Daniel Cline
Dover,NH
Summary
Dynamic real estate professional with extensive experience in financial modeling, curriculum development, and classroom management. Strengths include fostering student engagement, asset management, property management, lease negotiation, and market research. Adept at data visualization through the use of Tableau and Microsoft Excel. Promotes the use of real-world examples in case studies to encourage active group discussion in the classroom.
Overview
11
11
years of professional experience
Work History
Adjunct Professor - Real Estate Finance
University of New Hampshire
Durham, NH
01.2022 - Current
- Teaches a class in Real Estate Finance for undergraduates with a major or concentration in Business Administration: Finance, or pursuing a minor in Real Estate.
- SEL Student Surveys of the last 6 semesters had a response of 62 total students: 84% responded they would Recommend Strongly the course to other students whose academic preparation and program are like yours, 16% reported Recommend.
- Created course syllabus and contains classes specializing in subjects such as: Residential vs Commercial Property, Development, Profit & Loss Statement, Depreciation Schedules, Asset/Property Management, Leverage & Mortgages, RMBS & the 2008 Recession and various other topics
- Teaches students how to build out a pro forma in Excel from scratch, designed for the purchase of a 4-unit residential property.
- Students are required to conduct a market study throughout the semester, examining various real estate markets across the country.
- Final project requires students to put together a real estate investment deal, borrowing money from investor & bank, holding the property for 10 years and calculating rates of return, NPV, IRR
- Students must complete an in-depth market analysis, comparison analysis, SWOT analysis and calculate taxes using depreciation/recapture rates
Investment Analyst III - Commercial Mortgage Loans
Unum
Portland, ME
10.2021 - Current
- Promoted to Investment Analyst III in March of 2025
- Work in Asset Management Division, overseeing roughly 60 loans primarily in the southeast region
- Loan Portfolio contains Industrial, Multi-Family, Office and Retail property types
- Responsible for annual review of each loan by analyzing Income Statement, Balance Sheet, Tenant Rent Rolls, Property Inspection Report, Borrower Financial Statement, calculating NOI, DSCR, LTV of each loan and making recommendation on performance of each property
- Underwrite all loans in portfolio every three years using Co-Star to determine Vacancy Rates, Net Absorption Rates, Demographic Analysis to calculate price of collateral using NOI/Cap Rate; figure used for reporting
- Receive and respond to asset management requests from mortgage servicers which can include lease approvals, owner name changes, assumption loans, post-closing issues, and various other items
- Responsible for leading the closing process for all new loans in the Southeast Region
- Reviews and analyzes Commercial Leases, Estoppels, Phase 1, Property Condition Reports and other required documents
- Works with large loan data sets, creating data visualization for upper management using Tableau
- Leads team in creating and maintaining annual operating statement review process using Sharepoint and Microsoft Excel
Real Estate and Purchasing Manager
Goodwill of Northern New England
Gorham, ME
02.2020 - 10.2021
- Assisted in new store development and store relocation
- Created and managed pro-formas over five year timeline for new/relocation of stores
- Worked with demographic reports and retail trends to examine ideal locations for our customers
- Oversaw all leases for the company including all commercial leases for the stores in the ME, NH and Northern VT territory
- Negotiated multiple leases with various landlords for rent reduction or shorter term leases
- Analyzed and approved all CAM charges for entire portfolio
- Assisted in the property management of all properties, which included 72 commercial and residential properties
- Oversaw the Goodwill Vehicle Program, which included maintaining over 70 vehicles
Asset Manager/Property Manager
Suncrest Realty LLC.
Dover, NH
08.2014 - 01.2020
- Oversaw the entire leasing process for the company. Brought in outside property management company, negotiated rates and worked with them on management policies to increase profitability
- Worked with property management company on bids for landscaping, snow removal, and cleaning services
- Created CAPEX budget for following year, to both maintain and improve real estate portfolio
- Lead on the purchase of a 6-unit commercial property and the conversion to residential apartments
- Dealt with the city on zoning regulations to complete the conversion from commercial to residential
- Hired the general contractor and oversaw all work to completion on the conversion to residential apartments
- Conducted market research to find appropriate price point and potential value add on entire portfolio of apartments
- Calculated NPV and IRR on residential units with the most upside, and where business could maximize profit
- Created design plans for rental units, analyzing both material and labor costs to increase profitability for the lowest cost
- Used QuickBooks Pro to keep track of both accounts payable and receivable, forecasting, and analyze profit and loss statements for potential cost cutting
Education
Masters of Professional Studies - Real Estate
Georgetown University
Washington, DC12.2016
Bachelors of Science - Business Administration
University of New Hampshire
Durham, NH05.2008
Skills
- Pro-forma modeling
- Loan underwriting
- Data visualization
- Grading and evaluation
- Innovative teaching
- Public speaking
- Project-based learning
- Market research
- Lease negotiation
- Asset management
- Critical thinking
- Team collaboration
Timeline
Adjunct Professor - Real Estate Finance
University of New Hampshire
01.2022 - Current
Investment Analyst III - Commercial Mortgage Loans
Unum
10.2021 - Current
Real Estate and Purchasing Manager
Goodwill of Northern New England
02.2020 - 10.2021
Asset Manager/Property Manager
Suncrest Realty LLC.
08.2014 - 01.2020
Masters of Professional Studies - Real Estate
Georgetown University
Bachelors of Science - Business Administration
University of New Hampshire