NYS Bank

Perform macro analyses in order to measure, aggregate and track key risk indicators that impact credit quality issues in a $55B loan portfolio in order to mitigate risk. Review ongoing risk associated with income producing real estate and assign timely and accurate risk ratings. Coordinate and communicate critical account information independently and directly to various related parties including business line, product groups and credit divisions. Mentor junior team members, providing direction for credit analysis and portfolio management.

Asset Manager

NYBDC

Managed a team of 8 analysts and 2 administrative assistants and assisted them with work flow and credit analysis issues. Assisted with analysis of and underwrote SBA 504 and 7(a) small business loans. Worked with lenders to ensure that their loans were assigned to analysts and underwritten in a timely manner.

Vice President and Regional Credit Manager

Doral Bank

Oversaw the request for and review of financial information to ensure that all borrowers' financial statements and property inspections on an annual basis to attest to the fact that their repayment ability had not deteriorated and the quality of the collateral had not weakened. Engaged and reviewed credit reports, appraisals, environmental reports, title reports and loan documents for collateral property. Prepared monthly/quarterly management reports including Criticized/Classified Loan reports, ALLL reports and Past Due Loan Reports. Prepared memos for the upgrading and downgrading of certain loans inclusive of the preparation of FASB 114 and TDR analysis and cash flow models for all substandard and or modified loans.

Assistant Vice President

Sovereign Bank

Analyzed financial statements, rent rolls, property leases, commitment letters and other real estate, construction and credit documents. Performed presentations at quarterly credit committee meetings. Reviewed and approved requests for the sale of air rights, partial release of collateral, release of personal guarantees and SNDAs. Managed entire Freddie Mac portfolio. Oversaw entire CMBS portfolio and generated monthly watch list report.

Portfolio Manager

Experienced Banking Professional with strong work ethic and expertise in portfolio management, credit risk management and credit analysis. Team player with effective communication, presentation and interpersonal skills. Ability to manage multiple projects while meeting tight deadlines and achieving both high levels of accuracy and superior customer service.

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Christine Saunders, MBA

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Christine Saunders, MBA

Want to drive more opportunities from LinkedIn?

Christine Saunders, MBA's Linkedin Analytics