Nick Saenz Email & Phone Number

United States

Perkasie, Pennsylvania, United States

Malvern, Pennsylvania

Malvern, PA

Work with a Senior Commercial Real Estate Lender in a variety of ways including but not limited to structuring loan terms, conditions, & covenants, issuing term sheets, and preparing credit requests for new and existing customers. Assist in the maintenance of the approximate $125MM CRE portfolio and provide service to new borrowers with non-complex CRE.

Greater Philadelphia Area

• Analyze and review financial information in a fast-paced environment with primary focus on complex credits over $1,000,000 in a portfolio consisting of CRE, C&I, and construction loans
• Perform statement spreading and cash flow, rental, and sensitivity analyses using a variety of financial information provided by borrowers to determine borrower ability to meet debt service coverage requirements
• Collaborate with lenders, Chief Lending Officer, and Chief Credit Officer to determine best structuring of loans as well as appropriate covenants
• Identify risks within proposed loans and recommend preliminary risk rating based on analysis
• Determine recommendation to Chief Credit Officer for loan decision
• Review budgets and plans of construction loans for preliminary determination of adequacy

Bala Cynwyd, Pennsylvania

• Analyze and review financial information in a fast-paced environment with primary focus on loans over $1,000,000 in a portfolio consisting of CRE, C&I, and construction loans
• Perform statement spreading and cash flow, rental, and sensitivity analyses using a variety of financial information provided by borrowers to determine borrower ability to meet debt service coverage requirements
• Identify risks within proposed loans and recommend preliminary risk rating based on analysis
• Determine recommendation to Chief Credit Officer for loan decision
• Review budgets and plans of construction loans for preliminary determination of adequacy
• Collaborate with lenders, Chief Lending Officer, and Chief Credit Officer to determine best structuring of loans as well as appropriate covenants

Philadelphia, PA

• Developed system for enforcement analysts and management to monitor enforcement action workflow
• Participated in process to initiate an enforcement action and monitored a portfolio of actions to assess compliance
• Analyzed deliverables from financial institutions to determine adequacy
• Performed ad hoc reporting and projects for Reserve Bank management and the Board of Governors
• Participated in bank examination to assess capital adequacy, asset quality, earnings, liquidity, and interest rate risk
• Reviewed individual loan files to determine: adequacy of underwriting, compliance with bank policies and covenants, appraisals, loan-to-value, cash flow, debt service coverage, and appropriateness of risk ratings

• Negotiate settlements
• Testify on behalf of the company at trials, arbitrations, mediation conferences and depositions
• Analyze accounts and contracts to verify if suit is warranted
• Prepare and maintain files for litigation
• Research accounts to resolve inquiries from attorneys and disputes from debtors
• Analyze and approve costs for the litigation process

Baltimore, MD

• Prepare daily docket
• Coordinate the attorneys, clients, deputies and correctional officers to expedite the commencement of court
• Administer all oaths to witnesses, juries, defendants, and interpreters
• Handle and appropriately label all evidence during trial
• Assist in jury selection and handle communications between the jury and the judge and attorneys
• Read and hearken the verdict for the court record

Master, Business Administration; Finance

Bachelor Of Arts, Criminal Justice