Michael Cordero Email & Phone Number

San Ramon, CA, US

• Sourced and funding multi-million dollar commercial lending opportunities
• Analyzed financial statements, rent rolls to determine the subject property's financial strength. Developed a financial calculator on Excel to determine cap rate, debt coverage ratio, cash on cash return to underwrite.
• Most recent transactions involved SBA purchases and refinances of owner operated motels
• Identified, evaluated, and facilitated the purchase of commercial real estate
• Due Diligence, analyzed third party appraisals, financials statements environmental reports, land surveys to ensure that the properties were free of potential problems.
• Advanced spreadsheet and presentation skills, both in person and via webinar. Trained dozens of local Realtors on evaluating cash flowing commercial properties by calculating cap rate and net operating income.

San Francisco, California, United States

• Bring new business to the bank and retain existing business, up to $40 million per commercial loan
• Maintain and generate $12 million in annual loans outstanding funded by low-cost deposits to earn an acceptable net interest margin without exposing the bank to unacceptable risks
• New client development, increasing client activity, maintain and managing existing client base
• Portfolio management, credit administration responsibilities

Santa Clara, CA

 Managed the deployment of the company's products and services involving departmental or cross-functional teams focused on the delivery of new or existing products.  Planned, directed and scheduled activities on behalf of the client. Monitored the project from initiation through delivery.  Organized the interdepartmental activities ensuring completion.

Burlingame, CA

Sacramento, California Area