Robert Chung Email & Phone Number

Chicago, Il, Us

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.• Actively participated in credit executive meetings with bank counsel and advised in impairment/charge-off meetings to protect bank's capital and minimize non-accrual loans.• Restructured difficult modifications on deteriorating credits and underwrote complex credit transactions.

• 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 services), initiated due diligence, and presented loan proposals to Executive Loan Committee. • 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 multifamily developments in the Midwest area.• 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 loans, and executing appropriate plans of action to protect bank's collateral.• 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.• Pre-screened broker packages and prepared/structured term sheets for potential deals.• Mentored and trained two portfolio managers in underwriting complex transactions and monitoring complicated loans.

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 developments.• 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, retail, office, industrial, and self-storage)• Directed and executed opportunities to enhance the underwriting process.