Danielle Smith
Trigger Monitering Analyst at Strategic Property Associates- Claim this Profile
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Bio
Credentials
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First Aid/CPR
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Experience
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Strategic Property Associates
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United States
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Leasing Non-residential Real Estate
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1 - 100 Employee
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Trigger Monitering Analyst
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2017 - Present
• Responsible for the analysis of vacancies, lease expirations and terminations and gross sales thresholds.• Extensive research using company’s system tools and interaction with different departments throughout the company.• Determine if a tenant is still in occupancy, leases have been renewed/extended or tenants have achieved certain gross sales threshold per the terms of the Loan Documents.• Work as a team to identify if borrower/tenant is in compliance and escalate triggers as necessary if not in compliance.• Accountable for escalating triggers as necessary Show less
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Life of Loan Analyst
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2015 - 2018
• Responsible for analysis of commercial real estate loan documents, compared these documents for accuracy of the document to the system boarded data.• Detailed, comprehensive review of Commercial Real Estate documents (Note, Loan Agreement, Deed of Trust, Appraisal, Closing Statements, etc.).• Reviewed loan terms per CRE documents to ensure terms were correct in servicing software/database.
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Debt Service Coverage Ratio (DSCR) Financial Analyst
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2014 - 2015
• Create DSCR Covenant test on Excel spreadsheet based on Covenant Summary• Extract all pertinent information from financial statements and rent rolls• Calculate DSCR using calculations based on Covenant Summary• Create Covenant Summary using various loan documents• Extract trigger event and definitions from Loan Agreement or equivalent• Extract Guarantor names and covenants from Guaranty• Extract account information from Deposit Account Agreement
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Lease Reviewer
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2014 - 2014
• Read new commercial Lease Agreement and/or subsequent Lease Amendment(s)• Extract all Lease exceptions• Calculate DSCR calculations• Calculate new occupancy percentage
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Insurance Auditor
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May 2013 - 2014
• Verify information on Excel spreadsheet to database• Check database to verify if current insurance documents have been received• Contact insurance agents for insurance documents needed• Verify all insurance requirements are met• Request revisions from insurance agent if necessary
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Trust Pool Analyst
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2007 - 2008
• Verified data from mortgage-backed securities using WINCMSS software • Verified data from mortgage-backed securities using WINCMSS software
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Underwriter
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2005 - 2006
• Reviewed and analyze loan applications, credit reports, income documentation, employment records, court documents such as bankruptcy and divorce decrees to verify information as needed to assess borrower’s ability to repay and meet program parameters and assess risk • Analyzed property appraisals to determine value of collateral • Completed preliminary approval form listing prior to doc and funding conditions • Issued loan suspensions or counter offers pending receipt of additional documentation and denial of loans not meeting program parameters • Reviewed application for HMDA, High Cost and Net Tangible Benefit to borrower Show less
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Document Department Manager
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2004 - 2005
• Ensured that loan applications, credit reports, income documentation, employment records, court documents, such as bankruptcy and divorce decrees were in place (quit claim deeds if necessary)• Scheduled appointments between the client and notary to sign off on all legal documentation
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Education
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2018 - 2022
Saddleback College
Business Administration and Management, General -
1995 - 1999
Magnolia High School
High School Diploma, General Studies
Community
