Experience

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  Mercantile bank

  Jan 2000 - Mar 2002

  Commercial credit review manager

  - Managed Staff and assigned tasks- Audited commercial loan portfolios- Audited exiting commercial loan officer portfolios-Generated reports based on results of audit-Downgraded/upgraded Credits based on financial data and status of file

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  Mercantile bank

  Jun 2002 - Aug 2008

  - Managed staff and assigned tasks- Underwrote complex commercial real estate packages for new, renewals, modifications and/or extensions- Recommended downgrades based on results-Managed various reports: Past Dues, Special Assets, Maturities Report.- Worked jointly with loan officers to complete task/update the file.- Trained staff and/or reviewed work as needed. - Transfered to Florida- Same tasks as in Greenville South Carolina

  • Commercial Real Estate Underwriter and Manager

    Mar 2006 - Aug 2008

  • Commercial Credit Review Manager

    Jun 2002 - Mar 2006
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  Coldwell banker florida

  May 2011 - Feb 2013

  Realtor, short sale resolution specialist

  - Determine seller eligiblity for short sales and guide seller through the process.-Provide Buyers with current market data to assist them in offering the best price to obtain property for self/investment purposes- Provide Sellers with current market data to select the best list price in order to sell their home at the highest possible price for the shortest time on the market.

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  Charles rutenberg realty

  Mar 2013 - Jan 2014

  Realtor and sales associate

  -Provide Buyers with current market data to assist them in offering the best price to obtain property for self/investment purposes- Assisting buyer with determining estimated payment and associated closing costs to fit their budget.- Determine seller eligiblity for short sales and guide seller through the process.- Provide Sellers with current market data to select the best list price in order to sell their home at the highest possible price for the shortest time on the market.

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  Prestige property shop llc

  Jan 2014 - Jan 2022

  Real estate agent

  -Keep customers informed on current market trends and providing current market data to assist them in the best pricing for the property in consideration. - Guide Buyers through the purchase process and only showing property that best fits their financial budget/limitations. - Work with Sellers to select the best list price in order to sell their home at the highest possible price for the shortest time on the market. - Determine Seller's eligibility for a short sale and guide seller through the process. Show less

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  Axiom bank, n.a.

  Mar 2015 - Mar 2020

  Senior credit analyst/underwriter

  -Underwrote commercial real estate credits to include A&D, Construction, Retail, Office (OORE/NOORE), ALF, Hotel, and Storage facilities. Underwriting included market research for each property/industry type as well as background checks on both company and principals.-Assisted in the development of internal reports for concentration data and stress testing to determine financial institution’s industry risk and credit risk. -Annual audits on existing commercial credits to determine continued acceptable financial performance of the borrower, guarantor(s) and/or the real estate financed as well as updated market analysis.-Provided leadership and training to staff. Show less

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  Southstate bank

  Mar 2020 - now

  Commercial underwriter