Terri Wyzkoski
Fairfax,VA
Summary
Highly seasoned commercial lender armed with 20+ years of experience originating commercial facilities of every size, type, and purpose, and assessing their risk. Utilizing a consultative approach with each client, keen analytical and communication skills are then employed to deliver custom-tailored financial solutions. Known for being highly responsive and forthright.
Overview
11
11
years of professional experience
Work History
Commercial Real Estate Lender
Navy Federal Credit Union
12.2022 - Current
- Attentive to member requests, contributing guidance, and translating their needs and objectives into applicable loan products, structures, and terms that match the members' purposes.
- Collect, review and evaluate financial and other necessary information examining the viability of a request in which I consider ownership breakdown, loan structure, repayment-ability, guarantor(s)' financial strength, including net worth and liquidity, and the collateral securing the facility.
- Collaborate with credit analysts to evaluate commercial loan applications as a team to ensure a full and accurate risk assessment.
- Facilitate seamless member transactions maintaining open and collaborative communications among all internal and external participants, including members, underwriting, attorneys, and closing teams.
- Augment portfolio growth by developing and fostering strong relationships with existing members by reaching out to a minimum of 30 calls per week to existing business members introducing them the Commercial Lending Team, their dedicated advocate, and the lending products and services offered, followed up by emails with contact information.
- Monitor industry trends, as well as competitors' rates, products and services, to communicate these trends up to leadership, and use the information for creative license and/or to move away from weakening industries, but perhaps only in certain geographic areas.
Executive Managing Director
CN VALOR Capital, LLC
10.2018 - 05.2022
- Established a boutique mortgage brokerage firm that employs a most distinctive approach to ensuring rapid lender interest and/or decisions that benefit of all transaction participants.
- Sourced, underwrote, and produced credit presentations analogous to Bank Credit Memos one would see presented at Executive Loan Committees, with the goal of ensuring the Loan Officer and the Chief Credit Officer could easily and quickly determine the viability of a credit, as each request presented to them established greater creditability and less scrutiny over time.
- Established a vast nationwide network of funding sources and intermediaries, including community, regional, national and international banks, insurance companies, family offices, and private funds.
- Hired, trained, and mentored a small team of analysts and portfolio managers in setting a standard for high quality work without sacrificing productivity, by aligning them with a very nice vested interest in each deal they produced that closed.
SVP / Chief Credit Officer
REALATOM, INC.
02.2018 - 09.2018
- Secured vital lending partnerships with financial institutions, insurance companies, hard money lenders, and private fund lenders across the US, expanding market reach and enhancing this Fintech's reputation with many industry leaders.
- Represented the organization and networked with customers, prospects and partners at conferences and trade shows introducing this CRE Finech automated platform, and the value-add benefits that are unique to each.
- Produced a script for the four contact center sales people, as well as a list of of questions to ask and documents to request on each type, all of which would be provided to me to vet the loan request, but not without explaining why each type of request may require something different - which fostered a continuous learning culture among us.
- Provided consistent feedback on the processes and software improvement for the benefit of both the Lender, in terms of their immediate requirements to vet a loan request, and the Borrowers for how much or how little can they provide before a package can be sent to a Lender.
VP / Commercial Real Estate Lender
Burke & Herbert Bank
10.2013 - 10.2017
- Managed a diverse $300 million loan portfolio adopted when I started, and still balanced focus and effort on closing new business primarily from a network of CRE investors, developers, builders, professional service providers, and many government contractors relationships developed over many years.
- Prioritized client retention and new client development by providing exceptional service during all stages of the borrowing experience, engendering strong long-term relationships.
- Provided training and mentorship to lesser seasoned lenders within a collaborative team environment focused on exceptional customer service.
- Achieved and exceeded 2017 annual goals before the end of the 3rd quarter - exceeding deposit goals by 150% and loan goals by 50%.
- Executed goals in 2015 and 2016 also exceeding loan goals by 50% in both years, and deposit and fee goals by 75% and 50%, respectively.
- Reduced delinquency rates completely in seven months on the adopted portfolio with more than 50% of the individual facilities past due, which included almost 60 past due renewals.
Education
Bachelor of Science - Accounting
Georgia State University
Atlanta, GA05-1996
Skills
- Documentation review
- Loan origination
- Client relationship building
- Team collaboration
- Adaptability and flexibility
- Attention to detail
- Credit analysis
- Risk analysis and mitigation
- Credit Decisions
- Debt restructuring
- Operational efficiency improvement
- CRM software
Timeline
Commercial Real Estate Lender
Navy Federal Credit Union
12.2022 - Current
Executive Managing Director
CN VALOR Capital, LLC
10.2018 - 05.2022
SVP / Chief Credit Officer
REALATOM, INC.
02.2018 - 09.2018
VP / Commercial Real Estate Lender
Burke & Herbert Bank
10.2013 - 10.2017
Bachelor of Science - Accounting
Georgia State University
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