REBECA C. JOHNSTON
Manhasset,NY
Summary
Seasoned professional with over 30 years of experience in commercial real estate. finance Expertise in financial analysis, forecasting, restructuring, credit analysis, loan originations and strategic initiatives. Proven track record in team building and project oversight, driving successful outcomes across diverse projects.
Overview
35
35
years of professional experience
Work History
Managing Director- Real Estate Group
Emigrant Realty Finance
New York
01.2012 - Current
- Tripled lending relationships over twelve years, generating over $5MM in front-end fees in last 24 months.
- Supervise a team of four analysts, guiding monitoring of construction loans and preparing credit proposals.
- Present credit recommendations to the Chairman based on thorough macro and micro analysis.
- Led restructuring of eight loans during COVID, including deed-in-lieu arrangements.
Guest Lecturer
Cornell University
01.2021 - 01.2022
- Delivered lectures on Real Estate Transactions and Deal Structure for graduate students at the Baker Real Estate Program at Cornell.
- Facilitated discussions to enhance understanding of complex real estate concepts.
- Developed course materials and resources to support student learning objectives.
Independent Contractor
Raven Rock
09.2008 - 11.2011
- Provided analytical services to corporations and financial institutions.
- Assisted in the restructure of a complex hotel loan with various debt classes
- Developed a projection model to allow for hotel cash flow forecaasting
- Interacted with legal counsel on executing legal documents
- Trained a staff of 7 professionals on how to prepare a multi-year hotel forecast
Vice President- Real Estate Group
CALYON (formerly Credit Lyonnais)
New York
11.1998 - 08.2008
- Managed ongoing maintenance and monitoring of loan portfolio with eight borrowers totaling $225 million.
- Supervised analysts on complex, time-sensitive projects to enhance operational efficiency.
- Prepared credit proposals and loan modifications by creating projection models and conducting sensitivity analysis.
- Reviewed financial statements, tax returns, and cash flow statements of borrowers and guarantors.
- Presented credit recommendations to senior management for informed decision-making.
- Reviewed appraisals and negotiated loan documents along with third-party due diligence items.
Assistant Vice President- Credit Risk Management
CALYON (formerly Credit Lyonnais)
04.1997 - 04.1998
- Completed an 18-month formal training program focused on analyzing credit applications from commercial groups.
- Analyzed credit applications across industries including lodging, real estate, telecommunications, transportation, oil and gas, and healthcare.
Assistant Treasurer- Controller's Division
CALYON (formerly Credit Lyonnais)
03.1995 - 04.1997
- Supervised two analysts in daily P&L generation and reconciliation for Treasury and Trading Department.
- Reviewed Treasury products including foreign exchange, interest rate swaps, and fixed income instruments.
- Prepared and presented monthly accounting reports to senior management, ensuring clear visibility of financial performance.
Assistant Treasurer- Middle Office
ING BANK
New York, NY
11.1993 - 03.1995
- Generated daily P&L reports for bank's proprietary operations.
- Covered products included foreign exchange, derivatives, and fixed income.
Senior Auditor- Capital Markets Division
CITICORP
New York, NY
05.1993 - 11.1993
- Supervised a team of three staff auditors on diverse projects.
- Prepared audit reports for senior management presentations.
Auditor - International and Capital Markets Division
BANK OF NEW YORK
New York, NY
05.1990 - 05.1993
- Conducted audits of the bank's capital market products and international branch offices, including Tokyo, Osaka, Seoul, Pusan, Caracas, Rio de Janeiro, and Buenos Aires.
- Compiled audit findings for presentation to senior management.
Education
MBA - Finance
St. John's University
Jamaica, New York01.1990
Bachelor of Science - Marketing
St. John's University
Jamaica, New York01.1988
Skills
- Spanish fluency
- Financial modeling
- Loan restructuring
- Credit analysis
- Portfolio management
- Market analysis
- Mentoring and training
- Microsoft Office
- Argus
Timeline
Guest Lecturer
Cornell University
01.2021 - 01.2022
Managing Director- Real Estate Group
Emigrant Realty Finance
01.2012 - Current
Independent Contractor
Raven Rock
09.2008 - 11.2011
Vice President- Real Estate Group
CALYON (formerly Credit Lyonnais)
11.1998 - 08.2008
Assistant Vice President- Credit Risk Management
CALYON (formerly Credit Lyonnais)
04.1997 - 04.1998
Assistant Treasurer- Controller's Division
CALYON (formerly Credit Lyonnais)
03.1995 - 04.1997
Assistant Treasurer- Middle Office
ING BANK
11.1993 - 03.1995
Senior Auditor- Capital Markets Division
CITICORP
05.1993 - 11.1993
Auditor - International and Capital Markets Division
BANK OF NEW YORK
05.1990 - 05.1993
MBA - Finance
St. John's University
Bachelor of Science - Marketing
St. John's University
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