Kurt P. Email & Phone Number

United States

New York City Metropolitan Area

United Mortgage Corporation; Branch NMLS#1330; Kurt Pagon, Loan Officer NMLS#2330562• Connect with prospective clients and get understanding of their current mortgage needs and timeline;• Collect and analyze clients’ financial and pertinent personal information to assess eligibility for various loan programs;• Pre-approve clients for loans based on credit parameters and loan programs available;• Process loan applications by collaborating with internal and external partners; • Continuously communicate with clients, real estate agents and other partners throughout the entire mortgage process;• Equipped with strong problem-solving skills and competence in finding solutions for clients along a wide credit profile spectrum;• Utilize marketing techniques and collaborate with partners to attract purposeful prospective home buyers https://unitedmortgage.com. Branch NMLS#1330; Kurt Pagon, Loan Officer NMLS#2330562

New York City Metropolitan Area

East Coast Capital Corporation, Kurt Pagon, Loan Officer NMLS#2330562• Connect with prospective clients and get understanding of their current mortgage needs and timeline;• Collect and analyze clients’ financial and pertinent personal information to assess eligibility for various loan programs;• Pre-approve clients for loans based on credit parameters and loan programs available;• Process loan applications by collaborating with internal and external partners; • Continuously communicate with clients, real estate agents and other partners throughout the entire mortgage process;• Equipped with strong problem-solving skills and competence in finding solutions for clients along a wide credit profile spectrum;• Utilize marketing techniques and collaborate with partners to attract purposeful prospective home buyers

New York City Metropolitan Area

Contour Mortgage Corporation; Kurt Pagon, Loan Officer NMLS#2330562• Connect with prospective clients and get understanding of their current mortgage needs and timeline;• Collect and analyze clients’ financial and pertinent personal information to assess eligibility for various loan programs;• Pre-approve clients for loans based on credit parameters and loan programs available;• Process loan applications by collaborating with internal and external partners; • Continuously communicate with clients, real estate agents and other partners throughout the entire mortgage process;• Equipped with strong problem-solving skills and competence in finding solutions for clients along a wide credit profile spectrum;• Utilize marketing techniques and collaborate with partners to attract purposeful prospective home buyers

New York City Metropolitan Area

Planet Home Lending; Kurt Pagon, Loan Officer 2330562• Connect with prospective clients and get understanding of their current mortgage needs and timeline;• Collect and analyze clients’ financial and pertinent personal information to assess eligibility for various loan programs;• Pre-approve clients for loans based on credit parameters and loan programs available;• Process loan applications by collaborating with internal and external partners; • Continuously communicate with clients, real estate agents and other partners throughout the entire mortgage process;• Equipped with strong problem-solving skills and competence in finding solutions for clients along a wide credit profile spectrum;• Utilize marketing techniques and collaborate with partners to attract purposeful prospective home buyers

New York, New York, United States

Trusted advisor for clients in various industries for a number of years as a business development finance professional, customizing deals and processes to achieve optimal results for clients.Customized solutions from a comprehensive portfolio of consulting, digital transformation, robotic process automation, and staffing solutions to produce positive outcomes for clients across all markets.

Greater New York City Area

* Developed relationships with business owners and executives and customized credit and banking solutions for their day to day business operations and stages of development. * Led deal team of sales and credit professionals in delivering structures, solutions and recommendations to internal partners and subsequently to business owners and executives. * Worked with sales team in originating credit deals through COI referral sources and negotiated complex structures and solutions. * Managed processes including due diligence, credit analysis, structuring, pricing, negotiations, and proposals with sales and credit teams. * Authority to provide approval on deal structures and solutions in a timely manner after collaborating with credit and sales teams through origination and underwriting processes. * Partnered with executives in managing credit portfolio of clients and asset quality and a team of sales, credit and support professionals in New York City.

Greater New York City Area

* Conducted extensive analysis and examination of client's financial and operating strategies, as well as financial statements for credit quality and cash flow adequacy.* Worked with the Relationship Managers in structuring, analyzing and negotiating credit transactions.* Monitored accounts on an ongoing basis for financial and collateral performance, including preparing historical and projected financial statements, modeling, and analysis (A/R aging, inventory valuations, and borrowing base certificate).* Monitored client collateral positions, spread, and evaluate financial statements and cash flow projection statements.* Prepared credit committee applications/presentations by evaluating appraisals, field exams, financial audits, business management reviews and historic loan documents and credit approval documentation through the decision making process.

Greater New York City Area

Underwrote and structured complex and plain vanilla credit transactions in healthcare and social services sectors and private higher education and private K-12 institutions. Grew credit portfolio through bilateral credit transactions and bank products/solutions. Actively met clients with and independent of client managers and the senior credit products officers to structure and underwrite credit transactions. I led the credit approval process for complex clients/transactions and subsequently drove legal documentation process and closing of those transactions. Monitored and maintained activities of existing client base including operating performance and financial condition to proactively identify issues and opportunities. I delivered financial, industry and economic analysis to facilitate decision making while also ensuring adherence to credit policies, guidelines and applicable regulatory requirements. Provided ongoing coaching and support to junior Credit Products team members.

Greater New York City Area

Originated and structured a $700 million portfolio of syndicated and bilateral credit facilities to a diversified group of investment and non-investment grade large capitalization and middle market companies through relationships with other banks and acting on leads from home markets and COI referral sources. Customized deals for clients based on banking needs, credit profile, and market fundamentals. Products structured included plain vanilla credit facilities, letters of credit, borrowing base loans, asset based lending facilities and factoring facilities. Traveled monthly to meet with clients throughout the United States to develop relationship beyond credit by presenting the bank’s capabilities in various products. Interfaced with internal and outside counsels and senior executives to discuss legal and business issues to pertaining to deals. Also worked consistently on compliance issues pertaining to transactions. Prepared new credit applications and credit reviews including in depth analysis of financial results, transactions, industries and markets. Identified risk profile of customers and prospects and made independent recommendations to credit risk management.

Greater New York City Area

Co-managed large surety bond portfolio of infrastructure, energy, nuclear and diversified companies including taking transactions from origination to closing and presenting recommendations to credit risk management. Met underwriters and senior executives of companies and participated in conference calls to determine appropriate client needs. Interpreted percentage-of-completion accounting as it pertained to the construction and project finance industries. Created sensitivity and financial forecast models to determine performance of companies in downside scenarios. Reviewed legal documentation of deals. Managed credit and structural risks for surety/insurance products.

Greater New York City Area

Co-managed a $7.0 billion credit portfolio of energy, consumer products, industrials, infrastructure, healthcare/pharmaceuticals and chemical companies. Prepared credit applications including detailed analysis of financial results, transactions, industries and markets. Created financial models to determine performance of companies in stress scenarios. Detailed pertinent issues and identified strengths and weaknesses before making independent recommendations. Reviewed legal documents and interfaced with internal and external counsels. Monitored existing clients, conveying hold/exit recommendations to credit risk management. Authored outlook reports on industries covered. Identified ancillary business opportunities globally through client meetings, industry expertise and market happenings. Presented marketing material of bank capabilities and recommended products/services to existing and prospective clients.

Greater New York City Area

• Co-managed energy/municipal portfolio consisting of $1.4 billion in credit exposure to investor-owned utilities and electric cooperatives• Researched and wrote industry reports for upper and risk management• Prudent quantitative and qualitative analysis and interpretation of financial statements to determine viability of counterparties• Determined borrowers’ creditworthiness during economic downturns largely based on sensitivity and financial forecast models• Annual reviews of existing portfolio, and in-depth analysis and due diligence on prospective borrowers• Developed business proposals and participated in bank meetings, marketing calls, and earnings teleconferences

Greater New York City Area

• Performed quantitative and qualitative analysis on municipal debt issuers, presenting economic/financial trends to rating committee• Dissected cash flow statements to determine payback period of MUNI note issuers• Discussed with rating committees and issuers the possibilities of rating actions• Co-authored detailed-oriented yet concise rating reports, recommending issuers’ creditworthiness• Compiled statistical reports on per capita income, investment value and debt to determine municipality stability

Greater New York City Area

• Analyzed collateral and paydown structures of mortgage securities, re-engineered mortgage data and delivered repayment information to securities investors• Informed investors of securities prepayment information and the effect on their investment returns• Assisted pricing desk in evaluating CMO, ABS, MBS and ARM securities prices

Mba, Finance

Bachelor Of Business Administration - Bba, Finance

High School Diploma, Business/Commerce, General