Chris Natale Email & Phone Number

Scottsdale, Arizona, United States

Diversified Commercial Capital is a full-service commercial real estate mortgage brokerage firm in Scottsdale, AZ.We are a national platform focused on real estate debt placement and equity arrangement throughout the full capital stack and across all major asset classes.

Scottsdale, Az

Phoenix, Arizona

BMC Capital is a direct lender and capital markets intermediary. Our capital markets expertise and local real estate knowledge allow us to provide the best capital markets execution to our clients. BMC Capital's services include origination of commercial mortgage loans, bridge lending, mezzanine lending, construction lending, loan assumptions and loan servicing. While BMC is best known for small balance lending, the firm has the capability to finance individual loans up to $100 million. Founded in 1991, the firm has financed billions of dollars of transactions for thousands of customers.

Scottsdale, Az

- Provide support to regional commercial lending teams and regional Credit Administration with expertise in underwriting, structuring, servicing and documenting credit requests. - Thoroughly analyze complex credits with an excellent knowledge of financial accounting, loan structuring, credit grading, and legal issues. - Responsible for identifying, gathering, and analyzing relevant information to assess credit risk, establish viability of sources of repayment, and determine appropriate loan structures to minimize risk while helping to grow the commercial loan portfolio. - Collaborate with bankers and credit officers in preparing credit approval memos that demonstrate well-reasoned analysis and provide recommendations consistent with bank policy.- SME, dental underwriting

Phoenix, Arizona Area

• Managed a portfolio consisting of $75MM in commercial debt instruments• Underwrote commercial debt instruments for potential acquisition on behalf of private equity investors with independently-derived, forward-looking recommendations, including risk factors, asset management strategy, and ROI forecasting• Authored firm-specific Excel template (including pivot tables, vlookup, and macros) for the firm’s due diligence team, which is now an integral part in the investment analysis process• Responsible for deal sourcing, negotiation, underwriting, portfolio and cash flow modeling, debt origination, LTV analysis, cash flow summaries/projections, IRR calculations, sensitivity analysis, and collateral valuation

Scottsdale, Az

• Credit-qualified with a lending approval limit of $750K for loans to high net worth clients• Responsible for ensuring benchmark returns on capital were realized through the calculation and analysis of probability of default, loss given default, and earnings after default.• Partnered with Private Bankers to develop strategic lending plans and customized loans for trust and estate planning purposes. • Summarized underwriting decisions through a comprehensive credit analysis, ensuring compliance with established loan structures, credit limits, regulation, finance, accounting, and risk management policies and implemented updated lending parameters for commercial real estate risk review template• Managed $50MM+ Pledged Asset Loan Portfolio that included monitoring of borrower and guarantor loan covenants

Tempe, Az

• Conducted risk grade assignment, collateral valuation, guarantor review, and covenant compliance audits for a portfolio of more than 160 credit lines with exposure in excess of $50MM• Underwrote unsecured corporate credit lines for small to mid-market businesses applying for Chase Card Services• Analyzed small to middle market companies utilizing corporate financial statements (private and public) to evaluate credit risk

Phoenix, Arizona Area

• Managed complex commercial real estate investments that included a bank portfolio requiring FDIC compliance of loss-share agreement as Special Assets Officer• Mitigated risk by implementing action plans for distressed assets that included lease issues, restructures, forbearances, bankruptcies, legal actions, foreclosures and note sales• Promoted Small Loan Program product to brokers to solicit new business partnership opportunities as a CRE Mortgage Lender• Underwrote $95MM portfolio consisting of income-producing commercial real estate loans nationwide in earlier role as Financial Analyst for the National Income Properties Group• Reviewed loans for status changes and risk changes including risk ratings, impairments, and accrual status

Phoenix, Arizona Area

• Analyzed personal and corporate creditworthiness, audited credit files, cleared loan exceptions, and reviewed loan compliance• Determined loan structure based on credit analysis models and comprehensive financial analysis of single and multi-tenant retail, office, industrial, and multi-family properties

Asheville, North Carolina Area

• Supported team’s management of $1B commercial loan portfolio by analyzing financials, performing projection modeling, and credit risk assessment• Graduated the Management Development Program, a 6-month financially-intensive Commercial Banker training program