Ryan Lombardo

Experience

• 

  M&T Bank

  Feb 2009 - Jun 2009

  Trust Administrative Assistant

  *Serves as liaison between clients, trust administrators, bank personnel *Prepares follow-up letters to clients*Responds to questions and/or issues regarding routine departmental or procedural matters*Prepares reports on performance measurement data, major security transactions, brokerage commissions, etc.

• 

  Community Bank System, Inc.

  Jun 2009 - Oct 2010

  Customer Service Representative

  *Cooperates with other team members and departments to problem solve and achieve bank goals*Handles telephone inquiries and researches requests from both internal and external customers*Perform appropriate follow up tasks including ongoing communication with the requestor*Efficient handling of Credit Bureau disputes*Completes loan information requests from government and other financial institutions

• 

  HSBC

  Feb 2011 - Aug 2011

  Mortgage Servicing Operations Representative

  *Creating Assignments for mortgages*Project Management*Project Analysis*Corporate training and quality review of new hires on reviewing, analyzing and creating assignments on residential mortgages, and reporting them to appropriate counties as necessary

• 

  M&T Bank

  Aug 2011 - Nov 2012

  Accountant/Financial Analyst I

  * Monitors workflow and ensures work is being completed in accordance with department rules and regulations * Contributes to the resolution of complex research issues and provides support to management as required * Performs a daily review and approval of internal accounts, escalating any discrepancies to management* Performs daily, weekly or monthly department reporting assignments, including collecting data for management reporting* Identifies opportunities for process improvements and operational efficiencies* Participates in the training of new and current team members, ensuring appropriate Training Plans and Procedures are updated and utilized* Assists with other specialized tasks and projects as assigned within the department Show less

• 

  Arbor Realty Trust

  Jan 2013 - Nov 2022

  *Loan documentation review and interpretation*Identify areas of risk and evaluate long term viability of loans*Responsible for timely fulfillment of investor requirements*Responsible for completing quarterly financial analyses to evaluate project performance and discussion with borrowers concerning any substantial variances noted*Conduct physical property inspections, as required by the investor, in order to evaluate property condition and follow up on any deferred maintenance observed*Complete risk ratings as a means to proactively mitigate potential risk associated with each asset within the portfolio*Prepare action plans on potential high risk loans and report analysis to upper management*Request and review documentation relative to any escrowed reserves including replacement reserves, completion and immediate repairs, capital improvements, re-stabilization reserves, insurance losses, easements, partial releases and any other issues that may arise to determine and recommend release of funds*Internal training of employees on all aspects of Portfolio Management, including both Freddie Mac and Fannie Mae Show less *Financial analysis of project operations*Physical evaluation of properties*Loan document review/interpretation*Reviewing borrower requests, securing complete package of required exhibits and preparation of draw request packages in connection with project improvement funding*File maintenance in compliance with departmental and regulatory mandates*Interaction with borrowers relative to follow up of outstanding information*Timely satisfaction/compliance with investor (contractual) requirements of loan management functions*Assist portfolio management team on departmental projects Show less

  • Portfolio Manager

    Sept 2014 - Nov 2022

  • Portfolio Management Analyst

    Jan 2013 - Sept 2014
• 

  Grandbridge Real Estate Capital

  Nov 2022 - Feb 2023

  AVP - HUD Asset Manager

  *Accurately and efficiently produce required analyses of operating statements and related financialstatements of commercial income-producing properties and sponsor. Review, correct and approve operating statement analyses.*Perform (or review third-party) property inspections to verify sufficient maintenance of collateral, identify and report life safety issues, and other items of deferred maintenance. Prepare and transmit the resulting reports to the lender in a timely fashion (per lender deadlines). Review, correct and approve the property inspection reports.*Review, process and approve construction loan advances on new construction projects as well assubstantial rehabilitation while monitoring progress to ensuring compliance to HUD’s MAP construction loan administration guidelines.*Analyze, underwrite and make formal recommendations regarding various borrower requests.*Analyze and process and approve borrower requests for releases of funds from various reserve accounts.*Analyze and support the processing and approving of proceeds from complex insurance loss claims. *Assist in the accurate and timely maintenance of the company’s loan servicing system database regarding the loan accounting records, collateral-related and borrower-related records, or other relevant records. Review and approve the related work of members of the department.*Identify and report borrower breaches of loan document requirements.*Analyze asset performance and make recommendations to management in the loan risk grading process, and the “watch list” maintenance process. Participate in presenting new grade recommendations to management.* Supervise and train Asset Analysts in the performance of their respective duties.* Assist management in the implementation of process improvement measures.*Assist management in ensuring regulatory and contractual compliance within the department. Show less

• 

  Greystone

  Feb 2023 - now

  * Carry out leadership responsibilities for an assigned team of Asset Management professionals while also promoting best practices.* Hire, train, and mentor a team of Consent Asset Managers and Analysts with varying levels of experience in multiple office locations.* Create and conduct training sessions and procedures to ensure consistency and quality for both external guidelines and internal processes.* Develop rapport with Investor counterparts to ensure compliance with Servicing Guide requirements.* Troubleshoot, formally review, and personally carry out rotating deliverables.* Work with an assigned team of Asset Managers and Analysts to ensure that Borrower requests for Lender Consent are appropriately considered and processed so as to protect the Borrower, Investor, and Greystone.* Demonstrate expertise on both Investor guidelines and internal procedures to effectively communicate requirements to team members.* Step in as needed to facilitate broader group for pressing deliverable cycles and evolving policies.* Act as a resource for other team members, as well as serve as a mentor for new team members of all levels.* Be instrumental in the generation, development, and implementation of process or procedural improvements. Show less * Perform leadership responsibilities as requested by senior management with respect to representing consent related matters to investors (as required)* Other responsibilities include: lead tutorials on asset management procedural content to other team members* Work closely with authorized borrower personnel, investors, asset managers and senior management to obtain documentation needed to assist in the preparation of risk memos* Interact and conduct meetings with legal counsel, and interaction with borrowers and investors* Prepare risk memos to provide recommendations for review and approval * Other responsibilities include preparing assumption packages, hedge notification letters, hedge replacements, LOC renewals, and collection of consent fees for the team* Navigate special projects as assigned with minimal oversight Show less

  • Assistant Manager, Consents

    Mar 2024 - now

  • Team Specialist, Consents

    Feb 2023 - Mar 2024