Ramon Hernandez

• Underwrite approximately four loan originations per quarter, conducting comprehensive proforma analysis, borrower financial assessment, and thorough market analysis to mitigate risks. Execute rigorous initial and ongoing due diligence for CRE transactions, including evaluating appraisals, scrutinizing loan documents, performing market research, and sensitivity analysis to ensure informed decision-making. Assess and translate internal and syndicate loan documents to enforce financial covenants, monitor trigger events, and ensure general loan compliance, promptly identifying and escalating potential issues. Build and foster trusted relationships with new analysts through formal/informal mentorship, leading systems, and technical training sessions to enhance team proficiency.
• - Promoted from Officer to Assistant Vice President via exceptional performance.
• - Successfully maintained commercial real estate (CRE) portfolio of commitments exceeding $1.2B, including non-recourse term loans, recourse term loans, and construction loans, spanning across a variety of asset types such as hospitality, industrial, life science, multifamily, office, and retail.
• - Played a key role in processing extensions, payoffs, and amendments, summarizing critical metrics in memorandums, and delivering verbal updates to senior management.
• - Spearheaded development of multifamily case study, implemented across national CRE recruiting platform at U.S. Bank, and presented case study and recruiting materials to real estate student organizations at three local universities.

• Executed thorough guarantor analysis on multiple entities, including Real Estate Operating Companies (REOCs), Real Estate Investment Trusts (REITs), Funds, and Individual Investors, focusing on key metrics such as leverage, fixed charge coverage, and debt/EBITDA ratios. Additionally, conducted detailed real estate schedule analysis to inform decision-making processes.
• - Assessed and underwrote approximately 20 commercial real estate loans quarterly and analyzed risk related to cash flow, loan-to-value (LTV) ratio, occupancy rates, covenant compliance, and construction timelines through Excel-based models.

• Actively engaged in comprehensive twelve-week national training program emphasizing underwriting fundamentals across diverse product types, including hospitality, industrial, multifamily, office, and retail. Assessed construction budgets, draw reports, and inspection reports, auditing construction timeliness, subcontractor buy-out, contingency alignment, and forecasting interest reserve adequacy to ensure project viability and mitigate risks. Conducted market research data to ascertain and validate assumptions, leveraging third-party sources such as market surveys, enhancing accuracy and reliability of underwriting analyses.
• - Excelled in technical underwriting training, demonstrating exceptional aptitude and proficiency in complex underwriting concepts and practices.
• - Selected by CRE Underwriting management to represent new talent within the group, showcasing leadership potential and expertise in the field.
• - Engaged in regular meetings with executive management to develop a strategy aimed at enhancing training programs for future new hires, contributing valuable insights and recommendations to drive continuous improvement and excellence in talent development.

Assisted property manager with daily operations of 20 buildings (300 apartment units) throughout Los Angeles.

• Conducted health and safety compliance inspections with City of Los Angeles inspectors.

• Scheduled and facilitated walk-through meetings for recently vacated units to assess the condition of units.

• Utilized Microsoft Office to create advertisements for vacant units.

• Coordinated meetings between dozens of vendors and on-site managers.