Helen Hernandez Email and Phone Number

Manage a staff of 8 specializing in special asset's, processing foreclosures, third party note sales, short sales and discounted payoffs.

Manage a commercial real estate construction portfolio of participations and syndicating loans totaling $800 million

 Managed a staff of 8 that serviced 19 CMBS loan portfolio’s totaling $12 billion in UPB generating $1mm ± quarterly in fee income enhancing the shareholders value. Created a day to day training manual for new employees. Unsolicited feedback was overwhelmingly positive. Designed a loan advanced template and loan allocation template increasing the process time for loan expenses from external Servicers and accurate system updates for new loan allocations. Assisted in setting up… Show more  Managed a staff of 8 that serviced 19 CMBS loan portfolio’s totaling $12 billion in UPB generating $1mm ± quarterly in fee income enhancing the shareholders value. Created a day to day training manual for new employees. Unsolicited feedback was overwhelmingly positive. Designed a loan advanced template and loan allocation template increasing the process time for loan expenses from external Servicers and accurate system updates for new loan allocations. Assisted in setting up policies and procedures that insured timely and accurate transferring of specially serviced loans. Reviewed and approved letter of credit reductions, construction disbursements, cash management agreements and lease consents to ensure timely funding deadlines. Show less

 Managed a complex, commercial portfolio of performing and non-performing securitized fixed and floating rate loans totaling approximately $73 million consisting of Senior, Mezzanine and Participation debt as required in accordance with the related loan documents and servicing agreements. Established cash management accounts and process funds in accordance with the waterfall of the loan agreement to ensure lenders’ timely receipt of payments.  Proactively monitor and report on loans… Show more  Managed a complex, commercial portfolio of performing and non-performing securitized fixed and floating rate loans totaling approximately $73 million consisting of Senior, Mezzanine and Participation debt as required in accordance with the related loan documents and servicing agreements. Established cash management accounts and process funds in accordance with the waterfall of the loan agreement to ensure lenders’ timely receipt of payments.  Proactively monitor and report on loans designated by investor or servicer as not meeting required surveillance standards including at-risk or watchlist loans in order to mitigate portfolio risk. Calculated loan prepayments to ensure compliance with loan documents and lender/investor requirements and remit anticipated cash flows. Prepare detailed case plans related to borrower loan requests including modifications, workouts, construction draws or reserve fundings, lease consents, parcel releases, and maturity extensions. Frequently assist in the analysis of insurance certificates and taxes related to the commercial property to ensure lender protection. Initiated direct conference calls with rating agencies and the Wall Street issuers and lenders to respond to and successfully resolve issues or concerns. Show less

 Prepared business case plans to present to upper management for maturity extensions to include financial analysis resulting in performing loans.  Compiled loan data for department reports allowing loan officer to monitor delinquencies.  Engaged legal counsel for loan officer as required in coordinating the successful loan renewals for non-performing assets. Provided assistance to a loan officer on reconciliations and day-to-day administrative and operational problems. Set… Show more  Prepared business case plans to present to upper management for maturity extensions to include financial analysis resulting in performing loans.  Compiled loan data for department reports allowing loan officer to monitor delinquencies.  Engaged legal counsel for loan officer as required in coordinating the successful loan renewals for non-performing assets. Provided assistance to a loan officer on reconciliations and day-to-day administrative and operational problems. Set up new loans on loan system assuring accurate loan terms. Implemented and revised existing loan forms which improved data processing input. Maintained ARM loans and verified timely rate changes to proved accurate billing statements. Handled participation payments ensuring timely and accurate remittance to all participants. Recreated loan histories to ensure accurate loan information providing timely corrections of any misapplications. Show less