Summary
Overview
Work History
Education
Skills
Applicationproficiencies
Complianceexpertise
Community Service
Timeline
Generic

CARL F. HELANDER III

Dover,NH

Summary

Experienced banking professional with extensive experience in various positions ranging from Branch Manager, Commercial Loan, and Collections Officer. Forward-thinking individual with a broad-based knowledge of retail, small business, real estate lending, and commercial loan policy with years of resolving credit disputes. Skilled at educating banking customers about products and promoting services to meet banking needs. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.

Overview

34
34
years of professional experience

Work History

Credit Analyst and in-house real estate appraiser

Bank of New England

Credit Analyst

Plymouth Home National Bank

Commercial Workout Officer

SANTANDER BANK, NA
04.2001 - 11.2023
  • Maximize all aspects of collections of substandard business banking, leasing, and real estate relationships
  • Primary focus on loan recoveries while minimizing losses
  • Partnered with customers to reconstruct existing debts with Bank and SBA standards
  • Assisted both internal and external attorneys including court experience to pursue all rights and remedies for legal proceedings
  • Analyzed loans and collateral to evaluate accrual status and required charge-off, risk ratings, etc
  • Maintained customer relationships to obtain relevant information and negotiate modifications or forbearances within policy
  • Created and presented analysis of financials, loan offerings with quarterly reporting to upper- level management.

Commercial Real Estate Lender

SANTANDER BANK, NA
05.2005 - 01.2009
  • Managed commercial real estate loans to companies for the construction of small to mid-sized projects including subdivisions, multi-tenanted, and office buildings
  • Analyzed projected cash flow, rent roll analysis using Argus, and self-generated spreadsheets for smaller properties utilized by underwriting within the corporation
  • Reviewed and assessed lease agreements in partnership with internal and external counsel in preparation and execution of documentation to create and book new loans, extensions, and modifications
  • Evaluated and rated the loan quarterly according to bank policies and guidelines.

Corporate In-House Real Estate Appraiser

SANTANDER BANK, NA
04.2001 - 01.2009
  • One of three original corporate in-house real estate appraisers for Santander Bank formerly Sovereign Bancorp
  • Responsibilities included ordering, reviewing, and approving real estate appraisals for all property types throughout the United States
  • Additional roles included assisting the automotive floor-plan group with valuation of collateral and supporting the real estate lending group with extensive cash flow analysis for all property types
  • Created and delivered detailed reports for upper-level management on a quarterly and annual basis.

Realty Services International (Subsidiary of GMAC) Appraiser

Wellesley
05.1990 - 04.2001
  • Staff appraiser inspecting and completing appraisals for all property types specializing in large apartment complexes and multi-tenanted buildings along the east coast of the United States
  • Responsible for due diligence projects for large loan pool sales throughout the United States
  • Tasked with extensive cash flow analysis, research and verification of comparable sales to arrive at a valuation
  • Partnered and collaborated with commercial realtors and property managers.

Education

BS Accounting with a minor in Finance -

Bentley University (Formerly Bentley College)
Waltham, MA
01.1987

Skills

  • Collections
  • Sales and Business Development
  • Branch Operations Management
  • Banking Regulations and Procedures
  • Networking / Team Player
  • Legal documentation, collaboration with outside legal counsels
  • Consumer, Commercial Lending and Refinance
  • Customer Service and Support

Applicationproficiencies

Word, Excel. AFS Loan Accounting, Salesforce / nCino.

Complianceexpertise

AML, KYC, CDD OFAC, SCRA, Truth in lending, SBA PDK’s

Community Service

  • Freemason, Assistant Treasurer, 2015, Present
  • Dover Parent Music Group, Assistant Treasurer, 2023, Present
  • Dover Little League, Baseball coach, 2009, 2014

Timeline

Commercial Real Estate Lender

SANTANDER BANK, NA
05.2005 - 01.2009

Commercial Workout Officer

SANTANDER BANK, NA
04.2001 - 11.2023

Corporate In-House Real Estate Appraiser

SANTANDER BANK, NA
04.2001 - 01.2009

Realty Services International (Subsidiary of GMAC) Appraiser

Wellesley
05.1990 - 04.2001

Credit Analyst and in-house real estate appraiser

Bank of New England

Credit Analyst

Plymouth Home National Bank

BS Accounting with a minor in Finance -

Bentley University (Formerly Bentley College)

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CARL F. HELANDER III