Tracee Johnson Email & Phone Number

Irvine, Ca

─ Performs comprehensive technical/specialized risk analysis of standard and complex client relationships consisting of $25MM+ in total exposure collateralized primarily by stabilized CRE assets (multi-family, retail, industrial, office).

Irvine, Ca

─ Provides real estate financing to professional real developers, investors, real estate investment trusts (REITs), real estate operating companies (REOCs) and investment funds active in major U.S. markets.─ Underwrites complex transactions including intricate borrowing structures.─ Conducts initial screening and analysis with a focus on identifying and assessing credit risk, evaluates market/industry conditions, project performance (existing and proforma), pricing/profitability, and refinanceability and presents recommendations to deal team and senior credit committee.─ Performs borrower and sponsor analysis with focus on creditworthiness while assessing risk based on review of financial statements, real estate portfolio schedules, and tax returns, credit bureau reports, and other supporting documentation to ensure pertinent credit related issues are addressed.─ Participates in loan administration and closings to include review of loan documents with legal counsel, appraisal, environmental and other third party reports, title insurance, rent rolls, tenant leases, tenant estoppels, SNDAs, and other documentation as required.─ Portfolio management to include review of current property operating reports, borrower/sponsor financials, and other reporting as required; conducts timely annual reviews, proactively indentifies material changes in financial conditions of the project, borrower and sponsor and makes risk assessments as determined by JPMC guidelines/policy and regulatory guidance.─ 18 months (2011-2013) as Credit Banker in the Managed Portfolio Group (MPG). Managed hWaMu term loan portfolio of +/- 75 loans/$138MM total exposure. Performed all aspects of portfolio management to include evaluating refinance requests and restructures.─ Knowledge and appropriate application of JPMC policies, standards, procedures and regulations germane to line of business.

Los Angeles/Ontario, Ca

─ Manage all aspects of the credit relationship. Worked directly with Relationship Manager to gather credit, financial and market information needed to analyze, assign credit risk, and make appropriate credit recommendations in line with the Firm’s policies, standards, procedures and regulations.

Loan Angeles, Ca

─ Analysis and execution of commercial real estate credit transactions within the U.S.─ Assessed credit risk via initial analysis of the project, sponsor and market.─ Provided assistance to Credit Manager as needed

Loan Angeles, Ca

─ Extensive underwriting and construction experience led to promotion to lead the construction lending business.─ Participated in all aspects of commercial real estate construction transaction process from screening and evaluating the project and budget to reviewing title insurance and endorsements, UCC, appraisals, credit bureau and other public record searches, drafting loan documents and maintaining complex spreadsheets for construction draws, tracking financials and operational performance of completed projects.

Los Angeles

─ Promoted from Senior Relationship Administration Officer to Credit Analyst.─ Analyzed financial statements, tax returns and project budgets, performed market research and risk evaluations and ensured loans were structured and priced consistent with Firm policy, portfolio management during the life of the loan.─ Prepared summary and credit approval reports documenting credit analysis and other information supporting final recommendations.─ Reviewed, analyzed and monitored appraisals, leases, rent rolls, loan documents and other related documentation.

Los Angeles

─ Responsible for all aspects of the loan closing and portfolio management process from engaging counsel and third party reports to the review of title insurance and endorsements, UCC, appraisals, credit bureau reports and other public record searches and post close loan disbursements and portfolio management.─ Created and maintained complex spreadsheets to track the financial and operational performance of the project and budget.

Master Of Business Administration (M.B.A.), Business Administration

Bachelor Of Science (B.S.), Business Administration

High School Diploma, College Prep/ Ap