William T. Criesi
Patchogue,NY
Summary
Driven and detail-oriented professional with a strong track record of managing multiple tasks efficiently while delivering high-quality results. Seeking to leverage my skills in finance, banking, and applied economics in a role focused on data analysis, budget management, underwriting, and other key financial functions.
Overview
6
6
years of professional experience
Work History
Flagstar ((Formerly New York Community Bank))
Hicksville, NY
06.2022 - Current
- Prepare credit approval summaries, risk ratings, and ROE analyses for properties valued at $1MM to $100MM, presented to credit committees
- Conduct cash flow analysis for refinances, purchases, and modifications with fixed, swap, and floating interest rates.
- Ensure loan compliance with policies by resizing loans and adding credit enhancements to mitigate risk.
- Identify and escalate issues like declining property performance, stressed DSCR, and depleted reserves.
- Review commitment letters to verify loan terms, conditions, and HMDA compliance.
- Assess borrowers' financial conditions through personal financial statements, bank statements, and real estate holdings.
- Analyze and adjust income/expense data for accurate reporting and compliance for the income and expense department.
- Risk-rate multifamily, mixed-use, office, and retail properties on failing loans, contributing to mitigation strategies for the asset management department.
- Address borrower inquiries, request updated documentation (e.g., rent rolls), and coordinate appraisal requests.
Assistant Regional Operations Manager
American Pool
Islandia, NY
09.2018 - 06.2022
- Oversaw operations for 30-45 commercial pools, training lifeguards and supervisors on policies and procedures.
Education
Bachelor of Science - Business Management And Applied Economics
SUNY Farmingdale State College
Farmingdale 05-2022
Skills
- Microsoft Office Suite Programs
- Google Workspace
- R Studio
- Newgen
- Fiserv DNA
- Nautilus
- Rent Regulation Laws (CA, NJ, NY)
- Underwriting Principles
- Cash Flow Analysis
- Market Research
Timeline
Flagstar ((Formerly New York Community Bank))
06.2022 - Current
Assistant Regional Operations Manager
American Pool
09.2018 - 06.2022
Bachelor of Science - Business Management And Applied Economics
SUNY Farmingdale State College
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