▪ Originated, underwrote, and closed Community Reinvestment Act (CRA) eligible tax credit equity investments involving federal Low Income Housing Tax Credits (LIHTC), state LIHTC, energy tax credits, and tax-exempt bonds▪ Established and maintained active relationships with for-profit and non-profit real estate developers▪ Negotiated term sheets, partnership agreements, loan agreements, and ancillary project documents with developer clients▪ Prepared financial projections, performed due diligence, identified risks, drafted approval memoranda, and obtained approval for direct, indirect, and secondary-market LIHTC investments▪ Determined and recommended appropriate risk mitigating structures to senior management and credit officers aligned with IRS Section 42 LIHTC regulations, bank policies and investment standards▪ Performed sponsor analyses of developer, general contractor, property manager, and LIHTC equity syndicator partners▪ Managed counsel, third-party consultants, and internal document administration and compliance processes▪ Collaborated with internal and external construction and permanent lender partners to structure project financing▪ Worked with asset management to ensure projects and sponsors are performing as agreed

▪ Participated in a five month advanced credit training program to enhance credit underwriting, client relationship management, and business development skills▪ Performed credit analysis including: quantitative risk assessment, financial statement analysis and projections, industry and business risk evaluation, management assessment, and loan structuring

▪ Supported four senior relationship managers with a workout portfolio consisting of 100+ direct and indirect debt and tax credit equity commitments to for-profit and non-profit real estate developers▪ Provided support with credit underwriting, projections, sensitivity analysis, presentation, and booking of workout strategies for multifamily, office, retail, and for-sale developments utilizing Section 42 Low Income Housing Tax Credits (LIHTC), New Market Tax Credits (NMTC), tax-exempt bonds, state and local subsidies, Section 8, and various HUD programs.▪ Managed a $43MM, 13-loan portfolio including customer interfacing, underwriting, servicing, and preparation of QSRs, risk ratings, CRE Change forms, FAS 114 models, SOP attestations, project summaries, and risk profile memoranda ▪ Assembled entire CLI division's loan loss forecasts and prepared monthly projection reports for Wholesale Credit▪ Prepared monthly workout exposure and deal progress summaries in addition to various ad-hoc reports and presentations relied upon by senior management, RAR, and SLST and CLI senior credit officers▪ Served as group’s sole Financial Analyst for 15 months and assisted in training new full-time credit analyst

Treadstone Housing is a boutique commercial real estate consulting firm with institutional investor and private developer clients specializing in structuring complex acquisition, refinancing, new construction and rehabilitation transactions across the United States. Highly-skilled in affordable housing with considerable experience in the repositioning of Section 8 preservation and LIHTC multifamily properties.▪ Structure and underwrote multifamily affordable housing developments utilizing LIHTC, tax-exempt bonds, state and local subsidies, Section 8, and various HUD programs [i.e. Section 8, 202, 221(d)(4), 223(f), 236 IRP decoupling]▪ Constructed complex Microsoft Excel models to determine project feasibility, including: capital sourcing, costing, operating expense analysis, and capital funding in order to optimize investor yield and GAAP returns▪ Assisted with creation of proprietary model used to analyze LIHTC investments▪ Prepared grant, bond, and LIHTC applications to the Federal Home Loan Bank (FHLB) of Seattle and state housing agencies, including: CTCAC, CDLAC, IHDA, MBOH and THDA▪ Managed third-party consultants including but not limited to legal, architecture, environmental, engineering, title, survey, and appraisal▪ Facilitated project closings through the coordination of deal calls, correspondence, and flow of due diligence materials amongst developers, investors, and lenders▪ Conducted construction period asset management, audits, and prepared final applications to housing agencies▪ Gathered community support for preservation projects through neighborhood meetings and direct communication with community officials, service organizations, and major employers

Seastar Communities is a residential development group targeting raw land for acquisition, entitlement and development of single-family, multifamily and mixed-use projects throughout the Western United States.▪ Supported acquisition team during feasibility studies, underwriting, and financial modeling▪ Identified potential lenders and facilitated the application and approval process for acquisition loans▪ Acted as investor relations liaison to foreign and domestic investment firms▪ Coordinated consultants during the entitlement phase of land development projects including but not limited to architectural, CFD, legal, political, environmental, engineering and planning▪ Managed construction phase purchasing and contract administration through direct subcontractor negotiations, contract drafting and editing▪ Administered construction loan draw processes in coordination with lenders▪ Performed bookkeeping and managerial accounting tasks in a 10+ entity/project environment which included significant inter-company transactions and monthly financial report preparation for private and institutional investment firms