- Identify potential investment products from developers across the United States who build projects to generate federal and state tax credits. Total development costs range from $5mm – $165mm.- Underwrite unsecured equity position(s) in which Foss & Company acts as a managing member of its proprietary funds:- Manage all aspects of partnership investments during their life cycle from initial due diligence gathering, qualitative underwriting, closing, and management of developer relationships. - Review Tax Credit diligence materials, verify and stress developer’s financial models to understand potential risk, investment strategy and key operating metrics; review construction cost and feasibility, appraisal and environmental reports; review ownership and borrowing structure and organizational documents; track legal documentation with attorneys, investors, and management; and verify compliance with partnership and/or operating agreements. Notable transactions include: - Lead Syndicator/Arranger of $34.8mm in State Historic Tax Credits on a 474,000 SF, $126mm re-development of a former R.J. Reynolds tobacco warehouse in Winston-Salem, NC. - Lead Syndicator/Arranger of $23.3mm in State Historic Tax Credits on a 600,000 SF, $165mm re-development of three historic structures in downtown Cleveland, OH.- Partner with Participant Lender to underwrite bridge loan debt. Foss and Company has a bridge loan program, whereby, it bridges its tax credit equity for a period of 12 – 24 months. Primary analysis includes (but is not limited to) the following:- Analyze construction schedules and budgets to determine timing and feasibility of equity installments; which ultimately serve as collateral for the bridge loans. This analysis is in addition to ALL responsibilities listed above.

-Supported large corporate/institutional relationship managers by performing business, industry, financial, and risk analyses to underwrite and manage a $500MM commercial real estate portfolio comprised of several publicly-traded REITs and large private equity real estate funds. Notable transactions included: -$115MM (aggregate exposure for both facilities) term loan and revolver for a publicly-traded REIT. Analyzed, stressed, and modeled funds from operations, debt maturities, and project level cash flow. -$42.4MM construction loan secured by a speculative office asset in Seattle, WA for an existing fund customer. Conducted in-depth market research, site visits, background investigations, and legal due diligence in addition to underwriting the asset and sponsorship. -$60MM participation in a $425MM unsecured revolver co-agented by USB for a publicly-traded REIT. Additionally, analyzed $75MM+ exposure secured by 6 properties to receive approval for project loan secured by nearly stabilized apartment complex; Analysis included assessing trends in occupancy, cash flow, market rents, and occupancy costs, as well as identifying risk property refinancing, and covenant structure. -$30MM participation in a $150MM unsecured revolver for a private REIT. Completed covenant sensitivity analyses for a sophisticated set of covenants and a deep analysis of the company including, but not limited to, its large mixed-use retail portfolio. -Presented analysis to senior credit officers during meetings and quarterly portfolio reviews. -Completed annual financial reviews for real estate developers and investors; analyze real estate schedules to assess asset value, leverage, expected future cash flow, loan maturity, re-margin exposure, and portfolio diversification. -Researched real estate markets by interacting with brokers familiar with each market; conduct independent market research by using appraisals, sales and leasing transaction reports, and third-party market reports.

• Supported 4 relationship managers with a total portfolio of $400MM+ in loan commitments and $300MM in loan outstandings.• Gained significant responsibility as a financial analyst, underwriting many the office’s largest deals including an aggregate $45MM in commitments to a private, commercial real estate company and a $30MM commitment to a private cheese manufacturing and distributions company. Analysis included evaluating the ongoing creditworthiness, market / industry conditions, and assessing risk / repayment capabilities.• Analyzed historical financial statements of various companies; assessing a company’s operational strength and weaknesses including leverage, liquidity, cash flow, earnings, availability of collateral, and ability to service debt.• Created and maintained various excel models including: sensitivity scenarios in excel; contractor work in process analyses, debt/income, free cash flow, lease turn-over analysis, etc. • Consulted and presented to loan supervision to obtain credit approval for credit requests including, but not limited to, subordinated debt repayment, debt restructure, and new operating exposure. • Participated in customer and prospect calls with relationship manager and loan team manager to gain customer/relationship management skills.

• Partnered with project management team on large-scale, detailed business banking projects that were long term, with high scope, impact, risk, and complexity. • Independently assisted project management team members with project duties including: writing all notes and producing all other quality documentation as needed. Documentation included: statement of work, requirements, project plans, issues lists, implementation plans, etc. as needed.• Analyzed and tracked project budgets and identify projects/production issues while serving as point of contact for all project information and updates.• Evaluated and assessed resources to provide solutions to project issues and maintain project deliverables• Coordinated problem reviews and follows up on assigned actions• Arranged and/or delivered training and document new and/or revised processes and procedures.

• Selected as one of 2 out of 750 candidates to participate in the Business Banking Associate Program• Served as project lead in a risk and control self assessment (RCSA) project. Project included researching risk factors and the corresponding controls to then create a detailed record and tracking system of the risks and controls for future monitoring. Upon completion organized meetings with senior management to discuss results of the project, and gather feedback on RCSA.• Played a key role in a process mapping project to streamline and identify efficiencies within loan operations processes. Specific tasks on project included traveling to multiple locations to observe the entire lending process and documented findings. Obtained a robust and holistic view of the lending process.• Developed interpersonal skills through consistent interaction with Senior Management, Mentorship, and networking groups such as LEAD Class of 2008