Assistant Project Manager

Janelle Abel-Ayarza

***-** ***** ****** *****: 718-***-****

Rosedale, NY 11422 Cell: 646-***-****

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

OBJECTIVE

Financial services agent bank administrator with balanced expertise in managing syndications/participations, bond transactions, letters of credit, and derivative products. Result oriented leader with proven success in the coordination of various multi-state governmental agencies and functional lines of business.

EXPERIENCE

February 2010 – Present CAPITAL ONE BANK, N.A., Melville, NY

Assistant Vice President – Construction Real Estate Loan Administration

Responsible for ensuring loans, extensions, modification and renewals are closed in compliance with the Bank’s loan policy in addition to monitor and administer participated and syndicated deals. Responsible for booking transactions in various loans servicing and trade capture systems. Prepare budget spreadsheets, analysis and maintenance along with working borrowers and other third party investors on budget changes, interest, and other administrative issues. Review and fund construction loan advances (review trade line items and change orders, structural reports, invoices, and back-up information) and maintain spreadsheets for manual transaction activities. Monitor and track developer/builder's equity investment, and the ongoing progress of the loan.

February 2007 –

October 2009 TD BANK, NA; formerly COMMERCE BANK, N.A., New York, NY

Officer/Commercial Portfolio Loan Specialist

A key member of a newly implemented pilot program that combines the roles of a Real Estate Closer and a Construction Loan Specialist creating a new role of Real Estate Specialist which tracks each line item of the budget, review engineer’s report, have constant dialogue with the borrower and am extremely valuable to the preparation of the pre-closing budget. As a Real Estate Specialist there is a better understanding of how the budget will survive the closing for future advances and assist with preparing the budget by determining where each cost must be allocated according to the NY Lien Law to allow flexibility.

November 2003 –

January 2007 BANK OF AMERICA, New York, NY

Relationship Administrator

Served as lead bank agent and liaison between borrower and governmental agencies (HDC/HPD/NJHMFA/HUD) as it relates to bond transactions (Series 2001 H-1, 2006 H-2, etc.) both New York and New Jersey. Responsible for due diligence and documentation of the pre-closing and closing process of real estate loan transactions, including construction, bond deals, LIHTC investment funds, revolving lines of credit, and letters of credit. Prepared and reviewed investment briefs HMDA and CRA reports for completeness and accuracy prior to distribution. Coordinated preparation of closing documents for negotiated changes considering the impact of administrating the loan and monitoring construction progress.

March 2000-

November 2003

FLEET NATIONAL BANK, N.A., New York, NY (acquired by Bank of America)

Jr. Underwriter (2002-2003); Senior Administrative Assistant (2000-2002)

Underwrote Annual Status Review (ASR) reports for deals under $2M. Analyzed appraisal and environmental reports, rent rolls, borrower financial statements and corporate tax returns. Utilized Argus and formulated spreadsheets to aid as tools for ASRs and COMs. Coordinated the receipt of RECAR reports for the Executive Market Leader along with monthly relationship, RECAR, ASR and Pipeline reports required by the group. Created and maintained various database models with respect to construction costs, leasing and absorption and any ad hoc reporting required by the group.

EDUCATION

University of Phoenix – Online, M.B.A. program

Major: Business Administration, exp. Graduation 6/12

York College - CUNY Baccalaureate Program,

Jamaica, NY B.S. - 8/2009

Major: Business Administration, Finance

New York City College of Technology - CUNY, Brooklyn, NY, A.A.S. 6/2002

Major: Computer Aided Drafting & Design

Katharine Gibbs Business School, A.A.S - 4/1997

Major: Business Administration

TECHNICAL SKILLS

• ACBS – Automated Commercial Banking System

• AFS - Automated Financial System

• Metavante - Construction Management System (CMS)

• Commercial Loan Construction System (CLCS)

• Provenir – CL

• SHAW Operating System • Baker Hill

• Argus

• MS OFFICE for Windows: (Word, Excel, Outlook, PowerPoint, Access)

• Financial Management Systems: Quicken & Peachtree

• IntraLinks

• Virtual File Management

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