Credit Analyst

Bradley Atkinson

**** **** **. ******. ** ***** 303-***-****

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

OBJECTIVE To obtain a position that would take advantage of my education

and training in the field of business and banking.

EDUCATION B.A - Economics May 2000

Colorado State University - - Fort Collins, Colorado

RELATED PROFESSIONAL EXPERIENCE

MidFirst Bank – Denver, Colorado, January 06 – November 08

Credit Analyst/ Commercial Real Estate Banker – Work within a National Income Property production office specializing in fixed-rate, long term permanent financing, also offered competitive solutions for non-stabilizing properties.

- Assisted in committing more than $150 million in commercial real estate structured finance loans over the past three years.

- Analyzing and underwriting commercial real estate financing requests, structuring

creative financing solutions, managing relationships with borrowers, brokers, and participating lenders.

- Calculate Global Cash Flow analysis and various analytical models.

- Responsible for preparing preliminary loan proposals submitted to Senior Loan Committee for review. The preliminary loan proposal includes: Debt summary, loan amount, loan purpose, interest rate, amortization, fees, prepayment, breakeven summary, rent roll, cash flow, tenant/occupancy summary, covenants, guarantee, market info, demographics, LTC, LTV, ROA, ROE, NOI, CFADS, DSCR.

- Responsible for preparing loan applications outlining the terms and conditions under which the bank is proposed to make a loan. Engage outside counsel and assist the attorney in preparing the loan commitment and reviewing loan documents.

- Experience covering a broad range of property types including: Office, Retail, Multi-family, Self-Storage, Construction, Industrial/Warehouse, and Hospitality.

- Typical work on transactions throughout the entire approval process with loan sizes up to $50 million, however the average commitment size was $6 million.

- Maintain portfolio with accurate and timely reporting and follow-up.

Matrix Asset Management - Denver, Colorado, January 04 –January 06

REO Disposition/Closing Manager

- Manage a portfolio of assets providing title procurement and resolution.

- Closing coordination with HUD-1 review and approval.

- Manage the real estate assets of our Clients in a timely, efficient and cost effective

manner to achieve the highest possible recovery for the Client.

- Deal with Attorney's and Title Companies ensuring that all investments have

clear title of judgments, liens, and any other encumbrances.

CPR Title - Denver, Colorado, May 03 to December 03

Title Insurance Company

Closer

- Well-trained closing specialist in real estate procedures, title insurance, taxes, deeds and loan documents.

- Acting as a third party who follows the instructions of both the buyer and seller,

keeping track of all the details of the transaction according to RESPA Law.

- Presented loan documents to borrowers with efficiency and accuracy.

- HUD statement preparation, funding and disbursements, and post-closing.

Meyers Group - Englewood, Colorado, December 01 to May 03

Real Estate Information and Consulting Services

Research Associate/Sales

- Developed proprietary methodologies and analytical tools to help meet sales

objectives.

- Streamlined the collection and analysis of economic, demographic, financial real

estate market information.

- Provide current statistics and comparisons to prior years on the following:

sales volume, listing price, price per square foot, sales by price range, number

of projects and inventory levels.

LICENSE/MEMBERSHIP

- Licensed Mortgage Broker in the State of Colorado.

- Member of the National Association of Office and Industrial Properties (NAIOP).

- Member of the Urban Land Institute (ULI).

PERSONAL

Recently married. Enjoy golfing, Fly-fishing, and a Member of Sigma Alpha Epsilon.

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