ERIKAN ATTAH
Gardena,CA
Summary
Commercial banking and portfolio management professional with 4+ years of experience in credit underwriting, financial analysis, and portfolio risk management across commercial real estate lending. Experienced in financial statement spreading, covenant monitoring, annual reviews, and preparation of detailed credit memorandums for senior management and risk committees. Strong background in analyzing borrower cash flow, collateral performance, repayment capacity, and transaction risk while partnering closely with relationship managers to structure and monitor complex lending relationships. Proven ability to manage competing priorities, communicate effectively across teams, and independently support loan underwriting and portfolio administration in fast-paced banking environments.
Overview
5
5
years of professional experience
Work History
Credit Officer Associate | Portfolio Management
J.P. Morgan Chase & Co.
Irvine, CA
11.2022 - Current
- Manage and service a $350MM–$500MM portfolio of criticized and classified commercial real estate loans, monitoring borrower operating performance, collateral cash flows, covenant compliance, and market conditions to mitigate credit risk exposure.
- Perform advanced financial spreading, credit grading, and portfolio risk analysis across using key underwriting metrics including DSCR, LTV, debt yield, leverage, and liquidity analysis.
- Prepare detailed credit reviews and surveillance reporting for senior credit committees, synthesizing financial analysis, sponsor evaluations, market trends, and risk mitigation strategies.
- Partner with underwriting, asset management, and operations teams on restructurings, covenant modifications, and enhanced monitoring plans for higher-risk transactions.
- Support ongoing loan servicing functions including portfolio monitoring, borrower communication, documentation tracking, and issue resolution across complex lending relationships.
- Analyze portfolio trends and market conditions to identify early-stage deterioration risks and recommend corrective actions to preserve capital and reduce loss exposure.
Credit Administration Analyst | Commercial Banking Operations
J.P. Morgan Chase & Co.
Irvine, CA
06.2021 - 11.2022
- Supported underwriting and portfolio administration for 850+ commercial real estate loans through financial analysis, borrower evaluation, and collateral review using Excel-based financial models.
- Analyzed multifamily and income-producing property portfolios totaling $10B+ in exposure, incorporating market research, operating trends, and macroeconomic indicators into portfolio risk assessments.
- Assisted with documentation review, loan boarding, covenant tracking, and portfolio reporting to support ongoing servicing and compliance processes.
- Improved operational efficiency by 10% across 3,700+ loans through process optimization initiatives, reducing underwriting and administrative workload by approximately 480 hours per quarter.
- Developed and implemented a training and onboarding program for commercial banking operations, training 10+ senior loan coordinators and accelerating onboarding for 20+ new hires.
Education
Bachelor of Arts - Business Administration, Emphasis in Finance & Accounting
University of California, Irvine, Paul Merage School of Business
Irvine, CA06-2021
Skills
- Financial: Financial Modeling, Credit Analysis, Portfolio Management, Covenant Monitoring, Loan Surveillance, Commercial Real Estate Underwriting
- Software: Microsoft Excel (PivotTables, VLOOKUP, Financial Models), PowerPoint, Tableau, CoStar, CBRE Market Research Tools, Microsoft Teams
- Additional: Moody's Risk Analyst (Familiarity), S&P; Capital IQ (Familiarity)
Timeline
Credit Officer Associate | Portfolio Management
J.P. Morgan Chase & Co.
11.2022 - Current
Credit Administration Analyst | Commercial Banking Operations
J.P. Morgan Chase & Co.
06.2021 - 11.2022
Bachelor of Arts - Business Administration, Emphasis in Finance & Accounting
University of California, Irvine, Paul Merage School of Business
Activities
Credit & Commercial Banking Research (Independent)
- Conduct independent research on commercial banking, credit markets, and commercial real estate fundamentals to deepen expertise in underwriting, portfolio management, and risk assessment.
- Evaluate sample lending opportunities through financial statement analysis, cash flow assessment, collateral review, and repayment structure analysis to identify key transaction risks and mitigants.
- Monitor market conditions, interest rate trends, and borrower operating performance to assess impacts on credit quality, covenant compliance, and overall portfolio risk exposure.