Experience

Grandbridge Real Estate Capital

• United States
• Capital Markets
• 100 - 200 Employee

• Portfolio Manager

  • May 2017 - Present

  Birmingham, Alabama Area As a portfolio manager, I am responsible for ensuring that all portfolio loans adhere to the lender's established credit policies, procedures, business strategy, and regulatory guidelines. I manage and monitor assigned commercial relationships by obtaining and analyzing financial data to assess the accuracy of loan risk ratings. I also monitor the performance of the commercial portfolio's individual assets to identify emerging risks and trends, and evaluate property performance. Based on my… Show more As a portfolio manager, I am responsible for ensuring that all portfolio loans adhere to the lender's established credit policies, procedures, business strategy, and regulatory guidelines. I manage and monitor assigned commercial relationships by obtaining and analyzing financial data to assess the accuracy of loan risk ratings. I also monitor the performance of the commercial portfolio's individual assets to identify emerging risks and trends, and evaluate property performance. Based on my findings, I provide conclusions and recommendations to senior credit and management. Additionally, I oversee ongoing borrower requests and the loan modification and extension process by working with commercial support staff, clients, and the credit department. Show less



Regions Bank

• United States
• Banking
• 700 & Above Employee

• Debt Products Associate

  • Sep 2014 - Mar 2017

  Birmingham, Alabama Area Managed commercial real estate loan portfolio throughout the US. Analyzed rent rolls and financial statements to ensure compliance with financial and debt service covenants. Established and reviewed benchmarks for leasing and financial performance of commercial properties. Ensured compliance with loan policy for new loans and reviewed appraisals, leases, and market data for feasibility. Collaborated with Commercial Real Estate and credit teams to prepare credit approval packages for new and… Show more Managed commercial real estate loan portfolio throughout the US. Analyzed rent rolls and financial statements to ensure compliance with financial and debt service covenants. Established and reviewed benchmarks for leasing and financial performance of commercial properties. Ensured compliance with loan policy for new loans and reviewed appraisals, leases, and market data for feasibility. Collaborated with Commercial Real Estate and credit teams to prepare credit approval packages for new and renewed debt products, including determination of risk rating, analysis of financial performance, covenant compliance, relationship profitability, and other risk drivers. Applied in-depth knowledge of bank and regulatory commercial loan policies, and documented any policy exceptions and rationale/mitigants. Show less



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Assistant Vice President - Commercial Real Estate

  • Jun 2011 - Sep 2014

  Birmingham, Alabama Area Was part of Wells Fargo Commercial Real Estate lending team in Birmingham, Alabama. Responsibilities included in-depth underwriting and analysis of large complex commercial real estate transactions, including loan pools comprised of multiple assets in multiple real estate markets. Also, was involved in management of real estate loan portfolio, completing detailed quarterly financial analysis of existing loans including managing monthly escrow and construction draws. Routinely completed detailed… Show more Was part of Wells Fargo Commercial Real Estate lending team in Birmingham, Alabama. Responsibilities included in-depth underwriting and analysis of large complex commercial real estate transactions, including loan pools comprised of multiple assets in multiple real estate markets. Also, was involved in management of real estate loan portfolio, completing detailed quarterly financial analysis of existing loans including managing monthly escrow and construction draws. Routinely completed detailed personal financial statement analysis of loan guarantors and monitored and assigned appropriate loan risk ratings. Show less



Solution Capital Investments

• United States

• Senior Real Estate Analyst

  • Mar 2010 - Jun 2011

  Had a broad range of responsibilities including advanced financial modeling for IRR and NPV of real estate investment opportunities. Other responsibilities included feasibility analysis and due diligence involved with acquisition of existing real estate developments.



Overco Inc.

• United States
• Advertising Services
• 1 - 100 Employee

• CEO

  • Mar 2005 - Mar 2010

  Franchise owner of printer cartridge supply company located in Vestavia Hills, Alabama.



Regions Financial Corporation

• Credit Review Examiner

  • Aug 2008 - Oct 2009

  Conducted credit risk assessment on commercial loan portfolios by analyzing individual loan transactions for risk rating accuracy, policy compliance, and prudent credit risk management practices. Performed portfolio-level assessments given current and forward-looking risk factors. Conducted risk-based on-site portfolio examinations on commercial loan portfolios throughout the bank’s footprint. Communicated risk-based findings to line management.



Collateral Mortgage Capital

• United States
• Real Estate
• 1 - 100 Employee

• Senior Real Estate Credit Officer

  • Jul 2003 - Mar 2005

  Birmingham, Alabama Area Underwrote, closed and managed portfolio of commercial construction and real estate interim loans prior to their placement in the permanent market. Property types included multifamily, industrial, office, retail, and self storage.



SouthTrust Bank

• United States
• Financial Services
• 1 - 100 Employee

• Commercial Real Estate Lending

  • Feb 1998 - Jul 2003

  Birmingham, Alabama Area Reported directly to Chief Commercial Real Estate Credit Officer and responsibilities included previewing potential commercial real estate loans and working with line relationship managers on structuring sound real estate loans in compliance with bank policy. Prior to this position, but still within the Commercial Real Estate Department, I worked as Syndications Specialist involved with purchasing real estate loans and pools of loans from other financial institutions.



AmSouth Bank

• Banking
• 1 - 100 Employee

• Review Appraiser

  • Aug 1996 - Feb 1998

  Licensed Certified General Real Property Appraiser in State of Alabama. Ordered and reviewed appraisal reports for bank related financing on all types of commercial real estate loans. Designed appraisal ordering and review database used by department.



SouthTrust Corporation, Inc.

• Property Specialist

  • Jul 1995 - Jul 1996

  Birmingham, Alabama Area Worked in group that managed bank owened real estate used for operations. Reviewed and negotiated leases and dispositon of bank property (former branches etc). Managed upcoming lease maturities, real esate tax analysis, and reivew and negotiations of easements.



Graham & Company, Inc. and Appraisal Research Associates

• Real Estate Appraiser

  • May 1993 - Jul 1995

  Birmingham, Alabama Area Completed both commercial and residential real estate appraisals.