Marina A. Miller
Cedar Rapids,IA
Summary
Results-driven, ambitious, and self-motivated professional with over five years of experience in LIHTC, Section 8 Affordable Housing, a good understanding of financial stability and risks, providing prompt and accurate services for internal and external clients ranging from individuals to large financial institutions, with over 15 years of experience in finance, accounting, and tax practice. Strong in multitasking, time management, organizing, and analytical skills. Devoted, adaptive, and dynamic with a solid commitment to corporate principles, excellent interpersonal and customer service skills, attention to detail, the ability to work quickly and precisely, and an established track record of outstanding customer service while managing and coaching others.
Overview
16
16
years of professional experience
Work History
LIHTC UNDERWRITER, AVP
Regions Bank
11.2021 - Current
- Responsible for evaluating and underwriting low-income housing
tax credit (LIHTC) investments and construction/bridge loans;
identified and mitigated risk in existing and proposed transactions
• Prepared comprehensive executive summaries of proposed
investments for review by an internal committee and investor
approval for $2MM-$40MM transactions
• Reviewed and Analyzed historical and projected financial data.
Created and maintained financial models, operating expense
analyses, and sensitivity analyses
• Coordinated initial closing, ordered and reviewed third-party
reports, and conducted site visits.
• Performed due diligence and the review of loan documents.
Responded to developer and investor inquiries with underwriting
and due diligence questions
• Oversaw the financial and operational due diligence process for
loan transactions, including ordering and evaluating appraisals,
market studies, project capital need assessments, and
environmental studies. Analyzed credit, income, compliance, title
documents, environmental and appraisal reports during the
underwriting process
• Successfully closed 13 lower-tier transactions with over $160MM in
equity in the last 12 months.
PORTFOLIO DEAL MANAGER
Finance Of America Commercial
12.2020 - 11.2021
- Established long-term commercial partnerships with clients and the
community.
•
Served as a direct point of contact for customers to gather all due
diligence required for fulfillment vendor/s to originate the loan.
•
Assessed loan applications, confirmed receipt of due diligence
items, considered value, and property condition reports, underwrote
cash flow, analyzed borrower and market strength, and assisted
with closing.
•
Obtained and analyzed due diligence items including guarantor
financials, market study/appraisal, environmental studies,
andfinancing documents.
•
Maintained and managed strong relationships with existing clients
and prospects.
PORTFOLIO OFFICER/ MANAGER / LIHTC UNDERWRITER
Cedar Rapids Bank & Trust
12.2018 - 10.2020
- •
Reviewed and underwrote credit requests/credit memos for
$1MM-$25MM construction to perm and perm notes, assisting with
loan closings, portfolio management of LIHTC equity investments,
HTC bridge loans, and secured/unsecured line of credits
•
Experienced with taxable and tax-exempt notes, LIHTC, Section 8
affordable housing, and Historic Tax Credits
•
Worked with borrowers, counsels, developers, and investors by
gathering and reviewing due diligence items for closing.
Participated in all closing calls, prepared/reviewed/presented credit
memoranda for committee approval
•
Responsible for examining, evaluating, and underwriting credit
applications to assess risk, compliance with guidelines and all
regulatory requirements, and render credit decision
•
Reviewed and analyzed borrower profiles, credit reports, market
study reports, title reports, income and assets documentation,
including complex business returns and financials
•
• Reviewed appraisals for accurate property valuation
Evaluated debt ratio, loan-to-value ratios, credit history, updated
sensitivity analysis, and guarantor's exposure.
SENIOR FINANCIAL ANALYST
AEGON Asset Management
05.2016 - 12.2018
- Led or assisted in multimillion capital management transactions for 55+ upper-tier multi-investor funds; investor capital contributions, estimated upcoming cash needs; reviewed incoming and outgoing wires; calculated cash distributions, tax losses, and tax credits to investors; expense processing and monitoring cash balances of all funds.
- Managed benefit schedules for 80+ investors and financial institutions
- Completed monthly and quarterly reporting for ongoing modeling for newly closed transactions, annual true-up, estimated tax benefits, and yearly calculations
- Performed complex analytical modeling to support structuring and optimization of potential new transactions
- Reviewed statistical information to determine financial trends for use in investment planning
INTERMEDIATE ACCOUNTANT Accountant
Transamerica Life Insurance Company
09.2007 - 05.2016
- Specialized in tax compliance and accounting, handling life insurance and investment plans for more than 14 million clients
- Prepared Financial statements and reporting with multiple bases of accounting
- Managed Premium Tax Accounting and Compliance team of few individuals for monthly, quarterly, and annual processes, such as yearend requests and divisional allocations
- Prepared combined and consolidated returns and state tax payments. Reviewed Premium Tax returns and estimates for core life insurance companies with tax payments of more than $100 million per year
- Estimated tax credit capacity for each state to claim tax credits on returns
- Supervised partnership tax accounting and compliance team, quarterly tax provision processes for life insurance companies
Education
On-line Courses - Affordable Housing And Real Estate Development
Commercial Real Estate Underwriting
2020
Certification - Affordable Housing And Real Estate Development
Novogradac Affordable Housing
AEGON Asset Management2017
On-line Courses -
The Management Certification Program
AEGON Asset Management2015
Certification -
The Cultural Transition Process
Partners In Leadership2014
Certification -
FLMI/LOMA Courses
2011
Master’s Degree - Accounting & Economics
Sumy National Agrarian University
2001
Bachelor of Arts - Accounting
Sumy National Agrarian University
2000
Skills
- LIHTC underwriting and HUD programs
- Tax Credits, 9% and 4%
- Debt and Equity Loan Underwriting
- Credit Analysis/Credit Presentations
- Lower Tier Closings
- Portfolio Management/Asset Management
- Risk Assessment & Management
- Tax Returns & Analysis
- Audits & Merger acquisitions
- Relationship Management
- Tax Compliance & Accounting
- Financial Analysis/Evaluation
- Real Estate Finance
- Systems and Applications: Closer, CreditLens/Moody's Analytics, RAROC, Boarding Data Sheet, Encompass, LexisNexis, Fiserv Signature Bank Platform, Baker Hill Financial Statement Analyst Software, RIMs Appraisal Software, E-Forms; Vertex, Mainframe, Lacerte, QuickBooks, Knowledge Lake
- Project Oversight
- Process Improvement
- Coaching and Mentoring
- Risk and Mitigation Analysis
- Commercial Lending and Refinance
- Account Management
- Partnerships and Affiliations
- Verbal and Written Communication
- Approachable and Outgoing
- Adaptable and Flexible
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
LIHTC UNDERWRITER, AVP
Regions Bank
11.2021 - Current
PORTFOLIO DEAL MANAGER
Finance Of America Commercial
12.2020 - 11.2021
PORTFOLIO OFFICER/ MANAGER / LIHTC UNDERWRITER
Cedar Rapids Bank & Trust
12.2018 - 10.2020
SENIOR FINANCIAL ANALYST
AEGON Asset Management
05.2016 - 12.2018
INTERMEDIATE ACCOUNTANT Accountant
Transamerica Life Insurance Company
09.2007 - 05.2016
On-line Courses - Affordable Housing And Real Estate Development
Commercial Real Estate Underwriting
Certification - Affordable Housing And Real Estate Development
Novogradac Affordable Housing
Certification -
The Management Certification Program
Certification -
The Cultural Transition Process
Certification -
FLMI/LOMA Courses
Master’s Degree - Accounting & Economics
Sumy National Agrarian University
Bachelor of Arts - Accounting
Sumy National Agrarian University
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