As Chief Credit Officer for LUMENT’s REINS Debt Platform, I was responsible for managing an experienced credit team that assessed and underwrote bridge, construction and mezzanine loans on market-rate and affordable multifamily properties and self-storage facilities. My responsibilities were to ensure loans the team prescreened, originated and underwrote were within our credit appetite, risk profile, and were viable candidates for a GSE take-out execution. My goal was to strike the right… Show more As Chief Credit Officer for LUMENT’s REINS Debt Platform, I was responsible for managing an experienced credit team that assessed and underwrote bridge, construction and mezzanine loans on market-rate and affordable multifamily properties and self-storage facilities. My responsibilities were to ensure loans the team prescreened, originated and underwrote were within our credit appetite, risk profile, and were viable candidates for a GSE take-out execution. My goal was to strike the right balance between being prudent and upholding credit underwriting principles, while still offering a competitively priced and leveraged loan that would be held on our balance sheet and/or securitized via a CLO execution until the asset is stabilized and ready for GSE take-out. Show less

As Chief Credit Officer for ORIX Real Estate Americas, I am responsible for overseeing commercial real estate risk management and underwriting. This includes the management of an experienced credit team that assesses and underwrites bridge, construction and mezzanine loans; preferred equity positions; JV equity investments; CMBS and agency securities; and CDO bonds backed by commercial real estate properties. Additionally, the credit team provides real estate underwriting support on… Show more As Chief Credit Officer for ORIX Real Estate Americas, I am responsible for overseeing commercial real estate risk management and underwriting. This includes the management of an experienced credit team that assesses and underwrites bridge, construction and mezzanine loans; preferred equity positions; JV equity investments; CMBS and agency securities; and CDO bonds backed by commercial real estate properties. Additionally, the credit team provides real estate underwriting support on tax-exempt bond investments for ORIX Municipal Finance.The CCO role requires deep real estate credit experience necessary to underwrite all CRE property types and is responsible for all aspects of analysis, structuring, underwriting, industry due diligence and final credit assessment/approval for all loans and/or investments. The position also requires upholding credit policies, assessing the risk of potential lending/investment opportunities, and managing existing assets within the OREA bond and loan portfolio. Show less

Provide Real Estate Credit and Risk Management oversight to the Municipal Finance Group. Responsible for providing reliable risk assessments, valuations and down-side scenarios; identifying asset, market and execution risks; recommending structural risk mitigants; and ensuring a disciplined and prudent credit culture is maintained. Investments are municipal bonds pledged and/or supported by real estate, and includes: traditional property types (retail, office, apartments, industrial… Show more Provide Real Estate Credit and Risk Management oversight to the Municipal Finance Group. Responsible for providing reliable risk assessments, valuations and down-side scenarios; identifying asset, market and execution risks; recommending structural risk mitigants; and ensuring a disciplined and prudent credit culture is maintained. Investments are municipal bonds pledged and/or supported by real estate, and includes: traditional property types (retail, office, apartments, industrial, hotels), senior-housing (ILF, ALF, SNF), LIHTC properties, PID, TIF, STAR bond districts, land development, and non-traditional assets. Show less

Provide Chief Credit Officer, CEO, Credit Committee or OCM Desk with a thorough and well-balanced credit opinion and risk assessment on potential real estate related investments being considered by ORIX or Red Capital. • Credit/Risk assessment includes customary underwriting/due diligence, identifying and quantifying asset, market, borrower and execution risks, and recommending structural mitigants for these risks. • Real estate related investments include: single loans and loan… Show more Provide Chief Credit Officer, CEO, Credit Committee or OCM Desk with a thorough and well-balanced credit opinion and risk assessment on potential real estate related investments being considered by ORIX or Red Capital. • Credit/Risk assessment includes customary underwriting/due diligence, identifying and quantifying asset, market, borrower and execution risks, and recommending structural mitigants for these risks. • Real estate related investments include: single loans and loan portfolios, CMBS bonds, municipal, tax-exempt, and LIHTC bonds, and real estate investment funds with pledged collateral consisting of retail, office, industrial, multi-family, and hotel assets, as well as healthcare and LIHTC properties.• Responsible for the surveillance of 12 bond offerings totaling $4.7 billion. Surveillance monitoring includes providing reliable and supportable risk assessments, valuations, base-case and stress-case loss estimates, and projected loss dates on Top 10 loans, High Risk loans in excess of $15.0MM, and REO or Special Serviced loans.• Member of the Special Servicing Credit Committee, which is responsible for reviewing/approving special servicing requests, such as lease approvals, loan modifications, loan assumptions, REO sales, foreclosures, and other requests on behalf of the Trust where ORIX is named Special Servicer. Show less

Directed the activities of a 13-member team of Underwriters, Securitization Specialists, and Analysts to ensure loan underwriting, pricing and marketability standards were maintained and risks were properly structured for the successful execution of securitizing CMBS loans. Loans ranged from $1MM to $85MM for core property types including multi-family, manufactured housing, retail, office, industrial, and hotels. · Maintained disciplined credit culture; ensured debt program complied… Show more Directed the activities of a 13-member team of Underwriters, Securitization Specialists, and Analysts to ensure loan underwriting, pricing and marketability standards were maintained and risks were properly structured for the successful execution of securitizing CMBS loans. Loans ranged from $1MM to $85MM for core property types including multi-family, manufactured housing, retail, office, industrial, and hotels. · Maintained disciplined credit culture; ensured debt program complied with GE credit policy; maximized net income; and mitigated losses.· Proficient in assessing asset, market and sponsor risks, developing prudent mitigants, and structuring solutions to complex financial transactions.· Consistently processed $2.2 - $2.6 billion annually in CMBS originations. · Accountable for final credit approval on 75% of CMBS Volume. · Participated in Investor Road Shows where loans are marketed to bond investors. Securitized 5 transactions containing nearly 300 loans totaling $3.9 billion.· Performed due diligence on CMBS bonds and loan portfolio acquisitions.· Participated in the development and implementation of operating, underwriting and risk policies. Show less

Managed a 4-person team of Securitization Professionals to successfully execute securitization process. Securitized 13 conduit debt transactions containing nearly 1,000 loans totaling $8.6 billion. · Responsible for quality control of asset/loan presentations, loan tapes, and investor files; answering investor, b-piece buyers and rating agency questions; and marketing loans targeted for sale.· Provided management oversight and monitoring of GE's CMBS portfolio.· Negotiated… Show more Managed a 4-person team of Securitization Professionals to successfully execute securitization process. Securitized 13 conduit debt transactions containing nearly 1,000 loans totaling $8.6 billion. · Responsible for quality control of asset/loan presentations, loan tapes, and investor files; answering investor, b-piece buyers and rating agency questions; and marketing loans targeted for sale.· Provided management oversight and monitoring of GE's CMBS portfolio.· Negotiated asset economics and values with Rating Agencies and loan kick-out lists with B-piece Investors to maximize execution and profitability of each securitization.· Improved process efficiencies through leveraging technology, incorporating outsourcing services, and automating the development of loan tapes, asset summaries, and other investor reports.· Communicated secondary market trends, underwriting and rating agency guidelines, B-piece and bond investor feedback, and GE operating procedures to GE Sales and Operating platforms. Show less

Promoted to Team Leader in 2000 based on strong performance and underwriting proficiency. Managed a team of Underwriters responsible for performing underwriting due diligence on prospective CMBS loans. · Underwriting due diligence included conducting site inspections; analyzing historical property financials; performing trend analyses; reviewing leases, audit and third-party reports; understanding local market dynamics; completing borrower/sponsor due diligence; and finalizing credit… Show more Promoted to Team Leader in 2000 based on strong performance and underwriting proficiency. Managed a team of Underwriters responsible for performing underwriting due diligence on prospective CMBS loans. · Underwriting due diligence included conducting site inspections; analyzing historical property financials; performing trend analyses; reviewing leases, audit and third-party reports; understanding local market dynamics; completing borrower/sponsor due diligence; and finalizing credit request binder and presenting to credit committee for loan approval.· Consistently recognized as a Top Producing Underwriter with volume exceeding $200MM annually. · Demonstrated ability to process multiple transactions concurrently and meet customer’s 30-day underwriting cycle time.· Underwritten property types included multi-family, manufactured housing, retail, office, industrial, and hotels. Assets primarily located in Northeast, Southeast and Central U.S. Show less

Prepared real estate appraisals for internal banking officers in an accurate and timely manner. Provided banking officers with advise on market dynamics and real estate valuation methodologies. Participated in work-out solutions as well as property valuation, marketing, leasing and disposition strategies on Bank’s REO assets.· Appraisal process included inspecting subject property, collecting and analyzing market data to form an opinion of value, and presenting data and conclusions in… Show more Prepared real estate appraisals for internal banking officers in an accurate and timely manner. Provided banking officers with advise on market dynamics and real estate valuation methodologies. Participated in work-out solutions as well as property valuation, marketing, leasing and disposition strategies on Bank’s REO assets.· Appraisal process included inspecting subject property, collecting and analyzing market data to form an opinion of value, and presenting data and conclusions in a written report. · Property types included retail, office, multi-family, industrial, hotels, restaurants, special-purpose, and residential subdivisions. Asset values ranged from $250M to $15MM. · Achieved significant valuation experience to obtain MAI designation. Show less