yyyyyy x. yyyyyy                       3501 link valley drive #0000 xxxxxx xxxx , xxxx , xxxxx 00000

(xxx-xxx-xxxx

                                                                                                                                               abc@xyz.com

objective

driven financial professional eager to contribute dynamic analysis, loan administration, underwriting, real estate expertise, relationship building, communications and customer relations skills in a challenging real estate banking/property management analysis assignment.

career profile

ø  mba, finance.

ø  over 15 years of financial services background with seven years in commercial real estate banking.

ø  knowledgeable in diverse management, underwriting and customer service functions.

ø  expertise in credit analysis, regulatory compliance and asset reviews.

ø  contributor in critical process improvement.

ø  comprehensive understanding of business and operations management.

ø  record of promotion to positions of increasing responsibility and authority.

ø  provide exceptional customer service.

ø  adept in relationship development and facilitating repeat business.

ø  proven accomplishments in coordination, strategic planning, and project management.

ø  notable coordinator and facilitator.

ø  highly motivated self-starter.

ø  well-organized multi-tasker with strong detail orientation.

ø  proficient in advanced business software applications including ms office suite, visual basic, oracle, visio, siebel, act! and adobe acrobat.

 

professional experience

bank of america, houston, tx                                                                                                   2005 - present

avp/real estate administration

         recruited to oversee administrative functions for $420mm portfolio of real estate construction loans, syndications and lines of credit.

         direct effective bidding process for construction consultants.

         negotiate, analyze and interpret loan documents and titles.

         mitigate construction risk attaining all loan document requirements.

         evaluate and assess all construction due diligence covering gc contracts/subcontracts, surveys, site plans, permits, performance bonds, change orders, budget and insurance.

         facilitate pre-construction meetings to set-up and implement effective communication among all parties.

         originate bi-weekly reports to ensure portfolio compliance.

         advise loan teams on construction issues/resolutions.

         play key role in directing training modules producing upgraded curriculum for newly-hired associates.

 

axa-equitable, new york, ny                                                                                                        2001 - 2005

business systems analyst

         retained to evaluate and document requirements based on technical capabilities and business processes.

         assessed business users to accurately identify and meet business requirements.

         researched/analyzed third party contact management software applications to identify conversion methods.

         initiated test plan scenarios key to assessing program/application functionality and integration.

         delivered accurate time estimates for new product requests.

         ensured integration and uat testing for multiple applications.

         developed business requirements for upstream legacy systems.

         provided leadership for multiple deliverable teams.

         spearheaded timely and on-budget data migration program that transferred sales associate books of business into axa webstation portal.  

 

 

 

 

yyyyyy x. yyyyyy

page two

 

 

 

 

 

first union national bank, atlanta, ga                                                                                            1993 - 2000

real estate underwriting analyst (1998-2000)

         tasked to determine credit worthiness and management capabilities of borrower/guarantor and real estate collateral securing loans.

         researched loan structure adequacy including transactions and/or relationships.

         effectively evaluated underlying property, surrounding market/demographic area and financial strength of borrower/guarantor.

         identified and documented loan conditions.

         successfully relayed requirements and decisions covering transactions.

         conducted in-depth historical/financial analysis with focus on tax returns and financial statements.

         evaluated debt ratio, loan-to-value ratios, credit score and property valuations.

         aided development of alternative loan requirements, funding and/or loan-structuring solutions.

         authored historical and sensitivity analysis of real estate projects.

 

 

 

earlier background

prior to 1998, served first union national bank as construction loan administrator and financial sales representative.  in these assignments, built outstanding loan origination, compliance, contract, underwriting, sales and client service skill sets.

 

 

 

education

georgia state university, atlanta, ga

masters of business administration, finance concentration, 1998

 

spellman college, atlanta, ga

bachelor of arts, economics, 1992

yyyyyy x. yyyyyy                       3501 link valley drive #0000 xxxxxx xxxx , xxxx , xxxxx 00000

(xxx-xxx-xxxx

                                                                                                                                               abc@xyz.com

 

 

 

cover letter text

 

date

 

 

 

hiring agent name

title

company name

address

city, state   zip code

 

dear                   :

 

i am currently seeking a challenging career opportunity in a real estate banking/property management analyst capacity and am submitting my resume for your review.  in advance, i thank you for your time and consideration.

 

as demonstrated in the accompanying resume, my professional qualifications include an mba with an finance emphasis, a b.a., economics, and over 15 years of financial services background, including seven in commercial real estate banking.  to complement this background, i possess demonstrated expertise in real estate portfolio analysis, underwriting, construction loans, documentation, compliance and customer service, as well as strong analytical, problem-solving and managerial capabilities.  as an employee, you will find me to be an enthusiastic and disciplined team player, committed to supporting you in achieving your objectives through superior performance. 

 

i am confident that i could be a valuable asset to your firm, and look forward to interviewing with you in the near future to further discuss my areas of experience and expertise that would be a contribution to your organization.

 

 

 

 

sincerely,

 

 

 

yyyyyy x. yyyyyy

 

 

 

 

 

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