Experience

Flagship Bank Florida

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • Nov 2021 - Present



First Republic Bank

• United States
• Banking
• 700 & Above Employee

• Loan Specialist

  • May 2021 - Sep 2021

  Contract position on a project to transition/restructure/underwrite a large group of commercial real estate and residential loans with rates based on the Cofi index to new loans based on various alternative indexes. Contract position on a project to transition/restructure/underwrite a large group of commercial real estate and residential loans with rates based on the Cofi index to new loans based on various alternative indexes.



Raymond James

• United States
• Financial Services
• 700 & Above Employee

• Analyst

  • Oct 2020 - Dec 2020

  Contract position performing credit analysis of Bank customers to underwrite loan requests for various purposes, backed primarily by collateral held in Raymond James brokerage accounts. Contract position performing credit analysis of Bank customers to underwrite loan requests for various purposes, backed primarily by collateral held in Raymond James brokerage accounts.



CIT

• United States
• Financial Services
• 700 & Above Employee

• Senior Credit Analyst

  • Oct 2019 - Jun 2020

  (Tampa office closed permanently June 2020) Worked on the Tampa commercial real estate team to analyze a heavy flow of new deals in the CRE pipeline, while servicing an existing portfolio. • Spread and analyzed financial statements and/or tax returns. Provided a written review of the details uncovered. • Prepared financial projections based on client input and other factors that would impact future results. Projections included a most likely scenario, best case scenario and breakeven/stressed scenarios. • Identified material changes and trends on financial statements and analyzed cash flow for the proposed deal. • Identified key risks and determined appropriate mitigants to those risks. • Presented credit packages for new loans, renewals and annual/quarterly reviews that clearly stated the risks and key considerations for doing business with the client or prospect. • Routinely monitored loans for compliance. • Utilized external resources such as appraisals, rent rolls, industry information and market information to help determine adequacy of cash flow and collateral. • Discussed loan structure with Relationship Managers and borrower, ensuring the structure allowed for the appropriate amount of risk for the bank. • Based on identified risks related to borrower operations, industry/sector, collateral, etc., recommended appropriate risk rating.



Centennial Bank

• United States
• Banking
• 700 & Above Employee

• Assistant Vice President - Credit Analyst III

  • Mar 2017 - Oct 2019

  Worked with a large pool of loan officers to analyze and underwrite commercial real estate and C&I loans for clients in markets throughout Florida. • Underwrote complicated commercial real estate loans from construction to permanent financing, as well as credit lines collateralized by real estate. • Compiled credit data and spread personal/corporate financial statements to evaluate the credit worthiness and financial strength of the borrowing entity. • Prepared historical/projected NOI analyses on subject properties, including various stress testing metrics. • Analyzed corporate operations to support the ongoing economic viability of the borrowing entity. • Juggled analyses of multiple projects simultaneously. Completed within short turnaround times. • Performed detailed market/industry analyses. • Prepared written analysis that articulated the strengths, weaknesses and risks related to a transaction. • Presented loan recommendation to committee for approval. • For commercial real estate loans, analyzed the subject market area and obtained/analyzed comparables, vacancy rates and absorption rates. Concluded an internal valuation estimate of the collateral. • Performed annual reviews and loan renewals on a regular basis.



Thomas D. Wood and Company

• United States
• Commercial Real Estate
• 1 - 100 Employee

• Commercial Real Estate Analyst

  • Jun 2015 - Feb 2017

  (Tampa Office closed February 2017) Worked with brokers to facilitate financing for commercial properties throughout the FL, GA and NC marketplaces. • Created detailed loan packages for asset purchases, refinancing and construction projects. • Abstracted leases, created detailed rent rolls, and performed financial analyses of existing and prospective tenants. • Analyzed borrower budgets and financial statements in order to create historical and forecasted financial models. Structured loans for consideration by banking and life company clients. • Performed a thorough market analysis, including rental and sales comparables. • Created a thorough narrative description of the transaction, collateral, and market. • Performed various NOI scenario analyses for borrowers in order to recommend the best course of action. • Worked with lenders to assist in their understanding of proposed project/financing and provided post-closing information.



Focus Management Group

• United States
• Business Consulting and Services
• 1 - 100 Employee

• Underwriter

  • Oct 2009 - May 2015

  Supported consultants with the structuring of reports analyzing commercial real estate and C&I credits in the loan portfolios of the company’s banking clients. • Analyzed companies in a broad range of industries with the goal of advising lenders as to the best course of action, recommending corporate operational improvements, restructuring, or liquidation. • Performed valuation and analysis of bank real estate portfolios. • Liquidated real estate assets for clients, or managed through receiverships. Reviewed cash flow forecasts and other financial models for accuracy. • Worked as a consultant in the field, as necessary. • Worked with sales and marketing team to develop new business with corporate and government clients.



York Consulting Group

• Recruiter

  • Dec 2008 - Sep 2009

  Contract position recruiting financial professionals. Contract position recruiting financial professionals.



Encore a part of LMCU

• United States
• Banking
• 1 - 100 Employee

• Assistant Vice President - Credit Analyst

  • Jun 2006 - Oct 2008

  (Exited Florida market and closed all offices) Sole credit analyst for the Florida region, supporting 11 loan officers. Analyzed and structured commercial real estate loans for clients in the Tampa Bay, Fort Myers and Naples, Florida markets. • Underwrote first mortgages, secured/unsecured lines of credit and equipment financing for clients in various industries. • Compiled credit data and spread personal/corporate financial statements/taxes. • Created detailed projections to estimate future project cash flows. Performed a detailed market/industry analyses. • Prepared credit memorandums detailing the transaction and project. • Presented loan recommendation to committee for approval. • Monitored portfolio financial statements to determine if clients were in compliance with loan covenants.