Thomas Molloy Email & Phone Number

Parsippany-Troy Hills, Nj, Us

Rutherford , New Jersey, Us

Evaluate and Underwrite Commercial Mortgage transactions including acquisition, modification, construction or refinance for multifamily, mixed-use, office, retail, healthcare and specialty types of buildings in exposures of up to $25MM.Review and analyze financial statements and due diligence including rent rolls, leases, income statements, organizational documents, credit reports, personal financial statements and tax returns.Review and analyze third party reports including appraisal reports, environmental reports, and other reports as needed.Assess risk of loan transactions and recommend credit enhancements to facilitate approval of loans.Review existing templates and design new templates to be used by CRE team as well as review and prepare guidelines for the underwriting CRE on an as needed basis.Participate in Abrigo/Sageworks integration and modification to better facilitate the needs for the CRE credit team.Review and prescreen all CRE transactions including specialty and construction.

Computer Building and Maintenance: Self-taught skills in hardware assembly, customization, and optimization.Server Management : Independent management and optimization of servers, focusing on efficiency, reliability, and scalability.Proxmox Cluster Management: Managed a cluster of 6 nodes with 20-30 VMs/LXC containers with custom built consumer and business class PCs. Programs and apps are described below. Operating Systems include Ubuntu,Debian, and Windows 10/11.Network and Security Enhancements: Managed a personal VPN and mesh network for over 90 devices, enhancing network security and performance.Pi-hole Administration: Implemented a Pi-hole DNS server with added DHCP server, blocking 1 million addresses and significantly reducing ads.Docker/Portainer Projects: Managed 10 containers across 5 instances for various applications, using Python scripts, reverse proxys, dynamic dns, code servers, bookmarking, blockchain and dashboards.Language Model and AI Integration: Integrated 3B-7B models and local Stable Diffusion models, for coding, data analysis and image generation.Bot Development for Telegram and Discord: created bots for automating data reporting and communication.Network Attached Storage (NAS) Management: Built and maintained a NAS system with over 20 TB, showcasing skills in data storage and management.

Elmwood Park, New Jersey, Us

Evaluated and Underwrote Commercial Mortgage transactions including acquisition, modification or refinance for multifamily, mixed-use, office, retail and other types of buildings and aiding the department in meeting there goals for 2 years consecutively.Successfully presented, discussed and mitigated those loans requiring committee approval.Reviewed existing templates and design new templates to be used by the Commercial Lending department as well as reviewed and recommended policy for the underwriting team.Participated in the credit review and eventual acquisition of a potential bank merger candidate.Participated in further construction lending education.

Ridgewood, New York, Us

Analyzed Commercial Mortgage transactions including acquisition, modification or refinance for multifamily, mixed-use, office, retail and other types of buildings in aggregate of $500MM.Successfully led the Underwriting team through significant work flow changes alongside increased budget goals and new system integrations resulting in increased growth for the bank.Reviewed existing templates and designed new templates to be used by the Commercial Lending department as well as review and prepare policy for the underwriting team.Lead Underwriter on the Loan Operating System (CreditQuest) in regards to design and workflow as well as team lead in testing of the system.

Hicksville, New York, Us

Assessed and underwrote commercial mortgage transactions including acquisition, modification and refinance for approximately 100 transactions in aggregate of $500MMEnsured due diligence through reviewing and analyzing financial statements including rent rolls, leases, income statements and personal financial statementsReviewed third party reports including appraisal reports, environmental reports, and additional reports Assessed risk of loan transactions and recommended credit enhancements to facilitate approval of the loan

New York, New York, Us

Monitored the performance of the Bank's entire $300MM commercial real estate loan portfolioAssessed borrower compliance with performance hurdles, loan covenants, and other loan structural elementsDeveloped and evaluated resolution alternatives, recommended optimum strategy for troubled/distressed assetsAssessed loan risk and reviewed portfolio quarterly for potential risk rating changesReviewed and modified existing procedures as well as created and implemented new policies and proceduresCreated several new bank forms and redesigned the portfolio management forms, tracking templates, and procedures to increase departmental and Bank efficiency

Mclean, Va, Us

Managed $200MM in commercial mortgage relationships as Asset Manager such as performing risk rating and comprehensive annual reviews of propertiesUnderwrote new and existing deals including commercial mortgages as well as lines of credit, letters of credit, and ACH's to Commercial Real Estate customersConducted site inspections of approximately 50 propertiesMentored, trained and managed new employee team members on systems and bank processes as Senior AnalystReported quarterly on watch status properties due to cash flow problems, damage, or relationship issuesMitigated the risks associated with the aforementioned loans to reduce potential losses by successfully managing several properties and loans that deteriorated, preparing necessary paperwork and providing solutions

Morristown, New Jersey, Us

Developed expertise in branch banking including platform positions such as Customer Service Representative, Assistant Manager and Manager positionsSuccessfully led the Teller line at several branches by overseeing efficient flow of deposits and customer satisfactionCross-sold products and provided referrals to investment representatives, increasing banks capital and income