John Speaks Email & Phone Number

New York, New York, United States

Manage online website selling fine art jewelry handmade by contemporary jewelry artists

25 Hudson Street, New York, Ny 10013

• New York City Real Estate Agent with focus on residential properties in Manhattan; also sold properties in Brooklyn and Queens. • Help client determine whether to purchase a condominium or co-op based on the client’s needs and/or finances• Explain the unique buying and selling process in New York City to the client and help client determine what he/she can afford • Provide marketing plan to expedite sale of property• Identify and show properties for sale that meet client’s requirements. Help client see full potential of property• Analyze comparable sales to help buyer or seller price property properly; provide tips on how to enhance value• Negotiate purchase or sale of property. Help client obtain best price and make sure closing proceeds smoothly• Produce six newsletters annually to keep clients informed of market conditions and to put market in historical perspective• Work with rental and commercial property agents in office to help clients meet needs other than for residential properties

● Member of the Credit Committee. Approved asset backed securities worldwide.● Assured credit standards were upheld and apprised management of significant risks. ● Analyzed receivables and determined appropriate credit enhancement levels. ● Worked closely with transaction teams to identify key risks, create efficient structures, and develop new business opportunities. ● Conducted due diligence and researched new assets.● Focused on a broad variety of consumer and commercial assets, including sub-prime autos, car rental programs, credit cards, Japanese consumer loans, mortgage backed securities, floor plan receivables, equipment leases, aircraft leases, small business loans, intellectual property, franchise fees, and future flows. ● Created risk adjusted limits for individual transactions and seller/servicers.● Reviewed collateral in ABS CDO’s and advised senior management of risks.● Helped to create credit template and streamline credit approval process.

London, England (2000 – 2001) ● Rated public private partnerships and project finance transactions.● Worked with senior management to develop a new middle market product. Sydney, Australia (1999 – 2000) ● Rated public private partnerships, automobile loan, and CMBS transactions.● Authored report on Moody’s approach to rating Australian automobile loan backed securities.● Developed initial criteria for evaluating Australian CMBS transactions.● Temporarily worked in Korea to assist on a special project and train local joint venture partner. Tokyo, Japan (1997 – 1999) ● Built structured finance team and created methodologies for rating new assets as they were introduced to the marketplace.● Co-authored report on Moody’s approach to rating Japanese CMBS transactions. ● Surpassed competition as dominant rating agency for structured finance securities in Japan.

General: Assigned ratings to asset backed securities and commercial paper transactions worldwide. Worked in multiple locations, including New York, Tokyo, Sydney, Seoul, and London. ● Analysed receivables, evaluated servicer quality, and determined credit enhancement levels.● Reviewed legal documents and assessed legal and structural risks. ● Chaired rating committees, trained personnel, and called on investors.● Wrote special reports, conducted tele-conferences, and spoke at industry events.

New York, USA (1987 – 1997) ● Focused on non-mortgage ABS product and commercial paper transactions. Special emphasis on small business loans, car rental programs, automobile loans, automobile leases, equipment leases, floor plan receivables, credit cards, and various esoteric assets.● Spoke at conferences on Moody’s approach to rating asset backed securities, the role of the back-up servicer, and legal issues.● Organized ABS Monitoring Department and developed systems to monitor ABS performance. ● Created initial approaches for rating securities backed by small business loans, sub-prime auto loans, car rental programs, automobile leases, tax liens, insurance premium contracts, and structured settlements.● Co-authored reports on small business loans, structured settlements, sub-prime auto loans, car rental programs, insurance premium contracts, servicer risk, and the used car market.

Mba, Finance

Jd, Law

Ba, Psychology