Kevin Duke Email and Phone Number

Underwriting with a primary focus on C&I and owner/user CRE for renewals/originations up to $10 million for a wide range of industries, with secondary focus on investor Commercial Real Estate up to $30 million. - Spreading personal and business tax return forms to determine borrower and guarantor financial strength and ability to cover debt service payments. - Compiling guarantor’s global debt service coverage to evaluate overall financial strength and account for existing investment and real estate portfolios.- Review of third-party reports including appraisals, market studies and environmental reports to ensure risks to the lender are properly mitigated.- Reviewing UCC statements to assess the lender’s position on assets in case of default.- Reviewing accounts receivable and payable to assess the borrower’s ability to collect and pay debts within a timely manner.- Analyzing collateral to accurately assess coverage in relation to loan sizing and gauge secondary sources of repayment in case of default.- Preparing a concise credit memo to clearly communicate loan structure, guarantor strength, market details and recommendation.- Reviewing draft loan documentation to ensure it aligns with credit approval.- Advising relationship managers on key credit issues related to the operating strength of the borrower which may affect risk grading and credit approval. - Balancing multiple loans at various points of analysis to meet loan closing deadlines in a timely manner.- Measuring loan covenants to ensure compliance with loan agreement and identify poorly performing loans.

Underwriting a wide variety of commercial loans ranging from Revolving Lines of Credit to investor and owner occupied Commercial Real Estate (SBA & conventional) covering the four food groups (multifamily, office, retail & industrial). - Spread personal and business tax return forms to determine borrower and guarantor financial strength and ability to cover debt service payments. - Review of third-party reports including appraisals, market studies and environmental reports to ensure risks to the lender are properly mitigated. - Preparing a concise credit memo to clearly communicate loan structure, guarantor strength, market details and recommendation. - Balanced multiple loans at various points of credit analysis to meet loan closing deadlines in a timely manner.

Underwriting construction and refinance loans totaling $200 million annually for market-rate multifamily projects ranging from 130 to 300+ residential units.- Spread operating statements in order to determine an accurate loan amount needed for new construction and refinance transactions.- Review of various third party reports such as appraisals, market studies and environmental reports to ensure risks to the lender are properly documented.- Analyzed regional markets to assess risk factors such as vacancy, rental rates, absorption and income levels in order to identify positive and negative trends.- Prepared detailed credit memos which effectively communicate loan structure, risks/mitigants, market details and recommendation. - Sized potential loans quickly and accurately and provided relevant feedback to originators for discussions with prospective business.- Minimized reputational and monetary risk to lender by properly assessing guarantor’s balance sheet to determine strengths and liabilities.- Balanced multiple loans at various points of analysis to meet loan closing deadlines in a timely manner

Underwriting construction loans totaling $50 million annually for low-income multifamily projects ranging from 20 to 120 residential units.- Spread construction budgets and pro forma operating statements in order to determine an accurate loan amount needed for new construction/rehabilitation.- Advised originators on key credit issues related to the operating strength of the property which will affect risk grading and loan pricing.- Prepared concise credit memos which effectively communicate loan structure, risks/mitigants, market details and recommendation. - Actively participated in regular closing calls between developers, city representatives and respective legal parties in order to establish weekly goals and effectively communicate updates.- Examined legal documentation and contracts to ensure they align with the lender’s terms, conditions and underwriting assumptions.- Met strict loan closing deadlines to avoid construction delays or loss of tax credits needed for funding.- Complied with federal regulatory requirements to limit fines and additional penalties.

Managed a portfolio of over 700 low-income multifamily properties totaling $400 million to assess their operational strength and risk to the lender.- Assessed risk to lender by spreading current and historical operating statements with the goal of evaluating the property’s operating strength and ability to make monthly debt payments.- Managed an internal production call covering new permanent loan transactions.- Supported construction underwriters by completing tasks during periods of high volume.- Interviewed potential new hires to replace me when I was promoted.

Performed appraisals on a variety of property types nationwide, critical for use by banks and private parties.- Spread historical profit and loss statements in order to identify potential issues and forecast accurate financial data for the upcoming year.- Reviewed and analyzed contract documents to fulfill company policies and report requirements.- Researched multiple databases to determine the most accurate market value for personal property, land and improvements.- Actively managing turnaround times to ensure client and company expectations are met.