Ana Sanz-Cousin
Martinez,CA
Summary
A seasoned and versatile professional with 26 years of Commercial Real Estate Finance experience in varying roles within; documentation, credit review, CMBS servicing, loan closings, and portfolio management. My proficiency encompasses the entire loan processing lifecycle, bolstered by a robust skill set in customer service management, risk mitigation, and regulatory compliance. Knowledge of real estate foreclosure laws, commercial mortgage loan documents, cash management & lockboxes, and banking. Looking for a team-oriented organization that will allow me to utilize my expertise within the commercial real estate lending industry and grow with the firm.
Overview
23
23
years of professional experience
Work History
Assistant Vice President-Credit Review Analyst
Pacific Coast Bankers Bank
01.2019 - Current
- Responsible for review and approval of all proposed Interest Rate Hedge requests from Client Lenders.
- Approval Authority up to $5MM.
- View Client Lender's Credit Presentations, Appraisals, Survey's and Financials for qualifying metrics for Interest Rate Hedge Program.
- Ensure compliance with internal policies and regulatory requirements through diligent documentation of all swap credit decisions.
- Created swap credit policy, processes and procedures to maintain compliance with banking regulations.
- Commercial Loan Documentation review / sign off for Loan Participations of CRE Term Loans and RLOC's.
- Interpret / Review entity formation documents for signing authority, preliminary title reports, UCC's, Security Instruments, Property and GL Insurance Policies.
- Collaborated with underwriters to resolve any discrepancies or issues in loan documents, facilitating smooth transactions.
- Assist in Special Projects; Internal / External Audits, DSCR Yearly testing, collection of financials.
Assistant Vice President-Portfolio Manager
SitusAMC
01.2016 - 01.2019
- Manage all loan servicing functions for a portfolio of 88 CRE secured performing loans totaling $3.2 billion for company's top ten clients.
- Analyze and interpret complex loan documents to include Senior and Mezz debt, multiple note structures, construction and future fundings, and CLO Securitizations.
- Initiate preliminary loan boarding data, set-up loan specific covenant and financial monitoring requirements for Lender.
- Create and manage monthly waterfalls for multi-million cash managed loan structures.
- Collect and disburse all payments for remittance to Lenders, funding of impound accounts, and payment of property taxes and servicing fees.
- Prepare monthly cash remittance reporting for client per Servicing Agreements.
- Primary contact for clients Banking team and Asset Management personnel, Borrowers, Property Managers, Accountants, Mezz Lenders, and internal departments to research and resolve all loan inquiries as well as Deposit & Cash Managed bank account issues.
- Manage and oversee monthly reporting to client for reserve balance tracking and rebalancing requirements.
- Worked with Senior Management and Data Analysts to create and implement first automated waterfall processing model for our client which has since rolled out and effectively being used by company for all clients
- Review and final sign-off of payoff requests, escrow analysis, and operating expense disbursements
- Process Borrower future funding requests
- Reconcile and process loan payoff postings, termination and closure of Deposit and Cash Management Accounts, and payoff remittance reporting to client.
- Deliver exceptional customer service to client and Borrowers in very fast paced environment
- Collaborate and manage workflow inquiries processed by internal company departments
- Maintenance of loan servicing files and records to ensure compliance for internal audits, correspondent lender, and servicing requirements for client.
Asset Manager - Special Requests/Loan Sale Advisor
SitusAMC
01.2011 - 01.2016
- Assisted in negotiations of discounted payoff for empty single tenant office building in Nevada, CA and foreclosure of office building in Staples, TX which was sold at foreclosure sale.
- Processed all incoming Lender Consents for performing CMBS loan transactions such as; Lease Reviews, Property Management changes, Collateral Substitutions, Partial Releases, SNDA's and Loan Assumptions.
- Prepared business plans for Investment Committee review and approval from bondholders.
- Managed internal pipeline
- Facilitated and executed transaction closings for Assumptions.
- Prepared semi-annual reporting of processed Consents for Rating Agencies
- Trained new hires.
- Selected by Management to start new business venture program for Situs with Auction.com for sales of qualified CMBS defaulted loans and small balance Performing and Non-Performing Loans
- Developed and documented internal process implemented for note sale listings.
- Created Due Diligence packages and Data Tapes.
- Handled all incoming inquiries from potential investors addressing delinquency status, legal actions taken, foreclosure process, and collateral information.
Senior Asset Analyst
SitusAMC
01.2008 - 01.2010
- Began tenure as one of the first 5 employees when Helios started in January 2008 with position title of Asset Analyst
- Prior to obtaining our Special Servicing rating designation I assisted in developing policies and procedures for Special Servicing focusing on duties of the Asset Analyst and overall servicing requirements per Pooling and Servicing Agreements.
- Worked with the development team for the proprietary servicing system Midas with specifications for our servicing database along with testing.
- Upon receiving our Special Servicing designation actively administered a portfolio of 30- 40 CMBS Specially Serviced loans
- Provide training Analysts hired over the course of the next two years.
- Specific Asset Analyst duties included; Review of loan documents and Pooling & Servicing Agreements
- Reconciliation of payment postings
- Preparation of OSARS, Non-Waiver Letters, Reinstatement Amounts,
- Assist Counsel / Asset Managers with the preparation of Default Letters, Forbearance Agreements, Loan Modifications, Appointment of Court Ordered Receivers, Deed-in-Lieu transactions.
- Review of monthly trustee reporting.
Senior Asset Analyst
Capmark - F/K/A GMAC Commercial Mortgage Group
01.2002 - 01.2008
- Responsible for daily administration of assigned portfolio of approximately 40-50 non and sub performing CMBS commercial mortgage loans.
- Assist Asset Managers in day-to-day monitoring of loans with completion of various related tasks including, borrower covenant monitoring and reporting; assisting with preparation of asset business plans, payoff reviews, preparation of Notice of Default amounts and Reinstatement Notices / Reinstatement scenarios, reconciliation of payment postings.
- Assist in preparation of transactional agreements relating to asset specific workouts.
- Work with Lenders counsel on resolution strategies to include; discounted payoffs, note sales, foreclosure sales, modifications.
- Selected by management to serve two-week bilingual training on company's proprietary system for employees of Lend Lease acquisition in Mexico City Office.
- Selected by Management to travel to Texas office multiple times to train team of Asset Analysts
- Interact daily with external primary mortgage loan servicers and provided instructions, under direction of asset manager, with respect to servicing of commercial mortgage loans.
- Responsible for adherence to all required compliance requirements per Servicing Agreements and Loan Documents.
- Responsible for monthly preparation and remittance of monthly Trustee Reporting on 6-10 specific assigned portfolios.
Loan Administrator
First Bank & Trust
09.2001 - 04.2002
- Prepare Commercial CRE and SBA loan documentation and escrow instructions.
- Responsible for funding draws requested by clients and processing loan payment requests.
- Monitor disbursements and boarding of loans.
- Review; CFI LaserPro documents, purchase agreements, leases, corporate documents, LLC operating agreements, trust agreements, preliminary title reports
- Follow-up and sign off of post closing items; Certificates of insurance, Alta policies, Life insurance policies, Financial Statements.
- Prepare past due and matured loan reports.
- Order; Credit reports, Duns and Bradstreet reports, property profiles, flood certificates.
Education
Real Estate Principles -
Skyline College
San BrunoFinancial Accounting -
Skyline College
San Bruno, CAGeneral Education -
College of San Mateo
San Mateo01.1997
Skills
- Interpretation of complex Commercial Legal documents including; Intercreditor Agreements, Pooling and Servicing Agreements, Cash Management Agreements
- Resourceful, creative, and innovative with ability to seek solutions
- Cross-Functional Teamwork
- Excellent written and verbal communication skills to interact professionally with internal / external customers
- Ability to analyze and synthesize data to identify targets and performance goals
Languages
Spanish
Native or Bilingual
Timeline
Assistant Vice President-Credit Review Analyst
Pacific Coast Bankers Bank
01.2019 - Current
Assistant Vice President-Portfolio Manager
SitusAMC
01.2016 - 01.2019
Asset Manager - Special Requests/Loan Sale Advisor
SitusAMC
01.2011 - 01.2016
Senior Asset Analyst
SitusAMC
01.2008 - 01.2010
Senior Asset Analyst
Capmark - F/K/A GMAC Commercial Mortgage Group
01.2002 - 01.2008
Loan Administrator
First Bank & Trust
09.2001 - 04.2002
Real Estate Principles -
Skyline College
Financial Accounting -
Skyline College
General Education -
College of San Mateo
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