T.J. Narayan Email & Phone Number

Dallas/Fort Worth Area

Provide management and leadership skills to monitor a $16 billion Fannie Mae and Freddie Mac multifamily portfolio transactions. Provide prompt and accurate analysis, and identify key underwriting issues and potential transaction risks. Work with Agencies on strategic and deal specific requirements. Prepare and present credit packages by analyzing the creditworthiness of the sponsorship and the Real Estate. Think critically and independently to identify and communicate all investment risks and… Show more Provide management and leadership skills to monitor a $16 billion Fannie Mae and Freddie Mac multifamily portfolio transactions. Provide prompt and accurate analysis, and identify key underwriting issues and potential transaction risks. Work with Agencies on strategic and deal specific requirements. Prepare and present credit packages by analyzing the creditworthiness of the sponsorship and the Real Estate. Think critically and independently to identify and communicate all investment risks and creatively structure deals to mitigate risk. Routinely review servicing agreements, and Agency Guidelines to ensure adherence• Closed 16 transactions and generated $700,000 in fees in 2019.• Closed 23 transactions and generated $900,000 in fees in 2020 Show less

Dallas/Fort Worth Area

READYCAP COMMERCIAL, LLC 2018 June to SeptemberCredit OfficerEvaluate business cash flow, real estate collateral review, and credit analysis as its acceptability for loan underwriting for various loan programs. Evaluate and review complex structures. Resolved credit and legal issues in the context of securitization. Managed entire underwriting through final approval and determination of the risk/reward for… Show more READYCAP COMMERCIAL, LLC 2018 June to SeptemberCredit OfficerEvaluate business cash flow, real estate collateral review, and credit analysis as its acceptability for loan underwriting for various loan programs. Evaluate and review complex structures. Resolved credit and legal issues in the context of securitization. Managed entire underwriting through final approval and determination of the risk/reward for securitization including managing the delivery of underwritten product to rating agencies. Show less

Dallas/Fort Worth Area

HUNT MORTGAGE GROUP 2011 to PresentVice President – Asset Management PLG Group Performed full scope of Asset Management duties for all of the properties in the PLG Group (Bridge Loans, Fixed Hold, C.D.O and Pre C.M.B.S. loans)Vice President – Portfolio Management (2011 -2014)Review, analyze, negotiate and process borrower requests for modifications and/or extensions of Agency loans and to… Show more HUNT MORTGAGE GROUP 2011 to PresentVice President – Asset Management PLG Group Performed full scope of Asset Management duties for all of the properties in the PLG Group (Bridge Loans, Fixed Hold, C.D.O and Pre C.M.B.S. loans)Vice President – Portfolio Management (2011 -2014)Review, analyze, negotiate and process borrower requests for modifications and/or extensions of Agency loans and to underwrite the request and make a recommendation for action. Work with Agencies on strategic and deal specific requirements. Develop a thorough understanding of the Company’s Policies and Practices and ensure such guidelines are consistently met. Routinely review servicing agreements, Agency Guidelines, etc. to ensure such documents are adhered to. • Closed 30 transactions and generated $1.1 Million in fees in 2013.• Closed 45 transactions and generated $2.6 Million in fees in 2014. Show less

Dallas/Fort Worth Area

Perform loan level credit risk evaluation for real estate transactions greater than $25million, including DUS, affordable debt, pool purchases, credit enhancement, DMBS transactions and other product lines as needed on a nationwide basis. Review Lenders' underwriting packages to ensure financing structures and underwriting quality are within acceptable risk parameters. Act as the relationship manager on issues related to the credit risk management functions within Fannie Mae and other lender… Show more Perform loan level credit risk evaluation for real estate transactions greater than $25million, including DUS, affordable debt, pool purchases, credit enhancement, DMBS transactions and other product lines as needed on a nationwide basis. Review Lenders' underwriting packages to ensure financing structures and underwriting quality are within acceptable risk parameters. Act as the relationship manager on issues related to the credit risk management functions within Fannie Mae and other lender organizations. Recommend pricing levels consistent with corporate guidelines. Prepare written transaction recommendation reports for Management. Coordinate and participate in Lender training & Participate in process and product enhancement and development.• Underwrote and Closed over $8 Billion in Multifamily Pool purchases in 2007• Underwrote and Closed over $2 Billion in Multifamily Pool purchases in 2008• National Team Leader for Inspecting 1020 loans in 9 major MSA’s in 2009• National Team Leader for Inspecting 1827 loans in 10 major MSA’s in 2010 Show less

Dallas/Fort Worth Area

Responsible for supporting Commercial Real Estate origination activities of the bank and help assist underwriting loans to Bank of Texas’ policies and procedures.Responsible for attainment of high quality loans, developing and implementing new programs, regulatory compliance, and problem resolutions relative to loan originations.Responsible for the management of the entire underwriting through final approval and determination of the risk/reward for commercial loans.

Dallas/Fort Worth Area

Senior Investment Officer – Capital Markets (1998 to 1999)Responsible for modeling cash flows and profitability analysis of structured finance transactions. Performed initial deal analysis, reverse engineering and valuation techniques. Experience in use of Wall Street Analytics software.• Underwrote and closed more than $100 million of CMBS loans in first year at AMRESCO and was instrumental in the redevelopment of the CMBS loan approval and documentation process.Senior… Show more Senior Investment Officer – Capital Markets (1998 to 1999)Responsible for modeling cash flows and profitability analysis of structured finance transactions. Performed initial deal analysis, reverse engineering and valuation techniques. Experience in use of Wall Street Analytics software.• Underwrote and closed more than $100 million of CMBS loans in first year at AMRESCO and was instrumental in the redevelopment of the CMBS loan approval and documentation process.Senior Investment Officer – Underwriting (1996-1998)Responsible for approval of loan structures for commitment by production group in compliance with ACC program guidelines. Manage a staff of underwriters. Responsible for resolving credit and legal issues in the context of securitization. Responsible for the management of the entire underwriting through final approval and determination of the risk/reward for securitization including managing the delivery of underwritten product to rating agencies for final securitization. Show less

Responsible for approval of loan structures for commitment by production group in compliance with ACC program guidelines. Manage a staff of underwriters. Responsible for resolving credit and legal issues in the context of securitization. Responsible for the management of the entire underwriting through final approval and determination of the risk/reward for securitization including managing the delivery of underwritten product to rating agencies for final securitization.

Greater New York City Area

Vice President - Real Estate (1985 to 1995) Managed regional real estate portfolio of Loans and Equities (totaling over 4 million square feet) located in Southwest, Midwest and Northeast markets. Performed full scope of asset management duties. • Developed and implemented a management/marketing program for all the apartment foreclosures (5000 units) in the Southwest. Achieved above… Show more Vice President - Real Estate (1985 to 1995) Managed regional real estate portfolio of Loans and Equities (totaling over 4 million square feet) located in Southwest, Midwest and Northeast markets. Performed full scope of asset management duties. • Developed and implemented a management/marketing program for all the apartment foreclosures (5000 units) in the Southwest. Achieved above market leasing results and occupancies in highly depressed and competitive markets.• Responsible for nine properties (including two 5 star Resort Hotels) in Phoenix. AZ. Set up division, hired staff, instituted systems and procedures. Developed marketing plans and designed turnaround situations for all the properties.• Acquired and monitored the activities of two property management companies in Kansas City and New Orleans.Director of Real Estate (1980 to 1984)Managed regional real estate portfolio of Loans and Equities located in Central and Northwest markets. On the Equity side of the portfolio, responsibilities included:• Developed and implemented marketing programs to achieve the optimum positioning of the individual assets within their respective markets.• Developed and implemented capital improvement strategies as appropriate to achieve the maximum short and long term financial benefits for the asset.• Employed appropriate financial analysis tools annually to guide sell versus hold decisions.• Upon determination of an asset sale, developed and oversaw comprehensive sales and marketing effort, including marketing plan and negotiations with brokers, buyers, and attorneys. On the Debt side of the portfolio, responsibilities included:• Continually monitored all loans in the assigned portfolio and accurately rated the quality of loans.• Managed foreclosure process, including bankruptcy management, when necessary. Show less

M.B.A., Finance & Investments

R.P.A, Real Estate Management

C.P.M, Real Estate Managemant

A.B.R, Real Estate Sales Management

S.R.E.S., Real Estate Sales Management