Frank Chandler Email & Phone Number

Houston, Tx, Us

Houston, Tx, Us

Shreveport-Bossier City Area

-Real Estate Portfolio Creation and Financial Management-AirBnb Portfolio Creation and Financial Management-Corporate Property Leasing and Financial Management-Vehicle Leasing through the application TURO and Financial Management-Amazon Fulfillment Sales online and Financial Management-Roofing Sub-Contracting Operations and Financial Management

Pittsford, Ny

• Underwrite and Review Commercial Credits / Relationships of $500M - $30MM• CRE, Investment RE, and C&I deals• Worked with Lenders to structure deals• Tax Return and Financial Statement Analysis used to compile Global Cash Flow• Utilized underwriting software for financial spreads – Optimist• Prepare Loan Memoranda for $8MM+ deals for Board of Directors

Tampa/St. Petersburg, Florida Area

• Able to Refer Clients to Focused, Intelligent Agents in Florida – Commercial + Residential

Tampa/St. Petersburg, Florida Area

• Underwrite Mid - Large Commercial Real Estate and Investment RE Deals from $5MM - $44MM• Underwrote Multiple REIT Portfolio Purchases of $30MM-$44MM• Underwrote $130MM+ in Real Estate Transactions during tenure• Underwrite Mid - Large Commercial & Industrial Requests as needed• Portfolio Analysis and Review• Work with International Clientele Risk Profiles utilizing Foreign Tax Returns, Translation, Thomson Reuter’s Reports, etc.• Tax Return and Financial Statement Analysis used to compile Global Cash Flow• Utilized and helped develop alongside the Six Sigma Analyst and Developers proprietary underwriting software for financial spreads

Austin, Texas

Middle Market Banking• Prioritize Pipeline Workload and allocate Deals to Analysts• Supervise and Mentor Credit Analysts in the Central Texas Region of all experience levels with the goal of transitioning them to be Commercial/Corporate/Private Lenders• Underwrite Loan Facilities for Executive Committee and Holding Company level• Credit Analysis of CRE, C&I, Corporate, Private Banking, CLO’s, Loan Purchases, Participation, and Investment oriented facilities between $10MM - $150MM.• Heavy Healthcare, MOB, Hospitality, Investment CRE, Development RE, Equipment, Large Collateralized LOC’s, Corporate Re-Capitalization, Apartments; some Non-Profits• Interview and recommend potential Analyst Candidates• Met with Lender, Management, and Clientele to Structure Deals• Portfolio Review and Covenant Compliance Review• Review contracts, appraisals, deeds, partnership agreements, complex loan agreements, Phase I & II Environmental Studies, Title Policies, etc.• Analysis of Company Financial Statements and Tax Returns for complex Multi-Entity Scenarios• Tax Return and Financial Statement Analysis, Ratio Analysis, Margin Analysis, Pro-Forma Analysis, Borrowing Base Analysis, Cash Flow Analysis, Liquidity Analysis, Capitalization Structure Analysis, etc.• Production of in-house and Interpretation of Third-Party Real Estate Economics Studies for Greater Austin, San Antonio, and Dallas markets• Work with Executive Management to coordinate Workflow Policy, Loan Policy adherence and Policy Development• Utilized underwriting software for financial spreads – CASH

Lubbock, Texas

• Underwrite and Review CRE, C&I, and Agricultural Loans for Executive Loan Committee Approval• Analyze booked commercial credits financially, collateral-wise, determine current and future performance, determine loan covenant compliance, guarantor capacity, and relationship analysis• Assign classifications to relationships and comprise credits for Watch List• Portfolio monitoring of large bank assets• Presentation of Watch List (PAR’s) to Executive Management• Divesture and Sale of large, foreclosed bank assets in whole or in piece meal – Real Estate• Analysis of Company Financial Statements and Tax Returns for Multi-Entity Scenarios• Ratio Analysis, Margin Analysis, Pro-Forma Analysis, Borrowing Base Analysis, Cash Flow Analysis, Liquidity Analysis, Capitalization Structure Analysis, etc.• REO Portfolio Management• Review Real Estate Valuations• Review contracts, deeds, partnership agreements, loan agreements, Phase I & II Environmental Studies, Title Policies, etc.• Meet with Lender, Management, and Clientele to Structure Deals• Work-out Scenarios / Mediation with Troubled Client Situations• Train incoming Loan Review Analysts• Utilized underwriting software for financial spreads – CASH

Lubbock, Texas

• Underwrite Collateralized and Uncollateralized Consumer Loans of all types• Underwrite Home Equity, Home Improvement, and HELOC Loans of all sizes• Stock secured, yacht, aircraft, recreational boats and vehicles, conventional and collectible cars, show animals and thoroughbreds, CD secured, unsecured, etc.• Determine viability of Valuations of Real Estate Collateral, as well as Title and Deed accuracies• Negotiate application process among Lenders, Title Companies, Appraisers, Brokers, etc.• Initiate and ensure completion of proper Loan Documentation within Regulations• Ensure Liens were perfected• Train Loan Processor

Bachelor'S Degree, Finance And Economics - Double Major, 3.4 Gpa

Activities and Societies: Golden Key Honor Society, Beta Gamma Sigma - Business Honor Society, Sigma Iota Epsilon - Management Honor.

Business Administration And Management, General

Activities and Societies: Pi Kappa Alpha - Fraternity Core Courses and Beginning Business Courses taken