Sally Chen Email & Phone Number

Toronto, On, Ca

Toronto, Ontario, Ca

Toronto, Ontario, Ca

Vancouver, Bc, Ca

• Supported closings totalling over USD$1 billion in construction and bridge loans.

Vancouver, Bc, Ca

• Reviewed financing opportunities ranging from USD$30 million to USD$300 million by performing market research, financial analysis, underwriting, risk analysis, climate risk assessment, and leveraging in-house expertise.• Produced 25-page investment recommendation memoranda and commitment letters for direct lending opportunities.• Reviewed loan documents and participated in calls with internal and external counsel to discuss conformance of terms and clauses with the intended investment structure and addressing areas of risk.• Monitored and evaluated investments in portfolios managed by external fund managers.

Victoria, British Columbia, Ca

Secondment

Toronto, On, Ca

• Relationship manager for a commercial mortgage portfolio consisting of a mix of 30 construction and fixed-term loans.• Analyzed credit risk, market conditions, tenancy profile, and cash flow stability of the underlying real estate for new loan opportunities.• Wrote credit applications for new financing requests, loan increase requests, extension requests, assumptions, and status updates on existing construction and term loans.• Facilitated and approved construction draws by reviewing QS reports, engaging solicitors for searches, and instructing the movement of money.• Reviewed and provided recommendations on new financing requests by evaluating the social impact, environmental impact, and credit risk.

Toronto, On, Ca

Formerly known as Citizens Bank (formed in 1997), Vancity Community Investment Bank is a wholly owned subsidiary of Vancouver City Savings Credit Union.

Vancouver, British Columbia, Ca

• Reviewed and performed underwriting on $2 billion+ of financing requests on behalf of institutional investors.• Provided underwriting support throughout the process of securitizing nearly $550 million of commercial mortgages into CMBS. (Collateral: 53 loans secured by 53 properties)• Produced 20+ Asset Summary Reports for the Rating Agency and provided responses to their questions.• Assisted with due diligence exercises on commercial mortgage portfolio purchase opportunities.

Vancouver, British Columbia, Ca

Participated in a rotation program in the commercial mortgage division of the company.1) Risk - Analyst (3 months)2) Servicing (1.5 months) 3) Mortgage Analytics (1.5 months)4) Origination (3 months)5) Commercial Capital Markets (2 months)

Vancouver, British Columbia, Ca

May 2014 - August 2014 and May 2015 - August 2015• Conducted annual risk reviews of various fixed income products secured by commercial real estate using a variety of predetermined quantitative and qualitative factors• Critiqued the operating data of the subject properties through comparison of valid and timely market data and reports, adjusting figures in a normalized scenario based on the unique attributes of each property• Completed a special project of uploading qualitative and quantitative data on 250 mortgage loans onto a Sharepoint system within a 2-month period• Assisted with the preparation of the quarterly commercial mortgage commentary

Bachelor Of Commerce (B.Com.) With Honours, Finance

June 2019