Yoichi Kawamura

Enhanced value, Increased profitability, and reduced turnover in relation to a $500 million Commercial Real Estate (CRE) portfolio.

Underwrote new credit exposure and modifications to existing loans from $1 million to $65 million.

Analyzed client’s financial statements.

Evaluated collateral properties using rent rolls, property operating statements, and current commercial real estate market conditions looking at current rental rates, capitalization rates, and vacancy rates.

Performed annual loan reviews of both the Sponsor and collateral property.

Developed new worksheet processes to improve the quality of information to top management.

Recommended changes in policies and procedures as a member of the Underwriters’ Advisory Council—resulting in improvements to the credit application form.

Mitigated risk in the portfolio by reporting on covenant violations, problem loans, and potential problem loans on a quarterly basis.

Monitored booked loans for covenant compliance (e.g., Debt Yield [DY], Debt Service Coverage Ratios [DSCR], and liquidity covenants) as prescribed by the credit agreement.

Collaborated with loan officers to clarify borrower information and resolve discrepancies in application data.

Reviewed property appraisals and title reports to verify asset value and ownership details.

Achieved increased profitability by successfully underwriting complex loan transactions.

Strengthened client relationships through tailored modifications of existing loans.

Enhanced portfolio by uncovering and capitalizing on new business opportunities.

Loan portfolio consisted of commercial real estate (CRE), liquid secured, Employee Stock Ownership Plan (ESOP) financing, and life insurance premium financing (LIPF).

Designated as one of two underwriters in the office as CRE specialists and worked on CRE loans, including complex transactions involving unstabilized properties with holdbacks and step-up Debt Yields and Debt Service Coverage Ratios.

Assessed commercial real estate collateral through detailed analysis of operating statements and rent rolls.

Evaluated financial statements and tax returns to determine borrower eligibility and support lending decisions.

Compiled and analyzed financial information to create credit memorandums for loan approval.

Conducted annual reviews to ensure compliance and maintain the integrity of existing loan portfolios.

Memorialized quarterly portfolio review meetings.

Mentored new and junior underwriters.

Oversaw and evaluated an $800 million+ portfolio of high-end, high-balance residential loans.

Maximized bank recoveries on Bank REOs by negotiating a sales price that recovered the Bank’s loan principal and interest.

Reviewed and graded performing and non-performing loans.

Identified loans with elevated risk of default or delinquency by monitoring payment histories, credit checks, and title updates.

Reported loan defaults and recommended actions to Senior Management.

Projected possible delinquencies.

Worked with loan origination and loan servicing units to build consensus on loan grades and to determine strategies for upgrades.