Analyst

Robert A. Luca

Staten Island, NY ***** • 917-***-**** • ********@*****.***

Profile

Skilled Credit Analyst/Document Processor Consultant with years of experience delivering exceptional risk management solutions in the financial services industry. Proven experience working with budgets, credit, due diligience. Proven ability to conduct in-depth financial analysis, identify and mitigate credit risk, and collaborating effectively within teams. Possesses a strong understanding of regulatory compliance and advanced knowledge of tax structures.

Core Competencies

ACBS

Analytical Acumen

Account Management

Lease Analysis

Risk Assessment

Client/Vendor Relations

Participation Loans

Syndicated loans

Annual Performance Reviews.

Training/Mentoring

Fiscal Responsibilities

Professional Experience

Mizouh Bank/ russell Tobin (Contractor)/ Document Processor Jan 26-june 26

Ensured time and accurate processing of loan and credit documentation into the optical imaging system.

Maintained accountability and control of documentation for booked credit facilities, syndicated loans.

Served as a point of contract for internal teams regarding documentation status and procedures.

Maintained compliance with applicable banking regulations, internal controls and mandatory training requirements.

Coordinated with legal and compliance teams as needed.

ML REAL Estate- Bayonne, New Jersey Budget Analyst /Asset Management 2021-current

Developed and reported status of loans to owners, maintain detailed records of exact status of loans.

Developed the yearly budget for each property, compare against actual numbers explaining variances and updated budget numbers on a monthly basis.

Prepared reports for investors about each property’s performance, overall portfolio performance and drafted report delivered quarterly performance and distributions.

Maintained asset plans for approximately 75 properties located throughout Tri-State area.

Popular Community Bank, New York, NY • Credit Analyst 2016-2021

Underwrote multi-family, stand alone, real estate owner occupied, mixed-use, industrial, office mortgage loans for refinance. Acquisition, construction to permanent status., LLC, C-Corp, Reits. Single Purpose Bankruptcy Remote Entity.

Monitored loan performance and ensure proper documentation for credit renewals, modifications, extensions, working capital & C & I Loans.

Reviewed historical operating statements, balance sheets and income statement, reviewed annual operating statement,

financial statements.

Reviewed appraisals, property condition and environmental reports for consistency, accuracy and methodology.

Established, developed, and maintained strong internal and external customer relationships by coaching others and consistently providing quality service that is timely, thorough, responsive, and exceeds customer expectations.

Entered new construction loans in the consumer construction loan disbursement system. This includes, but is not limited to, setting up loan budget; reviewing data input for accuracy and verifying the new loan set up line-item budgets are in accordance with approval.

Set up construction loan disbursement files; collaborated with the customer and build expectations and build relationships throughout the construction process.

Timely processed all construction loan disbursements. Reviewed, and disbursed construction loan draws per stated guidelines and with appropriate approval(s). Obtains change orders for each draw request to verify collateral is correct. Approved draw request in the construction loan disbursement system.

Analyzed Borrower’s Global Real Estate Owned Schedule and personal financial statement.

Ran sensitivity analysis for rollover on proposed loan. Checked Principal/Guarantor with OFAC system.

Underwrote PPP loans for businesses during Pandemic.

Performed reviews and completed analysis of guarantors' and entities' tax returns and K-1 statements.

Collected financial statements and necessary documentation followed up via-mail and phone calls and would schedule further interaction if required.

Reviewed monthly budget vs actual reports at the property and portfolio level.

Reviewed, edited, and spoke directly with owner’s rep or Principal’s lawyers explaining what is required to meet bank’s covenant agreements.

Financial Management Expertise

Business Banking:

Analyze the financial health and creditworthiness of individuals and business clients. Review financial statements, cash flow projections and credit histories.

Account Management:

Develop and sustain lucrative relationships with a diverse clientele. Clients are comprised of large-scale reputable financial institutions including banks and securities firms. Provide quality service ensuring optimum levels of customer satisfaction.

Engage in client needs assessments to ensure alignment with short/long-range plans and goals.

Develop positive, custom-tailored business partnerships. Efforts result in enhanced brand awareness and improved loyalty.

Interact with executives and high-profile, high-net-worth clients. Manage client inquiries diplomatically and professionally.

Administration:

Responsible for the financial administration of accounts receivable and collections.

Prepare reports, letters, and memoranda. Develop strong relationships with a wide range of vendors and clients.

Adhere to legal and regulatory requirements. Ensure client privacy and data protection.

Remain apprised of economic conditions and market trends affecting current and future investment decisions.

Entrusted to manage highly confidential and time-sensitive information and documentation. Apply strong problem-resolution and analytical abilities. Initiate protocol to uphold the employer’s positive reputation.

Education & Licenses

Upsala College, East Orange, NJ • B.A. Business Administration • Minor: Computer Information Systems

Columbia University, New York, NY • MS – Real Estate

New York/New Jersey Real Estate License.

Earned Financial Advisory Client Service Associate Certificate, Advisory Education Partners, LLC.

Excel, Word, Argus, Sage, Salesforce, Baker Hill, Highpoint, Microsoft office.

References Furnished Upon Request

Contact this candidate