Frederick Bence Email & Phone Number

Chicago, Illinois, United States

Greater Pittsburgh Region

Pittsburgh, Pennsylvania, United States

Bethel Park, Pennsylvania, United States

Processes credits on potential deals up to $10,000,000 for real estate investment and C&I operating companies, as well as 501(c)(3) non-profits, and local governmentsUnderwrites detailed credit summaries inclusive of a detailed industry, collateral, and financial analysis for HUD, HMDA, and standard term loans, leases and revolving lines of creditPerforms financial analysis based on Borrower’s tax returns, audited statements, and company prepared financialsCalculates various ratios such as current, quick, and leverage Analyzes profitability and cash flow trends to determine whether the Borrower will be able to sustain acceptable debt service coverage over the life of the loanDevelops pro forma stabilization analysis for commercial and residential investment propertiesModifies terms of existing loans and lines of credit with updated analysis based on current market conditionsWorks closely with Loan Officers and Senior Management to ensure loans are processed accurately and in a timely manner Completes annual reviews of Borrower’s financial performance to verify covenant requirementsRetrieves data and Borrower files to meet regulatory guidelines and complete annual Bank auditsReviewed applications and completed loan documentation for Paycheck Protection Program (PPP) Small Business Loans while adhering to government guidelinesUses LaserPro Lending and Phoenix Management Operating Systems to generate loan closing documentationReviews and summarizes commercial and residential appraisal reports Develops property valuations for commercial and residential investment properties via Sales Comparison and Income Capitalization ApproachCompleted the 15-Hour National USPAP Course – focusing on requirements for ethical behavior and competent performance by appraisers that set forth in the Uniform Standards of Professional Appraisal Practices (USPAP)Visits collateral properties with Loan Officers to perform on-site inspections to determine accurate property values

Pittsburgh, Pennsylvania, United States

Processed credits on potential deals up to $5,000,000Pulled Experian and Paynet reports to analyze company payment trendsCreated financial spreads from company balance sheets and P&L statements Calculated various ratios such as current, quick, and leverage ratiosAnalyzed profitability and cash flow trends to determine whether the Borrower will be able to maintain acceptable debt service coverage for the life of the loanWorked with banks to sell multimillion-dollar portfolios Initiated monthly calls to customers to receive late lease paymentsWorked with IT teams to implement and build new ASPIRE operating system for company useResearched future equipment valuations to structure present value of fair market leasesNegotiated end of lease options with customers to maximize profit, including remarketing and selling used equipmentBuilt legal lease contracts for our customersManaged discussions between both our customers and their vendorsProcessed all incoming and outgoing checks Calculated payoffs for leases and loansBooked all leases and loans into our accounting systemFiled and processed payment for sales tax with all 50 states monthly

Pittsburgh, Pennsylvania, United States

Managed approximately 1200 appraisers across 9 statesCounseled appraisers on escalated issues and disciplined accordinglyManaged fees in different markets to help increase profit margin on average 10% in 6 monthsForecasted order capacity for our appraiser panel across the countryBuilt appraiser scorecard in Excel based on the quality of reports and turn time Responsible for managing clients’ appraiser restricted listsRan daily and weekly reports through Excel which were distributed to team members and management team

Warrendale, Pennsylvania, United States

Assisted Cost of Quality analysisOrganized quality costs to increase awareness of unnecessary costsCoordinated meetings to gather costs for the analysisPrepared final report to set a baseline for future analysesWorked with Customer Support Organized SAP Field Service Report errors within spreadsheet—resulted in a 10% improvement over four monthsUsed CS Metrics to address headcount requirements

Greensburg, Pennsylvania, United States

Managed each department on a weekly rotationAssessed the strengths and weaknesses of each departmentPresented opportunities to improve the operation to General Manager and District Personnel Director