Self-Employed Contractor

	International travel.
	Offered pro-bono audit and risk management support to local non-profit.
	Helped raise over $1MM in scholarship funds for HBCUs.

Personal Sabbatical

Flagstar Bank

	Mitigated risk by performing macro analyses to measure, aggregate and track key risk indicators that impact credit quality issues in the $55B loan portfolio.
	Reviewed ongoing risk associated with income producing real estate through the review of income statements, balance sheets, arrears reports and cash flow statements and market trends to assess the borrower’s repayment capability and assign the appropriate risk ratings.
	Liaison to third party lenders with respect to loan participation portfolio ascertaining whether the structure of the modifications will be accepted or declined and bought back by the Bank at par.
	Selected to perform work out analyses of loans impacted the global pandemic.
	Chosen to be a member of the Bank’s newly formed Credit Risk Management Group.
	Managed a portfolio of performing high profile loans - $50 million or greater, participation and restructured loans including TDR’s. 
	Reviewed and recommended approvals of requests for SNDA’s, releases of collateral, easements, sale of air-rights, transfer of equity interests and releases of personal guarantees. 
	Determined the root causes of underperforming real estate loans in achieving their expected debt service coverage ratios.

Vice President

Berkshire Bank

	Analyzed tax returns, financial statements, leases, rent rolls and credit reports of borrowers for annual credit reviews to ascertain whether their ability to repay their debt had not deteriorated.
	Completed write ups for annual credit reviews and overdraft protection renewals.

Consultant

NYBDC

	Managed a high performing team of 8 analysts by providing leadership as well as technical knowledge to assist with workflow and credit analysis issues with $1.2B in loans under management.
	Assisted my team with the analysis of the SBA 504 and 7(a) small loan programs for loan approvals providing $283.5 million to 410 businesses. 
	Confirmed borrower’s repayment ability and collateral quality by overseeing annual loan review process.

Vice President and Regional Credit Manager

Doral Bank

	Oversaw the requests and reviews, on an annual basis, of borrowers’ financial information to ensure that their repayment capabilities had not deteriorated, and that the quality of the bank’s collateral had not weakened.
	Analyzed financial statements and related material on companies with earnings of $5 million to $25 million to prepare written credit analysis of individual borrowers.
	Attended monthly credit committee meetings and prepared reports for the Board of Directors.
	Prepared monthly/quarterly management reports, including Criticized/Classified Loan reports, ALLL reports, Construction Loan Reports.

Assistant Vice President

Santander

	Analyzed financial statements, rent rolls, property leases, commitment letters and other real estate, construction, and credit documents. Analyzed loans from $5 million up to $300 million.
	Completed a credit rotational program.
	Attended quarterly credit management meetings to present and discuss select loans and recommended appropriate risk rating changes.
	Selected to manage the Freddie Mac and CMBS portfolio and generated monthly Watchlist report.

Portfolio Manager

An experienced banker with extensive real estate and financial services experience specializing in credit risk and portfolio management. Critical thinker with strong interpersonal, analytical and communication skills instrumental in the development of relationships between departments internally and corporate clients. Quick learner with proven ability and high level of comfort to learn the business, adapt to changing business priorities, utilize Internet / Intranet and to utilize proprietary software and databases. Demonstrated success managing complex CRE and CMBS portfolios. Proficient in providing outstanding customer service on behalf of commercial banks and lending institutions.

Taplio

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