Experience

BASEPOINT CAPITAL, LLC

• United States
• Executive Offices
• 1 - 100 Employee

• Underwriter

  • maj 2022 - – obecnie



BFS Capital

• United States
• Financial Services
• 1 - 100 Employee

• Small Business Lending / Senior Underwriter

  • wrz 2015 - maj 2022

  • Review and approve ~$30 million in small business loans annually across the country and throughout various common and unique industries. • Combined my industry and financial analysis expertise to outperform the portfolio default rate by 500 basis points.• Loan review analysis includes but not limited to, industry analysis,bank statement transactions,credit reports, tax returns,cash flow, fraud detection and financials statement. •Developed a bank statement cash burn model and financial summary model used throughout the company. •Experience has provided me the ability to quickly and confidently decision loan request files with approval times from 15 minutes for under $100,000 to 4 hours for up to $750,000. •Chosen by CEO to launch an SBA referral unit. Developed business plan and established relationships to execute the plan. Worked closely with senior management of sales, marketing, and IT as the lead project manager. • Created a conditional application model to lower cost of customer acquisition.• Manage two employees.• Work from home since March 2020.



Modern Bank, N.A.

• Senior Portfolio Manager Commerical Real Estate

  • mar 2011 - wrz 2015

  Credit Department of client segment focused private bank that comprise the principal economic sectors in the greater New York metropolitan area: commercial markets, private equity and hedge funds; professional services; and commercial real estate.Manage a Portfolio of Commercial Real Estate Loans (Multi-Family, Mixed-Use, Office, Retail and Transitional) in New York City and surrounding area Core FunctionsAnalyze portfolio for concentrations.Monitors relevant market industry data for trends and proactively identify emerging credit issues which may impact performance and prudently keeps management informed.Advise on developments and trends in the CRE Portfolio.Prepare Loan Annual Reviews, Watch Loan Reports and Criticized Assets Reports as required by policy.Analyze all financial reporting documents upon receipt, including but not limited to Operating Financial Statements, Business and Personal Tax Returns, Rent Rolls, and Personal Financial Statements.Reviews new creditsPrepare and present a Semi- Annual Portfolio Review Monitors assigned loan portfolio for early identification of potential problems and ensures that all loans are properly risk rated, works closely with Deputy Chief Credit officer to administer problem creditsMonitor/track all required escrows, undertaking and other structural requirements within covenants as required in the loan documents ( i.e., Repair and Remediation Riders) Supports Loan Servicing to resolve any financial reporting collection, RE Tax, Insurance or other operational issues identifiedReviews and assesses any request from borrower which requires banks consent. If acceptable and all requirements defined in the loan documents are satisfactory, prepares a memo to recommend the request for approval to the Chief Credit Officer.·



CIT

• United States
• Financial Services
• 700 & Above Employee

• SENIOR RELATIONSHIP MANAGER

  • paź 2003 - lip 2010

  Efficiently managed portfolio of SBA 7a, 504 Real Estate, and conventional small business franchise / non-franchise loans. Analyzed business / personal tax returns, credit reports, and financial statements to determine quality of credit; analyzed industry and economic data, cash flow analysis, debt coverage, balance sheet leverage, and other relevant financial ratios. Reviewed and recommended loan modification requests from borrowers on existing loans, including sale of business (assumption of note), line of credit increases, partner additions, collateral substitutions, and asset purchases and sales. Collaborated with third-party attorneys regarding legal changes / amendments to loan documents for modifications. Graded loans using probability of default and loss given default standards. Negotiated debt restructure terms on loan workouts. Produced monthly and quarterly reports.Selected accomplishments:Managed annual credit review process, including team workload management; requests for financial information; and peer review of existing borrowers' credit, including completion of cash flow and risk rating models for review and approval.Earned President's Award for exceptional performance and streamlined management of annual credit review process.Led informative client discussions and provided appropriate expectations and solutions to maximize customer service and satisfaction.



Self-Employed

• Professional Speculator

  • lut 2002 - paź 2003

  Leveraged expertise in both commodity and stock markets to drive short-term and long-term trades for personal account. Integrated knowledge of economics, fundamental and technical analysis, and statistics / probabilities theories to realize portfolio gains.Selected accomplishment:Realized average annualized returns on self managed IRA account of 16% from January 2004 to October 2011 (total return 164%). Leveraged expertise in both commodity and stock markets to drive short-term and long-term trades for personal account. Integrated knowledge of economics, fundamental and technical analysis, and statistics / probabilities theories to realize portfolio gains.Selected accomplishment:Realized average annualized returns on self managed IRA account of 16% from January 2004 to October 2011 (total return 164%).



Kelly

• United States
• Staffing and Recruiting
• 700 & Above Employee

• CONSULTANT

  • lis 2001 - sty 2002

  Conducted annual credit reviews for 55 SBA and conventional small business loans with total net investment of $72MM. Reviewed, audited, and analyzed underwriting, collateral, and latest financial statements to provide credit rating for loans. Selected accomplishments:Created comprehensive report for senior management highlighting trends and patterns in selected portfolio of loans. Recognized for excellence in short-term consulting role; recruited back to full-time position at CIT due to outstanding performance.



ECO-SPIN LLC

• CFO / PRESIDENT

  • mar 2000 - lis 2001

  Created and launched start-up company to develop and produce licensed toy product opportunities. Analyzed competitive products; researched distribution channels and target markets; and produced sales forecasts, budgets, and margin analysis. Negotiated licensing contract terms. Presented proposals to Fortune 500 executives.Selected accomplishment:Obtained letter of intent from Fortune 500 company. Created and launched start-up company to develop and produce licensed toy product opportunities. Analyzed competitive products; researched distribution channels and target markets; and produced sales forecasts, budgets, and margin analysis. Negotiated licensing contract terms. Presented proposals to Fortune 500 executives.Selected accomplishment:Obtained letter of intent from Fortune 500 company.



Hudson Studios

• Studio Manager

  • mar 2000 - gru 2000

  Manager of a Fashion Photography Studio and coordinated a re-launch of the studio with the intention of buying a small interest. Worked with third party suppliers to rent additional photo equipment required for shoots. Discussed services with photo shoot producers, photographers etc. to provide expectations of the studio’s superior services.Met with Bobbie Brown, negotiated a Harley rental for photo shoot with Paul Teutul Sr. of Orange County Choppers. Studio users includedSTRENESSE Clothing Showroom spring / fall linesWhitney Houston photo shoot for Vibe magazineBloomingdales – print adsJulia Stiles Spin Magazine shootFord Modeling Agency Holiday Party.



SCRIPPS-FOOD TV CABLE TELEVISION NETWORK

• FINANCIAL ANALYST

  • wrz 1998 - mar 2000

  Performed in-depth analysis of consolidated financial statements, including profit and loss and cash flow statements. Analyzed and reviewed annual department budgets. Generated monthly and long-term financial forecasts for numerous departments across company. Spearheaded business research projects and contributed to cost management efforts. Consulted with senior management on operating budgets and business plans. Selected accomplishments:Tracked Ad Sales team's progress toward revenue objectives, monitoring ad spot inventory, ratings, and marketplace for revenue impact; annual revenues exceeded $60M.Completed competitive analysis of FoodTV.com website, resulting in strategic shift of original business plan.Acted in TV promo for show



Prudential

• Auditor

  • 1993 - 1995



NCR Corporation

• United States
• IT Services and IT Consulting
• 700 & Above Employee

• Associate Manager

  • 1988 - 1992

  Managed accounts payable and payroll departments. Developed departmental budget. Created an AAP spreadsheet program which was distributed nationwide. Managed accounts payable and payroll departments. Developed departmental budget. Created an AAP spreadsheet program which was distributed nationwide.