Lyla Dwyer
Henderson,NV
Summary
Residential Property Manager and former Commercial Loan Portfolio Manager with experience in financial analysis, creating comprehensive written reports, collaboration with colleagues and participation in loan committee meetings. Bringing strong financial, analytical, written communication and administrative skills.
Overview
24
24
years of professional experience
Work History
Residential Property Manager
Windermere Anthem Hills, LLC
07.2012 - Current
- Assist in managing portfolio of approximately 100 residential rentals.
- Assist in building workflow processes in LeadSimple for future employees.
- Onboard tenants, process rental applications and execute lease documents.
- Property inspections and oversight of urgent repairs with multiple vendors.
- Attend to monthly accounts payable duties.
- Generate monthly income and cash flow statements for investment clients.
- Approve monthly owner distributions of over $135k.
Residential Appraiser
Dwyer Home Appraisals, LLC
03.2010 - 06.2012
- Worked under Certified Residential Appraiser to learn trade best practices.
- Analyzed property location, sales trends and estimated replacement costs.
- Identified and gathered information on nearby comparable properties.
Commercial Credit Analyst for Workout Loans
Irwin Union Bank
03.2009 - 09.2009
- Worked closely with asset management of the Salt Lake City, UT commercial loan portfolio in the day-to-day management and resolution of non-performing loans.
- Analyzed periodic financial statements and collateral values to determine ongoing creditworthiness and risk rating of distressed borrowers.
- Worked with Relationship Managers to provide recommendations for restructuring of past due loans as needed.
Portfolio Manager II
Irwin Union Bank
09.2006 - 04.2008
- Compiled written reports for loan committee that included proposed loan structure, historical and budgeted financial analysis, collateral valuation, owner/guarantor financials, and recommendation for approval or denial.
- Oversaw integrity of loan portfolio by analyzing ongoing periodic financial statements to review compliance with loan covenants and update risk ratings..
- Worked closely with Relationship Managers to structure loan proposals.
- Met with potential borrowers to learn more about their business operations and gather additional information.
- Worked primarily on real estate development and construction loans, with some emphasis on commercial and industrial borrowers.
- Promoted from Portfolio Manager I in February 2007.
Credit Analyst
Community Central Bank
04.2004 - 08.2006
- Prepared reports for commercial loan requests, with a primary emphasis on commercial and industrial loans.
- Participated in commercial loan committee meetings.
- Advised on new procedures and workflow in commercial credit analysis department.
- Reviewed and advised on commerical loan committee reports of junior credit analyst.
- Collaborated with Senior Management to create a uniform risk rating approach for borrowers.
- Assisted in Bank implementation of PBiz loan factoring program.
- Performed periodic inventory inspections for working capital lines of credit.
Commercial Underwriter
Liberty Bank
02.2003 - 02.2004
- Spread financial statements and tax returns.
- Prepared commerical loan committee reports for small business and farm loans.
- Compiled periodic reports for Directors and Internal Audit Committee.
Commercial Loan Assistant
Liberty Bank
04.2001 - 01.2003
- Facilitated loan closings by drafting documents, boarding loans on company software, calculating and disbursing loan proceeds, and ensuring lien perfection.
- Monitored ongoing insurance and financial reporting requirements.
- Administered participation loan transactions and file maintenance.
- Performed progress inspections for construction lines of credit.
Assistant Branch Manager
Liberty Bank
08.2000 - 03.2001
- Balanced office general ledgers each day.
- Oversaw bank teller functions.
- Worked with bank clients to open accounts and promote services.
Education
Bachelor of Arts - Finance
Drake University
Des Moines, IA05.1999
Skills
- Proficient in Microsoft Office and Apple iWork
- Adept at spreading financial statements
- Experience extrapolating budgeted financials
- Collaborate and work well with others, with supervisory experience
- Robust written communication skills
- Strong financial analysis skills
- Practiced at monitoring for compliance and reporting
- Focused attention to detail and organizational systems
Timeline
Residential Property Manager
Windermere Anthem Hills, LLC
07.2012 - Current
Residential Appraiser
Dwyer Home Appraisals, LLC
03.2010 - 06.2012
Commercial Credit Analyst for Workout Loans
Irwin Union Bank
03.2009 - 09.2009
Portfolio Manager II
Irwin Union Bank
09.2006 - 04.2008
Credit Analyst
Community Central Bank
04.2004 - 08.2006
Commercial Underwriter
Liberty Bank
02.2003 - 02.2004
Commercial Loan Assistant
Liberty Bank
04.2001 - 01.2003
Assistant Branch Manager
Liberty Bank
08.2000 - 03.2001
Bachelor of Arts - Finance
Drake University
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