Rush Mars

Asses loan applications, conduct financial analyses, and build relationships with clients to understand their financial needs and goals. Work closely with borrowers, providing guidance and expertise throughout the loan application process, and ensures compliance with lending regulations and internal policies.

• Analyze financial data, including income statements, balance sheets, and cash flow projections, to determine the borrower's ability to repay the loan.
• Conduct thorough risk assessments by evaluating the borrower's industry, market conditions, collateral, and repayment capacity. Identify potential risks and propose appropriate risk mitigation strategies.
• Build and maintain strong relationships with clients, including business owners, executives, and stakeholders. Understand their unique financial needs, business objectives, and long-term goals. Provide personalized advice and guidance to help them make informed borrowing decisions.

Spearheaded the roll out of the DSCR commercial investor loan program. Lead a team of underwriters that identified UW compliance issues and specialized in post-closing audits. We provided underwriting resolutions to senior management in order to mitigate loan conditions prior to securitization sells in the secondary markets. Loan portfolios ranged from 50 -200 loans per securitization with a value of 30M plus.

• Managed timeline based projects for various lending companies such as Penny-Mac, Dominion Capital and Caliber Home Loans.
• Communicated findings and developed efficient reporting methods to streamline audit processes and securitization sells.

Promoted to Senior Underwriter in Fall of 2020. Originated 53 million in loan volume. Evaluated applications to determine repayment ability and appropriate risk classifications. Approved or declined commercial loan requests within assigned limits.

• Closed approximately 30-35 loans per month.
• Verified financial suitability and creditworthiness by reviewing tax returns, credit reports, bank statements, P&L's , balance sheets, debt schedules, personal financial statements and 3 year financial projections.

Developed and expanded a commercial lending team, trained processors, streamlined closing procedures, originated credit and non-credit opportunities, and expanded relationships to drive profitable revenue growth and quality underwriting.

• Assisted with originating, processing and disbursement of funded business Loans.
• Receive and review commercial loan applications from borrowers or loan officers. Verify the accuracy and completeness of application materials, ensuring that all required documentation and supporting information are included.

Reviewed loan applications and all pertinent facts to make repayment determinations, such as loan purpose, DSCR ratio, borrower's character, intended use of proceeds, loan limits, insurance and collateral recoveries.

• Applied financial procedures to analyze financial resources and determine an applicant's ability to repay requested loans.
• Issued term sheets and explained loan terms.

Led expansion of the Hilton brand in the global markets, increased sales revenue, and retained contracts with corporate clients. Presented brand sales presentations to Franchise Owners, Real Estate developers and REIT Fund Managers.

• Exceeded 2016 production goal. Generated 6 million in revenue.
• Negotiated and closed contracts with executive clientele, travel agencies and property managers.

Achieved 97% audit accuracy rating. Audited post closed mortgage loans according to FNMA, FHLMC, VA guidelines. Confirmed or Objected to UW's write ups. Reviewed loan docs and applicants financial and credit risk profile.

• Interpret credit agreements and other legal documents to determine which borrowers, guarantors and other parties to the agreements require set up in bank's system of record for future covenant compliance evaluation.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.