The Professional Loan Program within First Republic's Eagle Lending division primarily provides commercial lending products to private equity, venture capital, and professional services firms for purchase of partner buy-in equity shares and to finance fund investment requirements.•Underwrites commercial credit requests for private equity, venture capital, and professional services firms (legal, accounting, wealth management) based on financial statements, client discussions, private placement memorandums, etc. Generates credit package (including memorandum, organizational charts, global cash flow, etc.) and presents recommendation to executive loan committee for credit decisioning. *Analyzes existing firm portfolio with an eye for risk management via covenant monitoring, annual firm financial reviews, and credit monitoring of individuals.•Underwrites consumer credit requests for complicated, high net-worth individuals and effectively manages pipeline in a high-volume environment.•Develops consumer credit analysts by creating curriculum and leading formal classroom training, by providing underwriting auditing and coachback, and by mentoring. Authored a comprehensive credit underwriting guidelines document for new analyst on-boarding and to provide all analysts with a resource to facilitate underwriting quality and consistency.•Collaborated with technical partners in the development and launch of a paperless underwriting solution. Project included the identification of user requirements/business needs within the credit context, user-interface testing, bug identification, credit compliance considerations, and cross-departmental new user on-boarding.

Conforming first mortgage, second mortgage, and HELOC credit products including: purchase, high balance, rate-term refinance, cash-out and debt consolidation refinance, HAMP and HARP, and internal modifications. •Analyzed diverse credit, collateral, legal, and financial data (appraisals, purchase agreements, titles, co-op stock/lease, condo association documents, trusts, divorce decrees, liquidity statements, personal and business tax returns) to quantify financial opportunity while weighing risk and mitigating loss potential. Authorized ~$10 million in funding per month with transaction credit authority of up to $625,000. •Recognized for 100% accuracy in applying real estate math/valuation, cash flow analysis, credit risk policy, and regulatory compliance to lending decisions (exceeds audit benchmark by 10%).•Exceeded customer satisfaction averages by 19.26% with caseloads 3.5x above capacity by improving process efficiency. Collaborated to share resource-management strategies with St. Louis, MO site.•Led development of new curriculum to increase underwriter authority, taught material to candidates in an interactive classroom setting, and developed mentor and auditor relationships with trainees. •Recognized subject matter expert: designated to analyze complex tranactions and to second-level review challenging scenarios. Co-op and NY transaction mortgage refinance specialty.(Collateral included single family, cash-flowing multi-family (up to 4 units), condo and co-op units, and PUD and leasehold properties of all occupancy types located in all 50 states. Borrowers were typically low to high income wage earners, fixed-income, self-employed, or in distressed/hardship scenarios.)

•Identified and developed legal causes of action using legal discovery, research, and writing techniques. •Monetized causes of action by reducing convoluted discovery data into specific legal damage figures. •Developed analysis into settlement demand letters, client cost sheets, and firm’s financial reporting.

Sales: •Exceeded sales and customer service targets in rapidly-evolving technology solutions for small businesses and individual consumers.Management:•Implemented sales variance audits and lower-cost sales promotion strategies that increased revenue. Authorized team's pricing and discounting decisions.•Responsible for store-level cash and inventory management and cost of goods sold analysis.•Developed innovative sales strategies to lead discussions at store sales meetings. Trained new hires in sales and product, resulting in market-leading performance.

•Receptionist for memory care, assisted living, and independent senior living facilities. Customer service, emergency prevention, and emergency response for residents that were often emotionally and behaviorally unpredictable due to Alzheimer's, dementia, or psychological disorders.