Eric Yang Email & Phone Number

New York, New York, United States

Brooklyn, Ny

• Underwrite and prepare credit write-ups of commercial real estate loans secured by various property types such as retail, office, community facility, and multifamily buildings.• Analyze and review borrower/guarantor’s financial statements, tax returns, rent rolls, leases and credit report to evaluate the financial strength of the deal. Additional underwriting due diligence includes but not limited to cash flow analysis, breakeven analysis, and stress testing of property’s… Show more • Underwrite and prepare credit write-ups of commercial real estate loans secured by various property types such as retail, office, community facility, and multifamily buildings.• Analyze and review borrower/guarantor’s financial statements, tax returns, rent rolls, leases and credit report to evaluate the financial strength of the deal. Additional underwriting due diligence includes but not limited to cash flow analysis, breakeven analysis, and stress testing of property’s vacancy/collection loss, operating expenses and interest rate. • Analyze third party reports such as appraisals, environmental reports and public sources to determine non-financial risks.• Provide recommendations for deal structuring and work with the loan originators/relationship managers to provide clients with favorable loan terms while adhering to Bank’s credit policy standards. • Manage existing commercial loan portfolio through credit review and portfolio management with up to date periodic review, site inspections, financial statement collection, and post-closing follow-up. • Prepare monthly reports summarizing the Bank’s asset quality, including year-end projections on adversely classified loans. Show less

New York, Ny

• Reviewed and updated the Bank’s Credit Risk Management, Allowance for Loan and Lease Losses (ALLL), and Workout policy annually.• Prepared the ALLL report package quarterly, including ASC 310 impairment analysis. • Reduced the Bank’s adversely classified assets through loan sales and renegotiations with clients to maximize recovery.• Standardized asset quality reports and developed new Board reports to summarize the Bank’s loan portfolio. These new reports monitored key credit… Show more • Reviewed and updated the Bank’s Credit Risk Management, Allowance for Loan and Lease Losses (ALLL), and Workout policy annually.• Prepared the ALLL report package quarterly, including ASC 310 impairment analysis. • Reduced the Bank’s adversely classified assets through loan sales and renegotiations with clients to maximize recovery.• Standardized asset quality reports and developed new Board reports to summarize the Bank’s loan portfolio. These new reports monitored key credit risk metrics such as payment trends, asset quality, and loan portfolio drill down to monitor concentrations of credit in an effort detect early deteriorations of credit.• Primary contact for consultants, auditors, and examiners with respect to the Bank’s Credit Risk Department and Commercial Lending Department for independent loan reviews, internal audits, financial statement audits, and regulatory examinations. Show less

•Review and extract data from U.S. and international loan credit agreements for the Leveraged Finance Analytics (LFA) project, which involves close collaboration between U.S. and offshore teams to aggregate key loan information for ratings analysts.•Verify the accuracy of data extracted from complex recovery ratings templates to ensure that correct data is uploaded to the LFA database for recovery analyst use.•Perform User Acceptance Testing (UAT) for LFA development to ensure the new… Show more •Review and extract data from U.S. and international loan credit agreements for the Leveraged Finance Analytics (LFA) project, which involves close collaboration between U.S. and offshore teams to aggregate key loan information for ratings analysts.•Verify the accuracy of data extracted from complex recovery ratings templates to ensure that correct data is uploaded to the LFA database for recovery analyst use.•Perform User Acceptance Testing (UAT) for LFA development to ensure the new product is ready for production.•Introduce new techniques to improve the data review process to improve efficiency and accuracy during quality checking.•Prepare procedural documents to assist in the training of other database users. Show less

· Maintained a data input accuracy rate of 99.5% compared to the standard of 98.5%· Exceeded client's work demands by complete work assignments ahead of schedule· Organized team building exercises such as pot lucks and ice breakers to introduce employees and improve team dynamics· Adhered to departmental specifications and procedures in the safe handling of highly confidential documents

· Implemented new methods to effectively and efficiently reduce truck unloading times· Assisted store manager in developing plans to prevent inventory shrinkage by performing accurate cycle counts and deterring theft from employees and customers· Worked with employees from other departments through "planogram" projects· Handled inventory, merchandising, product replenishment, shipping, receiving, and other warehouse duties

· Initiated and implemented a plan with the office manager to convert the office filing system from paper to electronic filing to increase efficiency· Maintained strong relationships with clients by contacting them in regards to any major policy changes and discussed available solutions to the changes· Provided reliable insurance information to satisfy customer needs

Master Of Science (Ms), Accounting

B.S. In Business Administration, Registered Accounting Program