I am a dedicated and highly analytical finance professional with over 15 years’ experience in banking, commercial property, and securitisation with a number of leading European institutions.Through professional experience and solid education, I have proficient knowledge in all aspects of financial and risk analysis, real estate investment, direct lending, financial underwriting and servicing, distressed debt, and performing/non-performing debt.In each of my professional roles, I have been successful in producing positive results and have a history of advancing company goals. I possess excellent risk awareness that enables me to manage company exposure whilst optimising market opportunities. I am a proven leader with the ability to manage, motivate, and develop teams of staff to achieve their potential and deliver excellent levels of performance. I excel at building relationships with high-profile customers, and developing expert strategies to maximise financial outcomes.I have extensive experience of the European market, coupled with fluent language skills in English and German, and a commitment to building strong cross-business relationships to deliver a consistently outstanding service. KEY SKILLS• Professional Expertise: 15+ years customer / client facing experience in banking, commercial real estate finance, securitisation as well as debt and asset management across Europe with leading institutions in this sector.• Communication: Good listener with an understanding for the needs of the finance business. Clear, concise and fact based communication style internally and externally to ensure an efficient workflow. Encouraging and considering other viewpoints and drivers when deciding course of action. Good mediator when conflicts arise.• People Management: Self-motivated individual that can pass on the passion for the real estate finance business. Encourages new ideas and promotes individual ambition as well as team spirit.
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Portfolio Management/Asset Origination/UnderwritingRothesay Life Sep 2019 - May 2022London, United Kingdom -
Senior Asset ManagerMountstreetgroup May 2016 - Sep 2019London, United KingdomPrimary and Special Servicing of Pan-European Real Estate PortfolioMonitoring of international EUR 1.5bn portfolio of senior and mezzanine debt positions. Delivering expert recommendations and robust decisions on approval requests for cash disbursements, property operating budgets, capital expenditure, lease agreements, and property sales. Working across various asset types, including office, residential, health care, hotels, student housing, warehouses, service stations as stabilized assets as well as through the development phase.Key relationship manager to Lenders and Sponsors.Strong documentation knowledge and negotiation skills leading to robust decisions when dealing with covenant tests, waivers and amendments and presentation to deal committee for approval.Significant deal management experience in particular knowledge of the issues associated with distressed credits (e.g. standstills, lock-up letters, restructurings, enforcement) and necessary structural changes.Sound knowledge of front to back loan processes, involving the underwriting and loan closing, surveillance and portfolio management, the role of facility and security agent as well as leading the default and restructuring processLiaising with external counsel as well as stakeholders to drive best in class debt asset management.Work-Out of international EUR 100m portfolio of securitised commercial real estate distressed debt.Presenting papers to the Credit Committee.Key Accomplishments:• Brought new clients (Borrowers as well as Lenders) on board to service their debt positions• Successful Work-Out of distressed commercial real estate portfolio in the Nordics• Building key competence in NPL finance • Driving decisions on waivers, amendments and covenant breaches whilst maintaining a cooperative relationship with the sponsors -
Senior Portfolio Manager - Primary And Special Real Estate Loan ServicingHatfield Philips International (Now Situs International) Jun 2010 - Apr 2016London, United KingdomPan-European Real Estate DebtMy role involved delivering expert advice and consultations to Private Equity clients throughout the underwriting phase, transfer process, and work-out of loan sales and NPL portfolios. I monitored and managed securitised and non-securitised structured debt/NPLs. I analysed the loan / portfolio performance as well as documentation to make sound decisions on approval requests on covenants test, waiver and amendment requests and any required structure changes. Key accomplishments include:• Securing new high-profile clients and completing seamless project onboarding.• Improving workflows, processes, and information quality by leading communication with securitisation parties.• Achieving 95% audit compliance for servicing loans against agreement terms.• Training and developing staff in London and HPI Frankfurt Offices to optimise individual capabilities. • Guiding, coaching and mentoring Asset Management Team to ensure full compliance with loan agreement terms. • Attaining 100% timely and accurate calculation and distribution of funds when preparing interest, redemption, and liquidation statements, and settling treasury close outs.
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Senior Asset Manager - Securitisation - European Cmbs Loan ServicingHatfield Philips International (Now Situs International) Jun 2005 - May 2010London, United KingdomPan-European CMBS I oversaw an international EUR 4Bn portfolio of conduit, securitised, and mezzanine debt, plus equity positions. I provided expert recommendations and robust decisions on approval requests for cash disbursements, property operating budgets, capital expenditure, lease agreements, waivers, amendments and property sales, and also presented papers to the Credit Committee. Key accomplishments include:• Leading and performance managing a team of six Asset Managers and Analysts. • Establishing practical structures/covenants for 95% of deals that supported and advised the bank originator when preparing new securitisations. • Building strong Borrower relationships and improving quality of information obtained from customers and third parties.• Achieving 100% accurate and on-time calculation of waterfalls and distribution of funds.• Securing100% hedging risk compliance monitoring interest rate risk, treasury close-outs, and rolling of swaps. • Producing high-quality investor and rating agency reports within strict timescales.• Completing all internal/external audits with 95% compliance for monitoring all loan/securitised document covenants.
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Senior Credit Analyst Commercial Real Estate FinanceMuenchener Hypothenkenbank Eg Jun 2004 - May 2005Munich Area, GermanySourcing, analysis and monitoring of Pan-European Commercial Real Estate Finance.Assisting Head of Department to establish team for origination and risk control of commercial real estate debt.
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Senior Credit Analyst Commercial Real Estate FinanceHypovereinsbank - Unicredit Bank Ag Jul 2000 - Jun 2003Munich Area, GermanyPan-European Commercial Real Estate Finance.Sourced, analysed, and structured commercial real estate deals across Germany/Europe, for stabilized assets as well as property developments. Collaborated with dealmakers to produce underwriting cash flow models/structured deals to mitigate risks and recommended quality deal strategies to Internal Deal Committee.Ongoing monitoring of underwritten deals/portfolio surveillance. Minimised the bank’s risk profile and maximised returns by underwriting only optimum deals, and completed market studies and valuations to identify and evaluate relevant risks.Key accomplishments include:• Passing all internal and external audits with 100% result.• Achieving all targets for new underwriting business. -
Post Graduate Training Programme & Junior Credit AnalystHypovereinsbank - Unicredit Bank Ag Jul 1999 - Jun 2000Munich Area, Germany -
Apprenticeship In Banking, Financing And EconomicsHypovereinsbank - Unicredit Bank Ag Sep 1989 - Jan 1992Regensburg Area, Germany
Anita B. Education Details
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Msc Real Estate, University Of Greenwich/Gb-LondonReal Estate -
Immobilienfachwirt -
Bankfachwirt
Frequently Asked Questions about Anita B.
What is Anita B.'s role at the current company?
Anita B.'s current role is Portfolio Management/Asset Origination/Underwriting at Rothesay Life.
What schools did Anita B. attend?
Anita B. attended Msc Real Estate, University Of Greenwich/gb-London, Immobilienfachwirt, Bankfachwirt.
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