13 years commercial lending experience, looking to work with lender.

Clair R. Smedley

***** * ******** **** **, #*** Scottsdale, AZ 85258 Cell: 801-***-**** *****@*********.***

Core Competencies:

Strategic Thinker Achiever Personable Strong Business Acumen Financial Acuity

Manage by Objective; "The art of getting others to want to do something you believe should be done."

Professional Summary:

“Every days starts with ZERO.” Approach each day with a fresh mindset, embrace conflicts & challenges.

Strong problem-solving abilities, detail-oriented, well-organized, collaborative delegation.

Excellent verbal and written communication skills in English and Spanish.

Commercial Key Strengths:

Over 13 years of expertise in commercial mortgage banking and brokering Senior Debt & Equity.

Historical 3-year average of $2M in fee income per year in MF, Storage, Ind, Retail, Sr Housing, Hotel.

Exceptional modeling and package preparation/presentation/placement for Stabilized, Lease-Up, and Ground Up Construction.

Expertise in capital stacking to meet loan metrics, including Debt Coverage Ratio (DCR), Debt Yield, Cost Ratio, Net Operating Income (NOI), Return on Equity (ROE), Internal Rate of Return (IRR), Capitalization Rate (Cap Rate), Breakeven, Gross Rent Multiplier (GRM), Cash Flow Before Tax (CFBT) and Discounted Cash Flow.

Proficiency with industry-standard tools such as CoStar, Yardi, and Argus.

Thorough analysis of Accrued and Disproportionate Returns for General and Limited Partners.

C&I Trend & Ratio analysis, including Current & Acid Test Ratios and Working Capital Efficiency Ratio.

Experience

Commercial Mortgage Banker

Churchill Commercial Capital, LLC, Scottsdale, AZ June 2022—Present

Commercial Mortgage Broker

Lending Capital Group, LLC, Salt Lake City, UT April 2019—June 2022

Project Manager/Lending Cost Coordinator/Estimator

Lake City Custom Homes, Sandy, UT January 2014—March 2019

Mortgage Broker to Banker, Residential and Commercial

Lending Capital Group, LLC, Layton, UT October 1999—April 2010

Originator, Residential; Acquisition and Construction

Freedom Mortgage/First Security Bank, Salt Lake City, UT April 1990 — September 1999

Education

Utah State University, Logan, Utah Dual BA Major, Business & Spanish

2 years Aerospace Engineering

Davis Applied Technology, Kaysville, UT IT Project Management Certification

Languages

Spanish— fluent in reading, writing, and verbal communication

Licenses and Certifications

National Mortgage Licensing System- Principal Lending Manager #108545

Microsoft Project 2016, CompTIA A+ and Project +, MTA Networking, HTML5/CSS, Visual Basic 2012, MS Visio, MS Access, CompTIA Strata, Office; Outlook, Word, Excel, PowerPoint, Salesforce, HubSpot, Sugar, MS Dynamics, Goldmine, Sage ACT!

Volunteer

Planning and Zoning Commission, Syracuse City, UT

Urban Arts Alliance, Salt Lake City, UT

International Travel

Studied abroad— Distrito Federal, Mexico 1983.

Cordoba, Argentina 1984- 1986.

Study Courses

Financial Modeling & Valuation Analyst Certification

Microsoft Project 2016

Project Management Fundamentals

Project Management Professional (PMP) Prep I

Project Management Professional (PMP) Prep II

Project Management Applications

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