Yyyyyy x. yyyyyy
0000 xxxxxx xxxx , xxxx , xxxxx 00000
Phone: (xxx-xxx-xxxx / ( xxx-xxx-xxxx
~ Professional Experience ~
NewAlliance Bank, New Haven, CT, 2000 to Present
Senior Credit Analyst C Assistant Treasurer (2006 to Present)
Credit Analyst (2000 to 2006)
Tasked with underwriting and assessing real estate construction projects and acquisitions valued at $5+ million and requiring approval of Board of Directors.
Critically analyze tenancy applicants to determine financial strength and reliability.
Leverage systematic work approach to calculate actual and projected cash flow analyses for determining strength of property or project.
Document comprehensive analysis encompassing collateral, current outstanding borrowings, customer relationship, appraisal, and financial strength of all parties involved for submission to Board of Directors.
Exhibited dynamic resourcefulness in formulating cash flow model to accurately and efficiently forecast cash from developer and monthly advances from bank.
Clayton National Inc., Shelton, CT, 1998 to 2000
- Diligently monitored and managed portfolio of approximately 125 non-performing loans valued at $12 million from loan workout to asset disposition.
- Demonstrated exemplary talents in minimizing risk to client and maximizing return on investment through proficiency in assessing borrowers financial background and credit profile.
- Successfully collected delinquent mortgage payments and established debt repayment strategies through excellent interpersonal and negotiation skills.
- Coordinated cohesive efforts with attorneys, brokers and external vendors regarding legal proceedings and filings inclusive of foreclosures, bankruptcies and title issues.
- Spearheaded daily property management functions including marketing.
Prudential Resources Management, Shelton, CT, 1996 to 1998
Asset Manager, Prudential Asset Recovery
Proficiently orchestrated disposition of REO properties throughout the U.S., consistently optimizing velocity and net return results according to clients performance agreement.
Facilitated smooth vendor communications to ensure alignment with clients needs and expectations.
Meticulously investigated Broker s Price Opinion and Appraisal to determine accuracy of comparables, condition of property and probable asset sale price.
Exercised exceptional attention to detail in verifying necessary inspections, validating reports and supervising completion of required repairs.
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Exhibited significant skills in cost control to define budgets for each REO property; effectively determined marketing strategy, and established an asset value and list price to maximize recovery and accelerate marketing efforts.
Negotiated offers from brokers, administered closing details with attorneys and escrow companies, and maintained open communications with clients to fortify relationships.
Thoroughly reviewed and administered finalized contracts and performed quarterly property inspections.
Leveraged proven business savvy to continuously re-evaluate and realign marketing strategies with constantly changing market conditions.
Wachovia, Waterbury, CT, 1991 to 1996
Administrative Assistant, Finance and Investments (1995 to 1996)
Real Estate Analyst, Special Assets-Commercial (1991 to 1995)
Real Estate Courses:
Ø Principles and Practices of Real Estate
Ø Principles and Practices of Appraisals
Ø Real Estate Rules and Regulations
Ø Financing Residential Real Estate
American Institute of Banking Course:
Ø Effective Writing
Ø Principles of Banking
University of Louisiana:
Ø Basic Credit Analysis
Microsoft Word and Excel, Baker Hill One Point, Moody's, Cleartouch
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