KDM Financial is a middle market commercial mortgage lender offering financing from $3,000,000.00 to $70,000,000.00 on commercial real estate including multifamily, mixed-use, office, light industrial, self-storage and warehouse property types. Our low doc program and common-sense approach gives KDM Financial the ability to provide our mortgage broker network an easy to use platform and a borrower friendly program. Our goal is to keep the approval process as simple as possible, from the initial screening to approval and all the way to closing.

Senior loan officer for nationwide mortgage origination division; licensed MLO in 30+ states; originate agency, FHA, VA, Jumbo and conventional loans; previously managed a portfolio of delinquent and non-performing residential loans for asset management division for hedge funds and special opportunity investment funds.

Providing small business owner’s short term financing to acquire real estate, purchase inventory, and rehabilitate income-producing real estate. Assisted all of the company’s clients with situation-specific financial assistance.•Analyze all of the company’s potential borrowers to assess their personal and business cash-flow.•Conduct market analysis for properties of potential borrowers for purchase or refinance.

Entrusted with a multi-million dollar portfolio of high profile delinquent residential loans. Manage foreclosure-alternative resolutions to resolve delinquency, either through home retention or liquidation options for borrowers. Identify solutions based on property value, regulatory requirements, and risk analysis. •Request and analyze the borrower’s financial documents to determine borrowers’ cash flow.•Managing a $36M non-performing residential real estate portfolio while attaining 130% of goal.•Get a better understanding of the borrower’s financial hardships and their ability to repay the loan.•Identify solutions to mitigate losses based -on the borrower’s ability to repay the loan, the property value, regulatory requirements, and investor guidelines.

Responsibilities include working with senior management, relationship managers and credit to originate, monitor and grow the banks commercial relationships. Accountable for credit underwriting, loan origination, portfolio monitoring, loan renewals and annual reviews. Manages and promotes the maintenance of a portfolio that adheres to all applicable credit policies and compliance requirements. Works with clients directly to understand credit needs and represents the bank in developing and maintaining client relationships. Responsibilities also include training, supervision and/or mentoring of analysts or junior portfolio managers. • Makes individual client calls and visits as needed to gain a complete understanding of the financial analysis• Monitors industry trends and analyze specific industry trend data to identify potential areas of risk in the loan portfolio• Monitors and collects past due accounts• Complete annual loan reviews on each credit within the assigned portfolio

Assist Asset Management Team leaders in the reconciliation, analysis and formulation of workout strategies on complex non-performing loans. Act as primary liaison with Master Servicers’ loan servicing area and the asset managers. •Preparing financial analysis, calculations for assumption, defaulted loans and estoppel information for asset managers.•Reconcile outstanding loan discrepancies with Master Servicer, Sub Servicer, LNR’s Accounting and Investor Reporting Departments. •Providing research and support for asset managers, lawyers, borrowers, auditors, and the Accounting Department.•Monitor and distribute funds from Reserve Accounts i.e. Repair Reserve, Loss Draft and Replacement for Reserve Accounts.•Preparation, distribution and monitoring of Officer Certificates and draft requests for timely processing by Master Servicer.

Developed business relationships in Florida and Georgia. Designed and implemented the email marketing campaign for the entire state of Florida and Georgia. Well versed using Interspire Email Marketer. Lead a team of 10 internal sales people covering the states of Florida and Georgia.

 Developed business relationships in the states of Ohio and Kentucky Trained colleagues and clients on the risk analysis of commercial real estate transactions utilizing both the DTI & DSCR formulas Consistently ranked in the top 3 sales people in the company Presented approval packages to loan committee Calculated the subject property’s capitalization rate to determine a realistic value and to gauge the risk associated with the property Reviewed personal and business tax returns to assess where the borrowing entity’s cash flow is coming from and where it is going Handled credit review for commercial real estate transactions

 Maintained the highest sales volume to other lines of business in all of 2004 Exceeded monthly sales goals by at least 15% Helped maintain existing client base by managing their checking accounts and lending relationships Presented approval packages to loan committee Reviewed personal and business financial statements

Organized marketing events.

 Conducted internal branch audits