Joshua Casto, Jd, Mba, Mst Email & Phone Number

Detroit, Michigan, United States

• Accountable for risk management, compliance, and audit performance while adhering to bank policies and procedures and complying with legal and regulatory compliance.
• Establish effective controls and process to ensure risks are measured, monitored, and controlled and compliance requirements are followed on an on-going basis.

Southfield, Michigan

• Manage risk on an ongoing basis by monitoring customer credit worthiness, adherence to loan terms, and general business conditions.
• Manage annual reviews and renewals, portfolio reviews, collateral exceptions, borrowing bases, delinquencies, and other reporting.
• Review and negotiate loan documentation in consultation with legal counsel.

Southfield, Michigan

• Work directly with sales and risk personnel in generating loan approval documents that help ensure and maintain the quality of the bank's real estate loan portfolio.
• Manage maturities by working with relationship managers early in the process and underwriting and approving renewals, extensions, and modifications.
• Complete and submit annual review packages for existing loans.

Troy, Michigan

• Analyze, review and structure loan requests using sound real estate underwriting fundamentals and standards.
• Prepare written evaluation of borrowers’ financial condition and future outlook.
• Provide ‘Simply the Best’ customer service while working with external customers and sales, risk and portfolio management team members.

Troy, Michigan

• Review and process high-volume, complex commercial real estate due-diligence documentation, notes, mortgages, loan agreements and other commercial loan documentation to ensure compliance with regulatory requirements.
• Achieved the AVP title as recognition for managing a high-volume work load while continuing to provide excellent customer service to both internal and external customers.
• Consistently recognized as the top commercial real estate loan closer. Processed 119 loans valued at $252M in 2014.
• Lead bond closer for the Healthcare business segment.
• Train new loan closers to set them up for success and meet the company's high standards.
• Regular feedback received from customers, including bankers, title companies and attorneys, regarding the ability to exceed their expectations while coordinating closings.

Grand Rapids, Michigan

• Conducted detailed reviews of draw requests, sworn statements, waivers of lien, title endorsements and other construction due diligence relating to the Michigan Construction Lien Act.
• Continuous relationship management with customers. Scheduled and hosted pre-closing construction draw meetings.

Experience in teaching undergraduate commercial real estate and finance courses.

Experience in finance and banking graduate course design and instruction with approval to teach Law, Finance, and Marketing.

Grand Rapids, Michigan

I gained additional tax consulting experience while achieving my MST degree. I completed tax returns using financial analysis to determine accuracy of information and data. I also presented taxation regulations to clients based on their individual specific situation.

Columbus, Ohio

Gained experience as a Tax Consultant while pursuing my education. My goal was to exceed customer expectations in preparing their tax returns, which included both personal and business returns.

Grand Rapids, Michigan

I began my career with Huntington in a CSR role while obtaining my J.D. I interacted with customers regarding available products and services, and made recommendations based on customer needs analysis.

Columbus, Ohio

This internship position focused on targeting prospective clients and maintaining client relationships. I prepared various financial reports and performed rate of return analysis.

Juris Doctor (J.D.), Banking, Corporate, Finance, And Securities Law

Received Juris Prudence Award in Mortgage Banking Law, which focused on risk management and regulatory compliance. Completion of.

Master Of Science (Ms), Taxation

Coursework focused on Estate Planning, Corporate Taxation and Partnership Taxation. Completed in depth analysis of various case studies of.

Master Of Business Administration (M.B.A.), Finance, General

Coursework focused on Corporate Finance, Economics and Merger and Acquisition Negotiations. Participated in case studies detailing.

Bachelor’S Degree, Financial Planning & Economics

Financial Planning Major involving customer based analytical research from multiple information sources. Economics Minor, which required.