Howard Kramer Email & Phone Number

Marietta, Georgia, United States

• Hired at onset of the pandemic to do forensic reviews and audits of grants made through various programs. Work has included senior analyst and team lead level positions (depending on the project).
• Three years as an analyst/auditor on general SBA programs with a focus on the Covid-19 EIDL and Paycheck Protection programs; this included work as a 2nd level reviewer, team lead and trainer on several projects
• One year working specifically on SBA programs with restaurants, with a focus on the Restaurant Revitalization Fund program; consistently ranked in the top three in production on a team of more than fifty
• Thoroughly familiar with all SBA software platforms and business culture

Atlanta, Georgia, United States

• Originally did work for Angel Oak on a contracting basis. Hired full-time in 2018. Worked for about a year as an underwriting manager for the Prime Bridge group. Furloughed in 2020 due to the pandemic.
• Sr. Underwriter for Mortgage Solutions and Prime Bridge divisions
• Worked as underwriting manager for a time at the Prime Bridge group
• Wrote manual for Prime Bridge to train on the underwriting process compatible with Encompass as well as over a dozen supporting documents
• Trained new underwriters
• Coordinated and prepared major reports

Atlanta, Georgia, United States

• Started as residential real estate underwriter. Finished as team lead for Fix-And-Flip group. Also worked on projects as a commercial real estate underwriter.
• Launched the Fix-And-Flip review group in 2015 and became the team lead of the group in 2016
• Government bond and business lending for Capital One (this was a very atypical project)

Atlanta, Georgia, United States

• Forensic due diligence research on existing loan portfolio for Fannie Mae. Started as reviewer and worked up to senior QC position.
• Began as underwriter. Promoted to QC a few months later and senior QC Analyst in 2012
• Top producer almost every month of employment, with average of six underwritten loans per day or twelve QCd loans per day (received multiple monthly production awards)
• Top three in quality almost every month, with overall lifetime quality score of 97%

Atlanta, Georgia, United States

• Forensic underwriting and due diligence contract work, similar to that done for Warbird Consulting.
• In the aftermath of the financial crisis, worked as a forensic underwriter to determine indications of misrepresentation and fraud in FNMA loans; worked for a series of contracting companies during this period, as well.

Atlanta, Georgia, United States

• Managed and worked on underwriting and due diligence projects for major clients including Bank of America, Capmark, Deutsche Bank, MetLife, Prudential and Fannie Mae. Also worked as the in-house specialist in Lease.
• Involved in all areas of financial and due diligence projects, including underwriting, credit memo prep and third-party reviews for commercial; and due diligence/risk management for residential
• Managed special projects, such as large-scale lease abstraction projects and business development
• Oversaw market research initiatives and reporting projects for both in-house and major clients

Atlanta, Georgia, United States

• Worked as a risk analyst on company’s $10 billion commercial real estate portfolio. Activities included re-rating portfolio loans, maintaining a watch-list of problem loans and support for new loan production.
• Responsible for re-rating of loans in ING’s large and broad-based portfolio; maintained watch-list of problem loans, as well as worked with borrowers to minimize default issues
• Prepared risk analysis reports on markets and product types of concern
• Wrote weekly commentary reports on the economy and real estate, including activity in CMBS

Tampa, Florida, United States

• Managed a variety of projects geared towards increasing business, as well as overseeing related market research efforts. Later oversaw most research and training efforts in Florida and Georgia. Was Rookie of the Year.
• Oversaw market analysis efforts for Florida and other areas of the southeast, including real estate and economic reporting. Published in numerous periodicals including the Wall Street Journal and Commercial Property News
• Organized strategic business development efforts for Florida offices
• Was a member of the National Research Council and was one of the company’s national trainers

New York, New York, United States

• Began as tenant database manager; later became the research manager for the Wall Street office.
• Organized business development for high-tech properties client database development, preparation and distribution of marketing materials, and lease preparation and review
• Oversaw market research efforts for Wall Street and lower Manhattan