Robert Chung Email & Phone Number

Chicago, IL, US

Toronto, CA

• Managed credit underwriting group, assigned new loan requests, reviewed/corrected all credit proposals, and ensured all transactions met the bank’s credit guidelines and policies.
• Led pre-screen meetings on new loan requests and structured loans with the sales team.
• Oversaw and approved new loan requests and renewals.
• Analyzed inspection reports, owner’s sworn statements, contracts, lien waivers, and approved all new construction draw requests.
• Evaluated and provided guidance to the Portfolio Group on renewals, modifications, and deteriorating credits.
• Improved and implemented new underwriting credit risk guidelines/policies to suit bank’s lending platform.

• Spearheaded underwriting an aggregate of $225,000,000 of the $475,000,000 new originations and more complex CRE and C&I credits (included ABL, multi-store franchisee, not-for-profit organizations, and professional.
• Supervised, mentored, and trained new credit analysts in reviewing/analyzing credits, determining borrower qualifications/credit worthiness, and assessing risks/mitigants to loans.
• Created new underwriting templates (PFS Spreads, Guarantor REO Schedules, Cash Flow Sensitivity Spreads) and redeveloped existing templates to improve efficiency and reduce redundancy.

Chicago, IL, US

• Conducted C&I, commercial real estate, and high net worth clients’ loan reviews and bank examination processes: underwriting, credit monitoring, and documentation.
• Verified underwriting analysis and findings to ensure proper credit risk rating and structure in accordance with the bank's risk rating framework policies and procedures.

Chicago, IL, US

• Executed proprietary trades in the energy, soft, and equity commodities in the U.S. and European markets.
• Created customized commodity trading strategy to maximize profit and minimize risk.

Cleveland, Ohio, US

• Prepared and presented underwritings totaling over $300,000,000 bridge and construction loans to senior management. Transactions included high net worth clients, retail, office, industrial, condominiums, and.
• Maintained, managed and monitored the performance of a $250,000,000 portfolio, including preparing loan extension renewals and new lease abstracts/rent rolls, verifying loan covenants, identifying/restructuring problem.
• Initiated due diligence, including personal financial statement analysis, cash flow analysis, and site inspection for proposed loan requests.
• Reviewed and negotiated loan documents with the Closer and outside legal counsel.
• Prepared quarterly portfolio reviews and asset management reports to senior management and credit committee.
• Provided updates and correspondents to the syndication participants.

US

• Prepared and presented underwritings in New York, California, Illinois, and Florida totaling over $200,000,000 in bridge and construction loans, which included multifamily, retail, office, industrial, and condominium.
• Supervised and managed a portfolio valued at $110,000,000.
• Produced quarterly portfolio reviews and generated primary market reviews for senior management.

Norwalk, CT, US

• Underwrote over $1,000,000,000 in structured real estate transactions, which included hotel transactions, tax credit affordable housing, healthcare, and CMBS loans of all major asset classes (included multifamily.
• Directed and executed opportunities to enhance the underwriting process.