Real Estate Sales Representative

HELENE M. McCOLE

*** **** *** ******, ************, Pennsylvania 19428

*******@*****.***

Cell: 610-***-****

Dedicated, hard-working individual!

Authorized to work in the U.S. for any Employer

SUMMARY

Over 30-years exposure in commercial real estate finance, familiar with various institutional lending guidelines, and functions within those institutions, including Microsoft Office. Looking to explore a change in my career path, utilizing and sharing my skills, strong work ethic and long-term experience within your company. WORK EXPERIENCE

Police and Fire Federal Credit Union (PFFCU) – Philadelphia, PA 6 months

Bank Sales Representative

• Provide superior service to new and existing members, developing relationships and trust working with them to find the right products to maximize their savings, and minimize debt.

• Manage account information and performing account maintenance while keeping members information confidential.

• Responsible for addressing account issues to senior management ensuring equitable outcomes and thorough documentation.

Malvern Bank National Association – Paoli, PA

1 Year, 8 months (Bank was acquired by First Bank, Hamilton, NJ) Senior Credit Analyst – Vice President

Member of seven (7) person Credit team, including myself, two (2) additional analysts to assist various Relationship Managers in branch offices within Pennsylvania, New Jersey, and Florida. Loan Portfolio in excess of $700 million in real estate, commercial and industrial loans and lines of credit.

• Primary role is to underwrite new loan requests, annual reviews, and loan modifications.

• Analyzing/spreading property operating statements, Borrower and Guarantor financial statements, tax returns, complete background checks property, flood, UCC searches and assemble information including market data into a Loan Presentation package to Loan Committee.

• Communicate by email/telephone regularly with Senior Credit Officer, Credit Manager, and Relationship Manager to discuss any questions or comments while preparing the Presentation.

• Attend weekly meetings with Credit team to discuss Pipeline of active work staying on track to meet the timeframe of the Borrowers request and MB standards. Firstrust Bank - Real Estate Finance Group, Conshohocken, PA 7 Years, 2 months

Senior Credit Analyst, Bank Officer

Member of 17-person production team (7 Relationship Managers), total portfolio transactions in excess of $535 million in real estate term loans, $4.2 million in letters of credit, and $186 million in construction financing and lines of credit. Territory includes Pennsylvania, New Jersey, Delaware and other states on a case-by-case basis

• In 2020 worked alongside one (1) Relationship Manager, and underwrote 16 new transactions with over $44 million in new money for loan committee review/approval, $63 million existing loan risk ratings/loan reviews, and

$19 million non-committee approval transactions.

Helene McCole Resume – Page 2

• Primary role is to underwrite new and existing transactions that includes; analyze property operating statements, review guarantor financial statements, complete background, credit checks, property, flood, UCC searches, and assemble market information for Loan Presentation Memo to Committee.

• Assist Relationship Manager and Bank counsel on closings (draft document review, insurance review, third party reports) and address any items post-closing/quality control items immediately.

• Implemented Hazard Insurance Guide utilized by Bank staff including back office on all real estate, and construction loans ensuring properties have specific coverages, sufficiently insured and the Bank and Borrower are properly covered.

John Hancock Life Insurance Company (U.S.A.)

Real Estate Finance Group (JHREF), Blue Bell, PA

23 Years - (Office was closed after 25+ years within the PA, NJ and DE region) Senior Investment Analyst

Member of three (3) person production team, total portfolio 84 loan transactions totaling $1.650 billion, (average loan size of $19 million). Territory includes Pennsylvania, New Jersey, Delaware and Puerto Rico.

• Underwrite new loan submissions. Completed the analysis and closings of over $2.9 billion in new loan transactions during 2012-2013 on all major property types.

• Complete annual property inspections of portfolio to include review of rent rolls, operating statements and leases to evaluate performance.

• Compile Market/Data research for each prospective loan transaction.

• Key person for all post-closing requests including loan payoffs, new leases/SNDAA’s, insurance loss proceeds, change in ownership, and tenant improvement reimbursements to name a few.

• Continued to complete administrative tasks required to keep the office efficient and cost effective. Closing Coordinator/Investment Analyst

• Primary contact for borrowers/brokers/attorneys on all loan closings, post-closing loan issues and requests.

• Worked directly with Loan Officer in underwriting analysis and review of loan transactions.

• Closing facilitator ensuring all data is well organized/confidential and on track for a timely funding.

• Beta Test Team member for development and implementation of in-house Lending Programs (E-Mortgage). Senior Closing Analyst

• Prepared, reviewed, and coordinated with home office (Boston), local counsel and borrower’s attorney) documents required for loan funding on all commercial property types (office, retail, hotel, and industrial/warehouse) in Pennsylvania, New Jersey, Delaware and Puerto Rico.

• Conducted annual and quarterly property inspections and market studies, which included financial analysis review to assist in maintaining individual property performance, and regional portfolio.

• Devised John Hancock closing procedures manual for other regional offices and contributed to completed a procedures guide in transacting Freddie Mac Loans, the JP Morgan/John Hancock Securitized Lending Program.

• Supervised and directed administrative support in maintaining an efficient, professional office environment. Office Administrator

• Administrative support to Senior Vice President and four Loan Officers that included preparation of loan proposal packages including financial analysis to parent company and third-party lenders.

• Researched and negotiated among vendors for office supplies and equipment - results are best quality merchandise at a cost-effective price.

Fidelity Bond and Mortgage Company

Blue Bell, Pennsylvania (3 years)

Department Supervisor/Loan Processor

• Primary duties included typing correspondence, preparing spreadsheets (Lotus 123), preparation and distribution of loan proposals, portfolio status reports, and manage demographic data, borrower/client contacts worksheets.

• Coordinated documents required for loan funding. Liaison between institutional lenders, borrower, servicing department and counsel for all loan transactions once committed. Helene McCole Resume – Page 3

Meritor Mortgage Corporation East (PSFS)

Philadelphia, Pennsylvania (1 year)

Commercial Loan Processor

• Primary responsibilities include coordination of financing documents for the four (4) East Coast field offices required by the Bank, FHLMC, and the bank’s loan servicing division.

• Lead contact with Closing attorney and servicing team for preparation coordination of documents regarding pre and post-delivery of loan settlement.

EDUCATION

RMA (The Risk Management Association)

- Attended Lease Review Forum (2014)

John Hancock Real Estate Finance Group - In-House Seminars

- Attended Various In-House Real Estate Finance Seminars in Boston, MA Mortgage Bankers Association, Washington, D.C.

- Commercial Real Estate Finance Underwriting Seminar (2 Days) (1997)

- Advanced Commercial Real Estate Finance Seminar (5 Days) (1996) Polley Associates, Newtown Square, Pennsylvania

- Real Estate Fundamentals and Practice (1993)

- RE continuing education classes required for license renewal PROFESSIONAL AFFILIATIONS – No longer active

PA Real Estate Salesperson’s License #RS-226842-L (2000-2014) Commonwealth of Pennsylvania Notary Public, Expired April 28, 2022 SKILLS

Proficient Knowledge of Microsoft Office (Excel – Word), Outlook, PowerPoint, Sales Force (cloud-based loan monitoring system), Miser (loan servicing software), E-Mortgage (JH loan production tracking software) and SharePoint Library (file repository system), REIS and CoStar (real estate marketing software). Experience in Meridian Link, Symatar and Quest utilized at Police and Fire Federal Credit Union.

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