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Commercial Real Estate Credit Officer & Commercial Review Appraiser, Vp Resume

5.00/5 (Submit Your Rating)

Akron, OhiO

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PROFESSIONAL SUMMARY:

Experienced Commercial Banking professional with a Master’s degree in Economics, including Commercial and Industrial Commercial Real Estate. Work experiences have been mainly at medium to large regional banks. Commercial credit underwriting, portfolio management and approval in Confidential & Confidential, Commercial Real Estate and Confidential financing, financial analysis, loan review and appraisal review. Additional Experience: Bank acquisition due diligence, tax credits, portfolio tracking and stress testing.

PROFESSIONAL EXPERIENCE:

Confidential, Akron, Ohio

Commercial Real Estate Credit Officer & Commercial Review Appraiser, VP

Responsibilities:

  • Identify and analyze areas of potential risk to the assets, earning capacity, or success of organization or project.
  • Structure loan transactions based on underwriting policies, profitability parameters, while managing bank risk as well as customer needs and expectations.
  • Make final loan decision for middle market commercial real estate loans for customers with aggregate debt up to $5.0MM (loan authority) or present recommendations for larger loan requests to Senior Credit Officer or Loan Committee as applicable.
  • Greatly expanded the level of portfolio monitoring and analysis for Bank management and annual stress testing.
  • Review appraisals for primarily commercial properties to ensure compliance with bank, regulatory and industry standards and reasonableness of the value conclusion.
  • Completed Appraisal Courses: 30 - hour USPAP, Basic Appraisal Principals, Basic Appraisal Practice, Ohio Fair Housing, General Appraiser Income Approach Confidential, General Appraiser Income Approach II

Confidential, Cleveland, Ohio

Commercial Real Estate-Senior Portfolio Manager, Vice-President

Responsibilities:

  • Managed and serviced credits in a portfolio with over $250 Million in Commercial Real Estate loan exposure, including Construction Loans, Acquisition & Development Loans, Term Loans, Permanent Loans, and Letters of Credit
  • Developed sensitivity analysis, budget analysis, property valuation templates, market analysis, guarantor analysis, profitability analysis, and pro forma income statements in order to underwrite proposed and existing projects in accordance with company/regulatory guidelines
  • Created and managed the portfolio’s monitoring d Confidential base and tracking reports.
  • Managed staff of five Portfolio Managers/Credit Underwriters.
  • Established and maintained reporting structure for middle and upper level management to monitor portfolio risk profile.
  • Reviewed loans in Midwest commercial loan portfolios  to determine asset quality and adequacy of credit risk management practices including risk rating integrity, proper administrative monitoring, policy compliance, proper underwriting and credit analysis, portfolio risk management and approved closing legal documentation.

Senior Commercial Credit Analyst/Portfolio Manager

Confidential

Responsibilities:

  • Managed and serviced a portfolio with over $100 Million in Commercial and Industrial loan exposure, including Lines of Credit, Acquisition Term Loans, Owner-Occupied Real Estate Loans and Letters of Credit
  • Identify, articulate and mitigate credit risk for Confidential & Confidential Middle Market borrowers.

Team Lead / Senior Underwriter

Confidential

Responsibilities:

  • Prepared underwriting document according to bank’s credit risk appetite.
  • Provided loan decision recommendation to Credit Officer on loans requests above authority.
  • Trained and managed junior underwriters.

Confidential, Canton, Ohio

Credit Analyst

Responsibilities:

  • Identify, articulate and mitigate credit risk for prospective and existing small to mid-sized Confidential & Confidential and Commercial Real Estate borrowers through the preparation of loan underwriting packages.

Confidential, NA

Credit Analyst

Responsibilities:

  • Identify, articulate and mitigate credit risk for individual and industry businesses such as aircraft lessors and pilot schools requesting financing of general aviation aircraft.
  • Present credit package to the appropriate lender and upper level management.

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