KEVIN PARKER

Job Scope: Managed a diverse portfolio of 100+ affordable multi-family assets with LIHTCs, ensuring comprehensive oversight and strategic growth.

• Analyzed key risks and mitigants, project performance, market conditions, covenant analysis, and historical financial analysis, ensuring appropriate internal rating for over 100 Perm loan facilities.
• Improved the accuracy of property valuations by performing internal assessments and reviewed external appraisals based on current market conditions and overall performance of the property.
• Monitored and analyzed financial performance trends, including rent collections, debt service coverage ratios, and reserve levels, identifying variances from underwriting projections and recommending corrective strategies.
• Proactively identified issues that warrant additional investigation and internal discussion such as declining occupancy below u/w projections, stressed debt service coverage ratio below 1.0x, depleted operating reserves and declining property conditions which may violate federal (HUD) and local agency housing quality standards.
• Reviewed and validated financial statements, rent rolls, and operating reports from property management teams to ensure data accuracy and compliance with investor and agency requirements.
• Presented quarterly financial performance reports and budget variance analyses to senior management, providing actionable insights to support strategic portfolio decisions.
• Communicated effectively with developers, property management, and business partners to maintain strong relationships and prevent emerging risks such as loss of HAP contract or loan default.
• Supported the credit administration and risk management functions by maintaining accurate documentation, ensuring adherence to internal policies, and aligning practices with regulatory expectations.
• Managed a team of three analysts by overseeing projects, managing workload, leading team meetings, completing annual performance assessments, and providing training as needed.

Job Scope: Managed the risk analysis and approval of a portfolio of construction and permanent multifamily loans including New Market Tax Credits (NMTC) and Low-Income Housing Tax Credits (LIHTC).

• Assigned Internal credit ratings and managed credit risk limits in accordance with the established risk tolerance thresholds for over 100 facilities.
• Conducted in-depth risk analysis of financial and operational performance, ratio calculation and analysis, and, where appropriate, covenant analysis, financial projections and sensitivity analysis to ensure facilities were operating within underwriting standards.
• Analyzed real estate market dynamics, including trends in capitalization rates, rent growth, and absorption to support underwriting and investment decisions.
• Reviewed property operating agreements to confirm guarantee structures, reserve requirements, distribution of funds, and borrower structure to ensure accuracy and compliance.
• Supported transaction execution through comprehensive risk assessments, documentation reviews, and collaboration with internal committees and external stakeholders.
• Developed action plans by creating DSCR, expense ratio, vacancy and delinquency triggers; facilitating reduced risk exposure on classified assets.
• Conducted site visits to assess construction and rehab progress to ensure completion timeline was being met.

Job Scope: Managed a portfolio of 100+ U.S municipalities and not-for-profit entities ranging from transportation, utilities, healthcare, education, counties, cities, states, and school districts.

• Assigned Internal credit ratings and managed credit risk limits in accordance with regulatory and established risk tolerance thresholds.
• Endorsed approval recommendations on various Requests for Proposals and sponsoring memos related to Letter of Credits, Standby Bond Purchase Agreements, IR SWAPs, Direct Purchase, loan, and cash management products.
• Collaborated with cross-functional teams to resolve credit facility excesses and optimize financial capacity.
• Enhanced portfolio performance monitoring through improved reporting frameworks and early-warning risk indicators, leading to stronger asset oversight and reduced loss exposure.
• Performed written counterparty credit analysis and due diligence to identify possible deterioration of credit and ensure facility is properly aligned with rating and classification status.
• Presented on current conditions and outlook on specific municipal sectors to senior management.

• Managed global reporting of high settlement risk derivative and FX trades exceeding 100 million in exposure.
• Performed credit analysis and approval as well as interfacing with senior management, traders, and sales teams.
• Ensured derivative and FX transactions were properly mapped by researching and communicating with trading desk.
• Managed a portfolio of 80 Short Term Trading and Investment Agreement Counterparties.
• Collaborated with bankers and risk managers to resolve credit facility excesses and create additional capacity.