Kaneez Rizvi
Farmingdale,NY
Summary
Skilled Financial Analyst with expertise in underwriting, loan analysis, and financial statement evaluation for multifamily and commercial real estate. Proficient in market research and data analysis. Capable of performing financial modeling, business valuation and forecast model. Bachelor's degree in Business Management with focus courses in Accounting, Corporate finance, Business Operation and International Business.
Overview
10
10
years of professional experience
Work History
Underwriting Analyst
Basis Investment Group
04.2023 - 08.2023
- Assist the Basis Multifamily Agency Team with market research, including utilizing Co-Star, REIS, and Bloomberg to conduct sales comp searches and to verify existing Loan data.
- Coordinate property site inspections with Freddie or Fannie, the engineer and appraiser at the start of each deal. Participate in both virtual and on-site inspections as required.
- Work with Basis Multifamily Agency Team to draft and review Loan Commitment Letters as assigned.
- Demonstrate competency in Microsoft Excel, Word, and Power Point programs as well as proprietary data systems such as Salesforce and on-line data research sources.
- Assist processing and closing department with incorporation of business terms into the loan/ancillary documents and post-closing obligations.
- Review due diligence documents for accuracy and compliance with Agency requirements during underwriting and prior to Loan submission.
Loan Portfolio Analyst-II
Signature Bank (Full Time-40hrs/week)
04.2022 - 08.2023
- Complete financial reviews of commercial real estate loans, Business loans and conduct property inspections of commercial real estate collaterals.
- Complete written reviews of individual loans including the completion of CRE PMU loan Summary Sheet.
- Review the adequacy of the debt service coverage, loan to value and loan risk rating and assist the team with market research, including utilizing Co-Star, REIS, and Bloomberg to conduct sales comp searches and to verify existing Loan data.
- Review Appraisals and Physical Risk Reports for consistency with property attributes.
- Update and maintain borrower checklists and Salesforce database for transaction assigned, Conduct googles searches and credit report searches on Key Principals to transactions assigned.
- Review the loan terms and compliance with banks policies including payment history and escrow holdbacks.
CRE Financial Analyst
New York Community Bank (Full Time-40hrs/week)
08.2019 - 04.2022
- Responsible for performing analysis of financial statements for residential and commercial mortgage loans.
- Reviewed current escrow balances as well as outstanding undertakings.
- Analyzed borrowers' financial statements, balance sheets, income & expense statements and rent rolls.
- Prepared credit offering memorandum covering key aspect of financial and credit risk elements.
- Coordinated with borrowers, managing agents, account officers, controllers, attorneys and brokers to verify financial information.
Operational Manager
CVS Pharmacy (Full Time-40hrs/week)
12.2017 - 08.2019
- Responsible for supporting the store manager in the total leadership and Strategic Operation of the store including overall store management, supervision and policy implementation.
- Created reports on inventory and sales in order to analyze selling trends and improved sales.
- Trained and mentored new employees, conducted trainings.
- Managed payroll, scheduling and budget.
- Assisted Customers with their questions, problems and complaints.
- Conducted interviews to meet staff demands.
Department manager
Walmart (Full Time-40hrs/week)
07.2013 - 08.2017
- Managed a team of 3-5 sales associates.
- Worked to resolve customer complaints.
- Strategized to increase department sales, reduce shrink and meet performance goals.
Education
Bachelors of Science - Business Management
Farmingdale State College
Farmingdale New York08-2017
Skills
- Underwriting & Loan Analysis
- Accrual Accounting & Journal Entry
- Analyzing borrowers' financial statements, balance sheets, income & expense statements, and rent rolls
- Financial review for commercial real estate loans and business loans
- Proficient in MS Excel (Pivot Table, Vlookup)
- ACBS, Salesforce, Fieserv, Little Rock, Miser, Nautilus and Oracle Plus
- Cash Flow, & Quantitative Forecasting
Accomplishments
Deans list Farmingdale State College August 2015
Awarded with recognition forAcademic Excellence with name on Dean List.
Walmart
Recognized for increasing sales and reducing shrinkages a department manager at Walmart.
Timeline
Underwriting Analyst
Basis Investment Group
04.2023 - 08.2023
Loan Portfolio Analyst-II
Signature Bank (Full Time-40hrs/week)
04.2022 - 08.2023
CRE Financial Analyst
New York Community Bank (Full Time-40hrs/week)
08.2019 - 04.2022
Operational Manager
CVS Pharmacy (Full Time-40hrs/week)
12.2017 - 08.2019
Department manager
Walmart (Full Time-40hrs/week)
07.2013 - 08.2017
Bachelors of Science - Business Management
Farmingdale State College
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