Samantha Clark
Atlanta,CA
Summary
Commercial Real Estate Analyst with experience managing and underwriting CRE loan portfolios ranging from $2M to $100M+. Skilled in financial modeling, credit risk assessment, and market analysis using Excel, Moody’s CreditLens, and CoStar. Adept at collaborating with relationship managers and credit teams to maintain portfolio integrity and mitigate risk. Participant in a bank-wide AI pilot, focused on automating manual credit and portfolio processes to enhance efficiency and decision-making.
Overview
4
4
years of professional experience
Work History
Commercial Real Estate Analyst
TRUIST
Atlanta, GA
07.2024 - Current
- Manage and monitor a commercial real estate loan portfolio, conducting ongoing credit analysis and risk assessments to ensure asset quality and compliance with underwriting standards.
- Perform detailed financial modeling and cash flow analysis in Excel to evaluate property performance, borrower strength, and loan risk across multiple asset classes.
- Underwrite and reassess credit exposures using Moody’s CreditLens.
- Conducted site visits to evaluate property conditions firsthand, providing valuable insights into asset management strategies.
- Leverage market intelligence tools such as CoStar to analyze property-level and macroeconomic trends impacting portfolio performance.
- Partner cross-functionally with relationship managers and credit teams to maintain accurate risk ratings and support informed lending decisions throughout the lifecycle of each deal.
- Identify emerging risks within the portfolio and proactively recommend risk mitigation strategies.
- Contribute to a bank-wide AI implementation pilot, testing and optimizing automation tools designed to streamline manual credit and portfolio management processes.
- Collaborate with internal teams to evaluate process inefficiencies and support the integration of AI-driven solutions to enhance productivity and decision-making.
Commercial Real Estate Summer Analyst
Truist
Atlanta, GA
05.2023 - 08.2023
- Worked on the Commercial Real Estate Portfolio Management Credit Delivery Team as a summer analyst where I managed over $100MM transactions
- Modeled Income Producing Loan (IPL) statements on excel in order to produce and analyze Risk Ratings via Moody’s Credit Lens
- Modeled Interest Reserve Estimators (IRE’s) in excel to accurately analyze and size risk associated with construction loans
- Analyzed the risk associated with the certain loans (construction, stabilized, etc.) in order to accurately manage the portfolio
- Created Risk Ratings, File Update Memo’s, and assisted in Annual Review’s; all part of updating and managing the portfolio
- Became proficient in navigating Loan Agreements and Guarantee Agreements
Shadow Experience
Atlanta Fine Homes
Atlanta, GA
07.2022 - 08.2022
- Gained insight on how a luxury brokerage maintains their finances and their connection to their clients
- Developed personal and professional relationships through events with 5+ agents and lenders
- Coordinated and cultivated the necessary items for a broker’s open in order for the event to run seamlessly
Education
Bachelor of Business Administration - Real Estate
The University of Georgia
Athens, GA05-2024
Skills
- Technical Skills: Financial Modeling, Credit Analysis, CRE Underwriting, Excel (Advanced), Moody’s CreditLens, CoStar
- Additional Skills: Market Analysis, Risk Assessment, Cross-Functional Collaboration, Process Improvement, Adaptability
Timeline
Commercial Real Estate Analyst
TRUIST
07.2024 - Current
Commercial Real Estate Summer Analyst
Truist
05.2023 - 08.2023
Shadow Experience
Atlanta Fine Homes
07.2022 - 08.2022
Bachelor of Business Administration - Real Estate
The University of Georgia
COMMUNITY INVOLVEMENT
Sigma Kappa Sorority, Member, Athens, GA, 2020-08, 2022-08, Built personal relationships with 200+ women including those on the National Board of Executives, Collaborated with 500+ members to fundraise on average $50,000 for the Alzheimer’s Association, Focused on leadership development by taking initiative within my chapter to help develop Philanthropic events within the community