Experience

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  Westfield Bank

  • Springfield, Massachusetts, United States

  • Relationship Manager CRE

    • Apr 2022 - Present
    • Springfield, Massachusetts, United States

    Portfolio Management for a Commercial Real Estate Group, within a growing Bank in Western MA and Northern CT.

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  People's United Bank

  • United States
  • Financial Services
  • 700 & Above Employee

  • Portfolio Manager, VP Commercial R.E. Finance

    • Aug 2014 - Apr 2022

    Proactively manage a Portfolio of various loan types both in my own portfolio and for Relationship Managers. Debt secured by all major collateral classes. Responsible for Borrower interaction regarding new loan underwriting, managing maturities through modifications and renewals, rate reduction requests, and prepayments. Also annual and interim reviews, risk rating assessments, covenant testing, action plans, financial statement collection and analysis, and assuring compliance with regulations, policies and procedures.

  • Lead Commercial R.E. Loan Review Analyst

    • Oct 2011 - Apr 2022

    Review of commercial real estate loans for sound underwriting and compliance with bank and regulatory requirements. Analyze the composition of the Bank’s commercial loan portfolio to identify any deterioration of loan quality, potential problem loans, exceptions to loan policy, concentrations of credit, and documentary deficiencies. Identify potential borrower, structural and collateral weaknesses. Monitor the risk rating system to insure it is both accurate and current, and recommend adjustments as warranted by credit quality.

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  Bank of America

  • Consultant- Residential Underwriting

    • Apr 2009 - Mar 2012

    Underwriting of credit, title, income and valuation issues relating to a residential portfolio.

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  ubs Realty investors

  • Director

    • Aug 2005 - Oct 2008

    • Primary responsibilities included the quarterly valuation of equity real estate assets in the aggregate of approximately $1.1 billion. (Assets under management $17 billion, 300+ properties). • Third party appraisal reports reviewed for methodology, accuracy and reasonableness. • Internal valuations of properties completed. Managed the process utilizing input from regional offices, asset and property managers, leasing and sales brokers and external appraisers. • Assets included all major property types and U.S. markets; inspections of properties and markets performed on a periodic basis. • Dyna and Argus valuation software utilized in the valuation and review process. • Analysis similar to the above performed for asset acquisition and disposition, utilizing in-house valuation and underwriting in conjunction with input from external appraisers and brokers.

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  HIMCO

  • AVP

    • 1999 - 2006

    • Responsible for the analysis of Commercial Mortgage Backed Securities deals, for purchase on behalf of a Commercial Real Estate Mortgage Portfolio of approximately $9+ billion, and total assets under management of approximately $81 billion. Deals analyzed (and re-underwritten on a sample basis) for risks due to concentration in loan size and underwriting quality, property types and locations, and a review of valuations, with an assessment of third-party reports including appraisal and environmental.• Analysis similar to the above was performed for the purchase of Investment and Below-Investment Grade loans, participations and syndications, with more emphasis upon underwriting and valuation.

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  MassMutual

  • Associate Director

    • 1994 - 1998

    • Responsibilities included contact with the borrowers, and coordination of the internal and external resources necessary to close loans. • In conjunction with the internal Legal Department and local counsel, negotiated loan document provisions for consistency with the Loan Commitment, and protection of the Company’s interests. Cooperation with other internal departments regarding locking rate, reserving funds, and wiring loan proceeds was integral to the process.