David A. Krebs Email & Phone Number

🔹 Company Overview:As the Principal Broker at DAK Mortgage in Miami, I specialize in delivering tailored residential and commercial loan solutions for the Miami and broader South Florida market. With nearly 20 years in the industry, I navigate the intricate lending landscape with finesse.🔹 Role & Responsibilities:● Client Consultation: Understand clients' financial and property aspirations in the Miami and broader South Florida market.● Loan Analysis & Origination: Evaluate and oversee loan processes.● Credit Analysis: Assess client creditworthiness and recommend suitable loan terms.● Alternative Lending: Offer non-traditional lending options.● Relationship Building: Foster connections with industry stakeholders in Miami.🔹 Story:Every client is a unique financial puzzle. From self-employed individuals to real estate investors and foreign nationals, I craft the best financial solutions in South Florida.🔹 Achievements & Impact:Proud of my track record in Miami, I've secured loans for clients facing rejections elsewhere, earning 5-star reviews and building lasting professional relationships.🔹 Expertise:● Residential & Commercial Loans in Miami● Alternative Lending Solutions● Loan Origination & Underwriting● Credit Analysis & Portfolio Management🔹 Connect:In the dynamic South Florida market, every 'no' from a bank is a new opportunity. Let's explore how I can guide you to your financial solution.

Miami, Fl, Us

🔹 Role Overview:At TotalBank, I served as an Assistant Vice President and Senior Credit Analyst, specializing in the analysis and underwriting of commercial real estate and credit facilities in the Miami and broader South Florida market.🔹 Responsibilities:Conducted meticulous financial statement analyses, assessed projections, ensured strict adherence to lending guidelines, and adjusted underwriting approaches based on Miami market conditions.🔹 Achievements & Impact:My deep understanding of appraisal practices led to comprehensive evaluations. I played a pivotal role in shaping the company's prudent lending practices.🔹 Growth & Learning:Interacting with senior management expanded my knowledge of credit decisions. This role honed my credit analysis skills and deepened my understanding of commercial real estate in South Florida.🔹 Challenges & Solutions:Faced challenges in adapting to rapidly changing market conditions in Miami. Implemented data-driven strategies and collaborated with teams to ensure consistent and effective underwriting practices.🔹 Expertise:Commercial Real Estate Analysis in Miami, Financial Statement Analysis, Credit Underwriting, Risk Assessment in South Florida.🔹 Transition:This role paved the way for my current position as a Principal Broker at DAK Mortgage, allowing me to leverage my expertise in credit analysis and commercial real estate in the dynamic South Florida market.

Fort Lauderdale, Fl, Us

🔹 Role Overview:At Landmark Bank N.A., I managed a significant $147M USD loan portfolio, evaluating loan requests and identifying loan policy or documentation exceptions.🔹 Achievements & Impact:I played a key role in reviewing and risk rating an $80M USD FDIC-acquired institution loan portfolio. My preparation of loan presentations, enriched with market research data and insights on credit strengths and weaknesses, consistently led to successful loan approvals from the Loan Committee.🔹 Responsibilities:Collaborated closely with loan officers to determine loan structures and covenants. Acted as a liaison between appraisers and loan officers, ensuring a seamless flow of information and upholding appraiser independence.🔹 Expertise:My core skills include Loan Portfolio Management, Risk Assessment and Classification, Credit File Maintenance, Loan Policy Compliance, and Appraisal Process Management.🔹 Transition:The expertise and experience I acquired at Landmark Bank N.A. have been pivotal in my growth within the lending industry, especially in my present role as Principal Broker at DAK Mortgage.

Chicago, Il, Us

🔹 Role Overview:At Morningstar, I was deeply involved in the quantitative and qualitative analysis of portfolios worth $30B USD, performing comprehensive property and loan level analyses.🔹 Achievements & Impact:I consistently executed 2800 property and loan level analyses monthly, focusing on key determinants such as operating cash flow, creditworthiness, tenant base, property condition, and market performance. My mark-to-market valuations, derived from scrutinizing portfolios and ratings reports, played a pivotal role in assessing the creditworthiness of bonds issued on CMBS.🔹 Responsibilities:I was responsible for detailed surveillance, analysis, and reporting on CMBS transactions. This encompassed potential default/loss scenarios for underlying loan collateral, Debt-Service Coverage Ratio (DSCR) trends, and overall pool performance. Additionally, I identified risk factors to gauge exposure within the CMBS pools and loan portfolios.🔹 Expertise:My core competencies include Portfolio Analysis, Property and Loan Level Analysis, CMBS Creditworthiness Assessment, Risk Identification and Management, and Client Communication.🔹 Transition:The skills and insights I garnered at Morningstar have been instrumental in my growth within the financial services sector, particularly enriching my role as Principal Broker at DAK Mortgage.

Greenwich, Ct, Us

🔹 Role Overview:At LNR Property LLC, the largest commercial mortgage special servicer, I was entrusted with managing a portfolio worth $1.5B USD and played a pivotal role in resolving over $750M USD in distressed CMBS debt.🔹 Achievements & Impact:I took the lead in enhancing the loan/asset servicing cycle for intricate non-performing loans. My responsibilities spanned collections, receipts processing, escrow/reserve administration, payoffs, loan modifications, and note sales.🔹 Responsibilities:I provided clear direction to master servicers and subservicers, ensuring the accurate application of payments. This covered escrow disbursements, escrow analysis, property protection advances, and all loan-related matters. I maintained strict adherence to pooling and servicing agreements, especially concerning fee payment distribution and allowable charges.🔹 Expertise:My core competencies encompass Portfolio Management, Debt Resolution, Loan Servicing, Escrow Management, and Compliance.🔹 Transition:The comprehensive skill set and insights I acquired at LNR Property LLC have significantly influenced my current role as Principal Broker at DAK Mortgage. Here, I consistently navigate intricate loan scenarios to provide the best solutions for my clientele.

Coral Gables, Fl, Us

🔹 Company Overview:Bayview Asset Management is a full-service mortgage finance company that specializes in catering to under-served areas of the real estate markets. The company offers a broad spectrum of products and services, including top-tier residential and commercial special servicing, as well as residential and commercial mortgage and securities investing.🔹 Role Overview:I was entrusted with the management and resolution of a portfolio valued at $30M USD in delinquent Mortgage-Backed Security (MBS) loans. This diverse portfolio comprised residential, small-balance commercial, and large-balance commercial assets.🔹 Achievements & Impact:I took charge of the entire spectrum of servicing the delinquent portfolio. My responsibilities extended beyond management and resolution; I conducted in-depth financial analyses, including underwriting, due diligence, and evaluations of sell/hold options. Through strategic loss mitigation strategies, I successfully transformed non-performing assets into performing ones.🔹 Responsibilities:My role involved underwriting and converting non-performing assets based on the most effective workout strategy and the financial viability of customers. Collaborating with legal counsel, I addressed lien and title issues and prepared foreclosure bids when required.🔹 Expertise:My core competencies at Bayview encompassed Portfolio Management, Financial Analysis, Risk Mitigation, Loan Underwriting, and Legal Coordination.🔹 Transition:The multifaceted experience and skills I acquired at Bayview Asset Management have been instrumental in my current role as Principal Broker at DAK Mortgage. I persistently apply my expertise in managing intricate portfolios, executing detailed financial analyses, and underwriting loans to provide the best solutions for my clients.

Us

🔹 Company Overview:American Home Mortgage is a prominent real estate investment trust that specializes in prime and near-prime loans. The company has a reputation for its expertise in offering a wide range of lending solutions tailored to clients' specific needs.🔹 Role Overview:In my capacity as a Loan Consultant, I successfully originated over $40M USD in new business. My primary focus areas included condo conversions lending and non-warrantable deed financing.🔹 Achievements & Impact:My strong analytical skills, combined with a customer-centric approach, played a pivotal role in assessing clients' qualifications for diverse lending solutions. I provided clients with comprehensive advice on the implications, risks, and advantages of various lending options, ensuring they opted for solutions that aligned with their financial and personal goals.🔹 Responsibilities:My key duties encompassed analyzing financial data to ascertain qualification, recommending appropriate lending solutions, and guiding clients about the implications, risks, and benefits associated with different lending options.🔹 Expertise:My core competencies at American Home Mortgage included Loan Origination, Financial Analysis, Client Counseling, Risk Assessment, Condo Conversions Lending, and Non-Warrantable Deed Financing.🔹 Transition:The multifaceted experience and skills I honed at American Home Mortgage have been instrumental in my present role as Principal Broker at DAK Mortgage. I persistently apply this expertise to assist clients in securing the most suitable lending solutions tailored to their requirements.

San Francisco, California, Us

🔹 Company Overview:Wells Fargo Home Mortgage stands as a multifaceted financial services institution, offering a broad spectrum of services encompassing community banking, wealth, brokerage and retirement, consumer lending, and wholesale banking.🔹 Role Overview:In my unique role as a Renovation Home Mortgage Consultant, I had the distinction of being the sole consultant in the county and one of only three in the State of Florida with a certification in renovation lending.🔹 Achievements & Impact:My specialization in Construction to Permanent Lending, Energy Efficient Mortgages (EEMs), and Energy Improvement Mortgages (EIMs) empowered me to offer distinctive and valuable lending solutions. This expertise catered to customers keen on home renovations or investing in energy-efficient enhancements.🔹 Responsibilities:I orchestrated and oversaw the renovation/construction lending procedures, spanning from loan application to closure and culminating in project finalization. My role necessitated close collaboration with a range of stakeholders, including clients, construction experts, and internal teams, ensuring a seamless and prompt conclusion of all renovation lending operations.🔹 Expertise:My core competencies at Wells Fargo Home Mortgage encompassed Renovation Lending, Construction to Permanent Lending, Energy Efficient Mortgages, Project Coordination, and Stakeholder Management.🔹 Transition:The niche skills and experiences I cultivated at Wells Fargo Home Mortgage have been pivotal in my present capacity as Principal Broker at DAK Mortgage. I consistently leverage my in-depth understanding of renovation lending and energy-efficient mortgages to craft bespoke solutions aligned with my clients' varied requirements.