Amber Glasco Email & Phone Number

Houston, Texas, United States

• Conduct comprehensive financial analysis and risk assessment for commercial property loan applications, evaluating loans ranging from $9.2 million to $41.7 million, with an accuracy rate of 95%.• Evaluate borrower financial statements, property cash flow, and market conditions to determine creditworthiness.• Provide financing for FHA loans, including 221(d4) for new construction, 223(f) for refinancing, sub-rehabilitation, Low-Income Housing Tax Credit (LIHTC), and Section 8 properties.• Assess appraisals, market studies, Environmental Site Assessments (ESAs), Physical Condition Needs Assessments (PCNAs), and specialty third-party reports relevant to the subject property.• Collaborate with underwriters to analyze and mitigate potential risks associated with commercial loan applications.

• Evaluated and processed commercial loan applications, ensuring 100% compliance with documentation requirements.• Assessed property values and performed market analysis to determine the viability and risk of proposed loans, with an accuracy rate of 95%.• Assisted in the underwriting process by preparing detailed credit memos and risk assessments for commercial loan approvals, supporting underwriters in approving loans.• Monitored ongoing compliance with commercial loan covenants and conditions throughout the loan term, with a 100% adherence rate.

Houston, Texas, United States

• Reviewed and verified 20-30 residential loan applications and documents, ensuring completeness and accuracy in compliance with regulatory standards, including FHA, TX 50 (a)(6), Fannie Mae, Freddie Mac, and HARP Refinances.• Communicated effectively with borrowers to request additional information or documentation, providing regular updates on loan application status.• Ordered, reviewed, and input documents such as tax transcripts, W-2s, tax forms, bank statements, liabilities, title, payoff statements, and tax certificates.• Analyzed customer data to detect patterns and anomalies, preparing detailed reports on compliance findings and recommendations for management.• Conducted quarterly risk assessments on new and existing accounts, identifying and mitigating compliance issues.

Houston, Texas

• Notified Selling Agents/Brokers on winning bids. • Counter offered, rejected, and canceled bids that do not meet HUD’s guidelines.• Evaluated inspections insuring the property meets HUD’s standards before being placed on the market. • Created work orders notifications for properties to be evaluated regarding apparent hazard.