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Thomas S. | Elance
 
176985602337900
Last Sign-in: Nov 18, 2011

Thomas S.

Experienced Credit Analyst
   United States
  |   Nottingham, MD
  |  6:45 pm Local Time

Overview

I have 8+ years of experience in commercial credit underwriting and financial analysis. For the past three years, I have been managing the commercial credit department of a community bank with more than $1.3 billion in assets.

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Skills (2)

Tested
Microsoft Excel
Real Estate Cash Flow Analysis

Service Description

My professional experience includes the underwriting and review of a wide range of real estate transactions to include owner occupied and investment properties, commercial construction and residential development. Deals have included single tenant special-purpose properties, anchored strip-malls, multifamily rentals, and 100+ unit apartment complexes. I have performed financial analyses in support of heavy equipment, leasehold improvement, and accounts receivable financing. The businesses I have analyzed range from start-ups to well capitalized mature companies.

The various techniques utilized in my underwriting include a historical trend analysis, cash flow analysis, pro-forma/projection modeling, stress testing, collateral analysis, management evaluation, and debt repayment capacity. In support of each analysis I routinely utilize diverse mix of financial information to include accountant prepared statements, tax returns, and internal/company-prepared information.

Expert in all things Excel.

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Education

State University of New York College at Cortland
Bachelors of Science in Business Economics
- 2002

Keywords

Excel
P&L
Real Estate
Financial Analysis
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Identity
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TSSIII
Type
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Member Since
February 2011
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Thomas S. | Elance

Thomas S.