Christopher Howell
Orlando
Summary
Results-driven commercial credit professional with 2+ years of experience in analyzing and underwriting commercial real estate loans. Leveraged technical skills to automate processes (reducing review time by 30%) and served as subject-matter expert for Sageworks. Holds a Moody’s Analytics Credit Certificate and aims to contribute to a dynamic underwriting team with a focus on portfolio quality and operational excellence.
Overview
5
5
years of professional experience
Work History
Commercial Credit Analyst
Fairwinds Credit Union
Orlando
04.2024 - Current
- Developed comprehensive credit memorandums and presentations that articulated key risks, mitigants, and a clear recommendation, securing committee approval for commercial loans.
- Consistently exceeded monthly targets of closing complex real estate financing deals, demonstrating reliable throughput and time management.
- Proactively identified a workflow bottleneck and engineered a custom CoPilot agent to automate lease abstraction, reducing review time per deal by an estimated 30% and enhancing team-wide efficiency.
- Served as the team’s Sageworks SME; leveraged deep proficiency in the software for efficient financial spreading while also designing and leading training sessions for all new hires.
- Leveraged strong relationship skills to partner closely with loan officers from origination to closing, ensuring alignment and seamless communication throughout the underwriting process.
- Utilized nCino for efficient loan origination, documentation, and portfolio monitoring in alignment with credit policy.
Lead Loan Administrator
SS&C Technologies
New York City
10.2021 - 04.2024
- Apply risk management strategies to oversee and record data for commercial real estate loan portfolios exceeding 5 billion in AUM.
- Developed 7 new automated reports to accurately monitor loan activity and mitigate errors which improved data quality by 20%.
- Analyzed credit and loan agreements with a keen focus on detail, which led to significant 10% decrease in loan servicing errors.
- Utilize Excel/SQL to keep record and accurately generate more than 200 loan statements per month to meet tight deadlines of our clientele.
- Perform daily and monthly loan balance/GL reconciliation with a pipeline of 300 loans.
- Established and maintain effective communication channels with over 20+ regional banks and prominent real estate investment firms in New York Metropolitan area.
- Created a communication process which resulted in 50% decrease in time spent during month-end loan servicing.
- SS&C is the world’s largest independent hedge fund and private equity administrator
Jr. Underwriter/Mortgage processor
Morgan Financial
Florida
08.2020 - 10.2021
- Process mortgage applications for VA and Conventional mortgage lender.
- Managed a pipeline of 40-60 processing files for home refinances or purchases.
- Gathered, analyzed and validated all documents required for loan approval and submitted to underwriting.
- Analyzed financial status, credit and property evaluation to determine credit worthiness for Borrowers.
- Morgan Financial is a Conventional and VA Mortgage lender who strives for a 10 day Clear to Close
Risk Management Summer Internship
Fairwinds Credit Union
Orlando
- Conducted policy and compliance audits to mitigate internal and external risks
- Maintained records of vendor insurance policies
- Cooperated with on-site security department to prevent risk to employees and infrastructure
- Completed loan and credit card application audits
- Created a policy and compliance audit that measured identity verification for new accounts
Education
Bachelor of Science - Risk Management/Insurance
FLORIDA STATE UNIVERSITY, College of Business
Tallahassee, FLSkills
- Financial Statement Spreading
- Loan Structuring
- Risk Rating
- Covenant Analysis
- Portfolio Monitoring
- Sageworks
- CoStar
- CoPilot
- NCino
- Excel Data Manipulation
- Financial Formulas
- Vlookup
- Pivot Tables
- Credit Memorandum Writing
- Process Optimization
- Training & Mentoring
- Moody’s Analytics Commercial Lending Credit Certificate
Timeline
Commercial Credit Analyst
Fairwinds Credit Union
04.2024 - Current
Lead Loan Administrator
SS&C Technologies
10.2021 - 04.2024
Jr. Underwriter/Mortgage processor
Morgan Financial
08.2020 - 10.2021
Risk Management Summer Internship
Fairwinds Credit Union
Bachelor of Science - Risk Management/Insurance
FLORIDA STATE UNIVERSITY, College of Business