SUMMARY:

• Over 14 years of experience in banking & finance experience as a credit and treasury management - focused relationship manager and business development professional. Successfully managed and grew a portfolio of commercial clients ranging in size from $1MM to $35MM in revenue, while maintaining and developing existing client relationships through referral, COI, and client networks of over 2,800. Maintained a focus on winning clients via relationship-based, consultative approach designed to position myself as the go-to trusted professional services advisor.
• Originated commercial mortgages including construction loans, firsts, seconds, and mezzanine loans from $100K to $20 million. Also involved in sourcing and arranging equity financing via joint venture partnerships for real estate developer clientele.
• Originated over $12 million in approved loan commitments ranging in size from $150K to $3.5 million including working capital lines of credit, term loans, commercial mortgages, and letters of credit for clients across a variety of industries including Healthcare, Manufacturing, Energy, Information Technology, Retail, Not-For-Profit, Manufacturing, and Construction. Portfolio weighted towards government contractors.
• Managed and grew a portfolio of commercial clients ranging in size from $1MM to $35MM. A focused, relationship-based, solutions oriented, consultative approach designed to position myself as trusted professional services advisor. Focused on healthcare, professional services, not-for-profits, private energy companies, and government focused technology contractors in the federal and state space.
• Performed in a broad range of roles including acquisition, asset management, construction, development, disposition, project management, leasing, loan, and redevelopment of different types of real estate assets and credits including multifamily, raw land, single family development, homebuilders, retail, industrial, hospitality, and office.
• Advised hedge fund on the acquisition of a $275MM mortgage syndicated between 9 banks with US Bank being the lead bank. This was a portfolio of 12 flagged hotels in secondary and tertiary markets throughout the US. In this instance, was tasked with due diligence that involved interaction with all participating banks. Able to consummate a sales commitment that saw the client purchasing the note for $175MM.
• In current role with Confidential, I’ve liaised with the Institutional Services Group to facilitate interest rate swaps with an RE investment company, showing them how to mitigate their exposure to downside interest rate risk and hedge against volatility in current interest rate environment. Closed $3MM mortgage refinance on $7.5MM strip mall property.
• Worked with a number of clients while at Confidential and Confidential where I’ve helped create, underwrite, and implement trade finance solutions for clients engaged in cross border businesses. Ranging from factoring receivables to issuing L/Cs to aid them in more efficient and effective cash flow cycle management with their trades, particularly those engaged in import/export. Also engaged the Institutional Service Group & International Trade Finance group to aid me in identifying opportunities to enhance revenue and profitability with particular portfolio clients engaged in ongoing trades via currency arbitrage.
• Leadership skills include the direct hiring, training, supervision, and review of origination and support staff as a mortgage banking manager and admin staff as a commercial banker.
• Always responsible for creating business development and capture management plans including the identification of new prospects as well as maintaining/developing existing client relationships. Constant cultivation of rich referral, COI, and client network of over 2,800.
• Comprehensive understanding of the balance sheet, financial statements with ability to perform cash flow analysis and financial modeling.
• High aptitude/proficiency in the uses of all PC software/hardware (entire Microsoft Office suite) including assisting in the development of comprehensive analytical models using Excel, Argus and others. Extensive work with CRM software platform SalesForce.

PROFESSIONAL EXPERIENCE:

Confidential, Washington Metro, DC

Vice President - Business Analyst/Lead Associate

Responsibilities:

• Worked as origination consultant and analyst on 8 deals, including buy-side M&A and debt and equity financings; prepared valuation analyses and client/investor/partner presentations
• Selected Transaction Experience:
• Potential $5.5 million acquisition and rebranding of networking technology company
• Helped prepare valuation using public and private company comparables, precedent transactions, and DCF; analysis showed company was over-valued by 30% and was successfully used in negotiations to lower asking price from $8.5 million to $5.5 million
• HelloHello Language Software Development Company $750 thousand equity investment
• Researched online applications market to develop financial criteria such as revenue growth, user interface rates, and EBITDA margins; recommended 4 best candidates to compare, leading to additional due diligence. Identified glitches in apps download and usage in android play store versus iStore which led to application’s continued development and refinement for enterprise level role out.
• Potential $2.5 million equity investment in small boutique petro-physical/geoscience firm in Houston market
• Oilfield Logistics and Truck Transportation $1.4 million lease financing
• Assisted with arranging lease financing for acquisition of fleet of 25 trucks (power unites and pneumatic tankers) for frac sand hauling in West Texas; also researched and select private company comparables to be used in valuation for subsequent working capital financing
• Worked with management to identify, engage, bid, and win 3 master services agreements and contracts with both operators and fracking companies.
• Freedom Developments $5 million luxury condo residence development project
• Worked with developer to arrange 85% Loan-to-Cost financing against $2.8 million budget. Created condominium valuation analysis, precedent/comparable transactions, and lender presentation
• Worked with developer to identify and select project management firm, general contractor, 3rd party inspector, and title company for draw management

Confidential, Washington Metro, DC

Vice President-Senior Business Banking Relationship Manager

Responsibilities:

• Manage a portfolio of 125 commercial clients comprised of both emerging and seasoned companies in the $1MM to $20MM revenue segment. Identified opportunities to expand the existing relationships via value add solutions and advice.
• Conducted quarterly financial analysis reviews and strategy discussions with client’s senior management around their business growth plan. Adept at identifying strategies and tactics to contract cash flow cycle, bringing efficiency and expanding margins. Creating tailored product solutions around client’s credit, treasury & cash management, and investment needs.
• Built detailed cash flow and capitalization models to support recommendations where capital and credit needs were identified. Created and implemented marketing and prospecting plan around focused referral commitments from centers of influence and existing client base.
• Grew portfolio in both size and profitability (margin increase of 8.5%) in under 8 months. Generated pipeline of $4.7 million in approved C & I credits. Originated over $20,000 per month in closed treasury and merchant product solutions
• Lending authority to $5MM, responsible for risk management of my portfolio and new construction projects with Confidential Real Estate Business Advisor
• Prepare and present credit memo with comprehensive proposals and reports to both clientele and management with financial solutions, trends, market analysis, while also completing preliminary underwriting of all my own credits/deals to $3.5MM lending authority limit
• Effectively maintain and manage a commercial loan portfolio while increasing clientele and production
• Identify and source cross sell opportunities for in-house partnership sales opportunities with Treasury Management, Private Wealth Management, Healthcare Banking, Institutional Investments Group, and Merchant Services.
• Completed Omega Commercial Credit Pathways Training and Certification

Confidential, Washington, DC

Assistant Vice President-Commercial Relationship Manager

Responsibilities:

• Managed a portfolio of 175 commercial clients comprised of both emerging and seasoned companies with $1MM to $10MM revenue. Identified opportunities to expand the existing relationships via value add solutions and advise.
• Conducted semiannual financial analysis & review and strategy discussions with client’s senior management around their business growth plan.
• Adept at identifying strategies and tactics to contract cash flow cycle, bringing efficiency, save time and expanding margins.
• Creating tailored product solutions around clients deposit, treasury management, credit and investment needs.
• Built detailed cash flow and capitalization models to support recommendations where capital and credit needs were identified. Originate and execute growth initiatives and transactions via debt-based financing for business expansion, real estate acquisitions, recapitalizations, and start-ups across multiple industries, including not-for-profit, healthcare, professional services, technology, real estate, hospitality and entertainment.
• Created and implemented marketing and prospecting plan around focused referral commitments from centers of influence and existing client base.
• Grew portfolio in both size and profitability (margin increase of 9%) in under 12 months. Led team in Confidential loan origination with $1.2 million in closed business. Experienced great success in creating deposit product solutions and commercial card solutions within the not-for-profit segment of my portfolio.

Confidential, Washington, DC

President/CEO

Responsibilities:

• Originated and closed commercial mortgage loans ranging in size from $300K to $20 million with a total of $79 million closed. Performed due diligence, packaging, and pre-underwriting real estate-based and commercial loans. Diverse transaction types and loans included multifamily, raw land, single family development, homebuilders, retail, industrial, hospitality, and office. Reviewed data to determine the salient characteristics of the loans including the borrower's operating and business performance, collateral, assessment of loan documents, and collateral valuations. Performed acquisition due diligence and pre-underwriting for institutional investors and buyers acquiring performing and non performing portfolios of commercial real estate loans, REO portfolios and commercial loans. Developed a strategic marketing campaign targeting developers, lenders, accountants, attorneys, and real estate professionals focused on generating not only deals and transactions but referrals.
• Working with small private operators to bring in technical talent, geologists, petroleum engineering, and Financial Officers. Assisted in creating marketing and operation plans along with presentation for trade shows. Reviewed well logs, seismic data, AFEs and reserve reports for new infield drilling opportunities.

Confidential, Silver Spring, MD

Commercial Mortgage Banker-Assistant Sales Manager

Responsibilities:

• Oversight of origination and management of $85 million (55 clients +) real estate debt construction loans, first mortgage, mezzanine positions, and equity investments: The different types of real estate assets and loans included in the Crosstowne’s commercial portfolio include multifamily, raw land, single family development, homebuilders, retail, hospitality, and office.
• Managed loan origination team with 6 direct reports including 4 origination staff and 2 processing and support staff. Facilitate meetings with senior management on matters concerning process re-engineering, change management, performance metrics, and coaching initiatives. Helped lead Business Development workshops to train direct reports and peers around business development, credit policies, industry updates, and loan proposal development.
• Reviewed and analyzed financial and operational data for mortgages and underlying assets; report to internal management; identify and address potential issues; build and maintain ongoing relationships with borrowers and investors/lenders; and review and approve various requests such as lease approvals, constructions draws, project change orders, and collateral releases.
• Closed loans: Interface with debt issuers and loan investors and their respective counsels in drafting, negotiating and reviewing debt documents, and closing financings.
• Syndication of loans: Support syndication desk to successfully reduce loan exposure via distribution of CRE-originated debt instruments to investors. Provide reports, respond to information requests and field questions from investors throughout the life of a deal.
• Conduct property inspections: Visit assets as required to ensure they are being well-maintained, to observe renovations and tenant improvements, and construction status, and to review the overall competitive market performance.
• Preparation of quarterly and annual property and portfolio reviews: Prepare quarterly and annual financial reviews of each debt facility, including documenting and explaining variances, confirming compliance results with debt covenants, and identifying market and industry trends.

Confidential, Laurel, MD

CRA Lending Consultant

Responsibilities:

• Mortgage originator and sales position, including branch sales, business development, client services, education and credit analysis.
• Analyzed financial statements, applications, and pertinent information to determine creditworthiness of prospective customers.
• Counseled potential clients and first-time homebuyers with regard to their borrowing needs, creditworthiness and financial health.
• Specialized in all CRA lending products and underwriting guidelines
• Originated and closed over 70 loans and $14,500,000 in business.

Confidential, Alexandria VA

Management Associate /Personal Banker - Officer

Responsibilities:

• Stand out participant in Bank’s Management Associate program while still enrolled full time in University in undergraduate studies
• Consistently performed 4 for 4 in major sales goals, personal deposits, mortgage, customer service scoring, and consumer credit cards
• Led community and business outreach for Confidential bank-at-work program
• Led training and coaching initiatives for other platform and teller staff for client service and deposit product rollouts