan Officer April 2002 – January 2015

California Licensed Broker commercial real estate loan transactions.

Originate, structure and place debt for commercial real estate loans.

Analyze, track and close complex commercial real estate transactions.

Confer with lenders and mortgage banking correspondents to discuss current loan programs.

Frequently attend commercial real estate seminars and conferences.

Generate investor leads by networking with industry professionals, advertising and referral sources.

Participate in weekly production meetings to keep abreast of the current lending market.

First Bank of Beverly Hills, Woodland Hills, CA

Credit Analyst March 2001 – February 2002

Analyze and track all incoming commercial real estate loan transactions.

Assist Senior Loan Officer with marketing for the bank.

Meet with southern California mortgage brokers to discuss banks commercial financing programs.

Interface with underwriting support, loan administration, borrowers, closing agents, attorneys, to facilitate a seamless loan closing.

Countrywide Home Loans, Inc. Moorpark, CA

Asset Manager/Underwriter Construction Lending April 1998 – January 2001

Manage construction extensions and modification approvals. Negotiate collection of extension fees and modification requests. Successfully collected more than $1.3 million in extension fees.

Responsible for negotiation, tracking and documenting construction work out loans.

Review builder qualifications related to department guidelines. Issue underwriting decisions based on review results.

Review construction projects to identify risk levels during the construction phase and generate decisions within department guidelines.

Interface with originating units, underwriting support, loan administration, borrowers, closing agents, builders, title companies, appraisers, legal representatives and management.

Amwest Surety Insurance Company, Inc. Woodland Hills, CA

Underwriter June 1992 - March 1997

Responsible for the underwriting of building contractors for several field offices.

Review field surety bond submissions (primarily construction related entities).

Analyze the financial statements, business and personal, of building contractors.

Assess the credit strength, ability to perform and character of existing and prospective principals/construction related entities.

Travel to various field offices to perform audits, meet with agents and partake in construction site visits with client/contractors.

Claims Examiner

Evaluate claims against various surety bonds.

Negotiate monetary settlements in accordance with local statutes.

Procure and direct outside counsel in litigation matters.

Credit and Collections Manager

Manage the collection of all company accounts, including 30 branch offices nationwide.

Establish agent credit limits nationwide.

Supervise a staff of collection agents.

Monitor problem accounts with in-house as well as outside counsel.

Interface with builders, agents, branch offices, management, and local government agencies.

Education

Bernard Baruch College, New York, NY

Bachelors Degree in Business Administration 1985-1990

Continuing Education

Associate in Fidelity and Surety Bonding (AFSB) Designation:

AFSB 151 - Principles of Suretyship.

AFSB 152 - Contract Surety.

AFSB 153 - Noncontract Surety.

UCLA

Extension courses in Commercial Real Estate

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