Commercial Mortgage Underwriter

ALEXANDRA PERRI

Granada Hills, CA ***** - 818-***-**** - *******@*****.***

EXPERIENCE

ALLIANT ASSET MANAGEMENT

Asset Manager / Underwriter 5/06-Present

• Monitor a portfolio of 55 commercial properties from construction through operational stabilization.

• Process requests for release of equity, including disbursements funded through construction loan draws.

• Review general construction issues, title, sources/uses, tax credit adjusters, and other documents required for processing.

• Analyze & monitor financial performance of properties in portfolio; review tenant files; conduct property inspections and report findings.

• Review & approve annual audits, tax returns, & operating budgets for each property in portfolio.

• Assist with property related litigation, loan workouts, settlements;

• Underwrite loans with financing ranging any where from $1,000,000 to $50,000,000.

• Create property narrative and operating spreadsheet reports

• Preparation and presentation of these reports in closing meeting to company executives.

• Research macroeconomic and market trends and their potential impact on investments.

• Assemble and review economic, demographic and other market information for each asset area

• Review of market study reports; appraisal reports; financial statement review; state tax credit app review.

• Ad hoc analysis request for senior management.

METROCITIES MORTGAGE - COMMERCIAL DIVISION

Senior Underwriter / Loan Originator 1/05-3/06

• Lead underwriter of all commercial loans for commercial division

• Assisted VP of Commercial & Construction division with origination of Commercial loans.

• Underwriter and processor for single-family construction loans.

• Processed 10-15 commercial loans at a time from start to finish,

• Assisted with underwriting of single-family construction loans.

• Handled all broker/loan origination functions consisting of pre-screening of loans, collection of application information; packaging of loans; locating lender; and negotiation of interest rates.

• Creation of marketing materials for commercial and construction divisions;

• Post-closing of all loans

• Created and maintained pipeline reports; spreadsheets; matrices; PowerPoint presentations

• Gave presentations to loan officers throughout many partnering real estate offices.

FREMONT INVESTMENT & LOAN

Commercial / Multifamily Loan Administrator 12/03-1/05

• Duties consisted of processing, closing, and post-closing of all commercial real estate loan types including higher risk construction loans, commercial, multifamily, and industrial loans.

• Processed and closed up to 10 loans at a time

• Insurance review and negotiation, loan document review, and title and survey review.

• Acted as liaison between attorneys, borrower, third party's, title and escrow, insurance brokers and loan-originators.

ARCS COMMERCIAL MORTGAGE

Underwriter / Senior Real Estate Analyst 10/00-11/03

• Experience in underwriting, analyzing and processing Fannie Mae/Freddie Mac DUS loans for industry leader.

• Duties included review and analysis of operating statements, financial statements, appraisals, and engineering reports, appraisals, insurance documents, and loan documents.

• Other duties consisted of completing loan narratives and spreadsheets required for loan committee approval,

• projecting numbers, analyzing vacancy history and collection history, and researching market data.

• Extensive experience working with large portfolios of loans including multifamily; new construction; congregate care/assisted living and Alzheimer facility property types.

• Familiar with Fannie Mae and Freddie Mac property evaluation and inspection standards for the physical and environmental assessment of properties.

MARCUS & MILLICHAP

COMMERCIAL REAL ESTATE INVESTMENT BROKERAGE COMPANY

Market Research Manager 2/98-10/00

• Performed research and extensive spreadsheet creation,

• Financial modeling for 45+ agents, the Regional Manager, Divisional Research Manager, and Office Manager.

• Consulted with in house brokers regarding their property proposals and created marketing ideas for new property listings.

• Created multiple databases for research department, collected and analyzed demographic/economic data for the Southern California area,

• Gathered and analyzed sales velocity and stock data and created ad hoc requests for the Regional Manager.

• Headed market surveys, and assisted in writing quarterly published multifamily, office, and retail research reports.

EDUCATION

CALIFORNIA STATE UNIVERSITY NORTHRIDGE

Graduating in 2008 with a BA in Finance and a BA in Real Estate.

California Real Estate Brokers License – In process

SKILLS

» Expert in MS Suite (Excel, Access, Word, Outlook, PowerPoint)

» Argus; Crystal Reports; Lotus 123; Regis Mapping; Contour; Lexis-Nexis; Act! , and QuickBooks;

» Strong leadership abilities including interviewing, training and management skills.

» Excellent presentation, negotiation and marketing skills

» Affordable housing experience with low income housing tax credits (LIHTC), historical credits, and other programs.

» Real estate investment and bond financing experience

» Familiar with LP, FHA and DU underwriting

» Expertise with mathematical models, spreadsheet design and database creation

» Excellent skills in problem solving and decision making

» Acute eye for detail; strong organizational, multitasking, and interpersonal skills

» Bilingual- native English/native Spanish

» Strong bookkeeping/accounting skills

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