Mitzie Tracey Email & Phone Number

Carrollton, TX, US

United States

Plano, TX

• Developed, recommended, and implemented credit risk standards. Monitored credit exposure for routine and complex transactions, and recommended risk mitigation strategies.
• Performed risk assessments including impact assessments, quantitative analysis, assigning credit scores, evaluating and designing controls. Identified control gaps and recommended shifts in business practices to.
• Gained and utilized business acumen including… Show more
• Gained and utilized business acumen including interpreting customer and market insights, forecasting, benchmarking, and modeling through analyses of the portfolio and economic indicators.
• Maintained data integrity of proprietary credit rating applications and assisted in enhancements as an end-user.
• Examined risk elements of existing relationships and made recommendations regarding continuing to closure or additional credit enhancements to improve credit strength.

Irving, TX

• Managed performing and non-performing CMBS real estate loan portfolio through underwriting, planning, development, presentation, and implementation of business plans to achieve the optimal resolution and minimize loss
• Negotiated loan restructures and workouts including repayment terms and legal document verbiage
• Resolved 120 defaulted CMBS loans owing over $846.5 million through workouts, foreclosure, and litigation
• Increased profitability by collecting over $2.4 million in… Show more
• Increased profitability by collecting over $2.4 million in default interest/late charges and $2 million in fees
• Exceeded annual resolution goals for 9 consecutive years

Plano, TX

• Established regional asset management function including policy and procedure implementation, financial analysis and reporting, and loan servicing for Fannie Mae and Freddie Mac loans
• Prevented loss on a Fannie Mae DUS loan portfolio by performing financial analysis, investor reporting, risk rating and monitoring, underwriting, and annual property inspections
• Managed $904 million structured credit facility including controlling reserve draws, approving operating and capital… Show more
• Managed $904 million structured credit facility including controlling reserve draws, approving operating and capital improvement budgets, conducting property and loan level reporting, facilitating treasury management.
• Coordinated the asset management of 45 Fannie Mae loans totaling over $255 million on heavily hurricane damaged multi-family housing, resulting in the disbursement of $55 million in insurance proceeds, a return to.
• Served as team lead; supervising and mentoring junior Asset Managers Show less

Plano, TX

• Proposed, reviewed, evaluated, underwrote, negotiated, and implemented resolution strategies for a large delinquent SBA loan portfolio to maximize revenue
• Performed due diligence underwriting for newly purchased defaulted SBA loan portfolio
• Consistently attained annual ROI of over 350% on non-performing SBA loans
• Developed and presented business plans to senior management with a 90%+ approval rate
• Directed Loan Servicing personnel

Mba, Finance, General

Bachelor Of Business Administration (Bba), Finance, General