Corey Marino Email & Phone Number

Professional Highlights:  Strong real estate underwriting experience across all product types including small and large commercial real estate development and term deals, homebuilder finance, subscription lines and syndicated facilities.  Substantial Real Estate Industry network in the San Francisco - Bay Area, Southern California, and Seattle.  Gained superior understanding of credit risk/strength and ability to anticipate and mitigate risk exposure to bank through duties as a Credit Analyst. Software Proficiencies: Microsoft Office Suite – primary focus on Word and Excel, Salesforce, Moody’s, RIMS, Costar, Zonda, Argus

Listed skills include Real Estate Financing, Financial Services, Microsoft Excel, Powerpoint, and 2 others.

• 

  Commercial Real Estate Investment Banking Division- Senior Credit Analyst

  City National Bank

  2017 - Present - San Francisco Bay Area

  •Primary support to relationship managers to originate, structure and negotiate new debt transactions with private and public REITs, private real estate companies, and regional developers.•Manage originations pipeline and client prospects in addition to portfolio management oversight including: construction draws and progress, lease review, operating performance, and guarantor financials review.•Integral member of a committee tasked to create a standardized underwriting process. •Completed comprehensive detail analysis in the underwriting of commercial real estate debt across major asset classes as follows:- Evaluate ownership structure, fund and organizational documents, seismic reports, title & survey reports and operating and capital expenditure budgets (both historical and projected).- Analyze borrower and guarantor financial statements and comprehend intended investment strategy.- Underwrite and sensitize pro-formas for repayment analysis, loan sizing, and covenant structuring.- Analyze tenant credit, underwrite and abstract leases, negotiate SNDAs, review construction cost and feasibility reports, appraisals, and environmental reports.- Review and summarize legal documents such as loan, development, construction, and management agreements.- Ensure seamless coordinated execution of loan requests with product partners (loan administration, credit, counsel and third parties) and liaise with clients regarding any outstanding items required for timely close.- Created compliance tracking process to monitor timely reporting for the Northern California region.