VP Community Development Banking Resume
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Resume:
Bank Examiner (Term Position) • /-Present
Conduct periodic assessments of the credit quality of commercial loan portfolios and credit underwriting processes at financial institutions. Review the bank\'s current Loan Policy, loan procedures, loan grading systems, and Loan Review Program. For each loan selected in the sample, assess the credit quality, validate the credit risk rating, and ensure the necessary credit monitoring is being completed. For new loans, review loan documentation and credit facility safeguards, ensure loan was closed consistent with how it was approved. Maintain communication with bank management throughout the loan review process. Recommend internal controls related to the loan function and subsequent tracking and required reporting. Review the Allowance for Loan and Lease Losses (ALLL) established for impaired loans. Evaluate credit risk and analyze portfolio trends, industry exposures and underwriting criteria
BANK OF AMERICA ATLANTA, GA Financial Asset Manager • /-/
Prepared annual budgets, forecasts, asset management plans, monthly performance reports and variance reports. Supervised the planning, budgeting and control of operating and capital expenditures. Analyzed market conditions, occupancy trends, competitive pricing and product in order to make recommendations for adjusting market rents, renewal rates and retention programs, and leasing incentives. Managed non-performing assets placed on internal watchlist. Managed the current asset base and identified possible workout scenarios through modification, restructure, refinance, etc. Performed impairment testing (FAS) to determine loss for the asset. Conducted site visits and audited files to ensure compliance with LIHTC and Historic Tax Credit regulations, policies and procedures. Conducted due diligence for potential acquisitions by collaborating with acquisitions and underwriting staff in evaluating potential investments by providing actual project and market feedback Prepared joint analysis with underwriting department for all potential commercial real estate acquisitions. Provided management oversight of third party management companies.
FEDERAL HOME LOAN BANK OF ATLANTA ATLANTA, GA Financial Portfolio Manager • /-/
Produced and presented top financial results of the affordable housing multifamily participation program to senior bank management and the Board of Directors. Performed quarterly financial monitoring of the loan portfolio including onsite reviews, financial statement analysis and third party management performance. Reviewed risk sharing agreements to ensure loans were in compliance with the financial covenants in place. Conducted impairment testing to determine loss for the asset. Determined classifications and risk ratings for all loans and made final decisions on loan grading and the appropriate ALLL. Worked extensively with internal and external auditors, bank examiners, and consultants regarding portfolio related issues.
MASSACHUSETTS HOUSING INVESTMENT CORPORATION BOSTON, MA Financial Asset Management Officer • /-/
Reviewed and analyzed financial information to determine actual income, expense, and projected debt service coverage. Conducted site visits and audited files to ensure compliance with LIHTC regulations, policies and procedures. Identified potential problems through the construction and lease-up phases and from operation through the end of compliance for each new asset. Made recommendations for assets to be placed or removed from the internal watchlist. Managed relationships with management agents, housing agencies, and lenders interacting with properties in the assigned portfolio.
THE COMMUNITY BUIILDERS BOSTON, MA Finance Director of Asset Management • /-/
Analyzed and reported on the organization’s commercial real estate assets in order to ensure the assets achieved their goals in relation to the company’s mission. Performed in-depth property analysis, evaluated financial health and long-term viability of the assets, ensured all regulatory and compliance requirements were met for each property. Inspected properties and monitored preventative maintenance plans. Conducted capital needs assessments and oversaw the use of reserves. Managed the asset base and looked for additional value opportunities through loan restructure or refinance. Selected and developed asset management staff in all aspects of asset management activities. Developed and monitored asset management departmental policies.
EDUCATION /CERTIFICATIONS MBA • Emory University, Atlanta, GA • May, B.B.A., Finance • Howard University, Washington, DC • May,
Spectrum CP Certified (LIHTC Certification), July • Spectrum CP Certified (LIHTC Certification), March • TheoPro- The Compliance Challenges of Working with Mixed Income Tax Credit Properties;TheoPro- The Compliance Challenges of Working with Acquisition/Rehab Tax Credit Properties; TheoPro- The Compliance Challenges of Mixed-Financed Tax Credit Properties- (Bonds, RD and HOME), April .
