Resume for grad programs - Please critique
Hi All,
I'm submitting my resume to some MS in real estate programs and would like to get it critiqued. It's been a while since its been redone and I'd like everyone's honest opinion. I don't know how good its got to be but I would like to clean it up and help it to sell myself better to the schools. Thank you.
PROFESSIONAL EXPERIENCE
FOREIGN BANK OWNED LEASING CORPORATION New York, N.Y.
Assistant Vice President - Senior Credit Analyst March 2008 – Present
• Conducted in-depth financial statement analysis and detailed reporting for syndicated leasing transactions with deal sizes between $200K and $10 million.
• Structured and underwrote various credit facilities for publicly traded companies in the following industries: Insurance, Healthcare, IT, Manufacturing, Construction, and Transportation.
FOREIGN BANK OWNED LEASING CORPORATION New York, N.Y.
Vice President – Lease Syndications Buy Desk April 2007 – January 2008
• Originated $10 million in lease portfolio acquisitions and non-recourse debt placements generating over $500K in pre-tax income.
• Established and supported vendor financing programs for construction cranes, machine tool equipment, printing presses, and plastic injection molding machines responsible for generating annual new business flow in excess of $5 million.
• Managed a $100 million client portfolio consisting of direct originations, lease assignments, and vendor financing leases.
• Underwrote and structured small and middle ticket transactions after having analyzed credit worthiness of original lenders and lessees, loan structure, risk return profile of deal, historical profit and loss performance, industry competitiveness, cash flow projections, and collateral valuations.
US BANK OWNED LEASING CORPORATION New York, N.Y
Assistant Vice President – Senior Credit Analyst June 2006 – April 2007
• Conducted in-depth financial statement analysis and detailed reporting for indirect and direct leasing transactions with deal sizes between $200K and $5 million while maintaining an approval ratio of 95%.
• Provided analytical services as part of lending team. Analyzed/evaluated corporate financial statements, corporate and personal tax returns, personal financial statements, and bank and trade references. Developed pro-forma statements and cash flow projections.
• Documented credit adjudication findings and prepared independent recommendations on advisability of granting lease/loan financing to corporate and individual borrowers.
- Structured and underwrote various credit facilities for clients in the following industries: Healthcare, Printing, Manufacturing, Construction, and Transportation.
FOREIGN BANK OWNED LEASING CORPORATION New York, N.Y.
Vice President – Credit & Marketing 2005 – June 2006
• Originated and underwrote $30 million in small-ticket portfolio acquisitions, vendor financing leases, and middle-ticket lease assignments generating more than $1.5 million in pre-tax income.
• Developed three new lease syndication relationships that have accounted for over $10 million in new funding business.
• Drafted and negotiated legal documentation pertaining to lease assignments and dealer referred transactions.
• Supervised one AVP level Credit Analyst and was responsible for conducting employee training and performance appraisals.
Assistant Vice President – Credit Risk 2004 – 2005
• Conducted in-depth financial statement analysis and detailed reporting for small and middle ticket leasing portfolio acquisitions, lease securitizations, and vendor financing deals. Negotiated deal terms and conditions and pricing, consulted with outside counsel on drafting of legal documentation, and conducted funding of transactions.
• Managed on-going credit risk of leasing client portfolio with total exposure in excess of $150 million. Reduced processing time of credit applications by 50% while increasing average monthly funding volume by $4 million. Maintained delinquency levels below 1% with no reported losses.
TOP 3 CAPTIVE EQUIPMENT FINANCING COMPANY New York, N.Y.
Commercial Finance Deal Structurer 2002 – 2004
• Structured the pricing for a portfolio of asset based lending transactions for credit facilities totaling $700 million.
• Priced over ten major syndicated working capital loan commitments for distributors and resellers of the company's equipment.
• Conducted internal compliance and operations audits for both the Commercial and Customer financing pricing organizations, and implemented corrective actions resulting in savings of over $100,000 annually.
Senior Pricing Analyst 2000 – 2002
• Oversaw systems analysis for the company’s lease pricing system covering all financing transactions for the US and EMEA regions.
• Implemented pricing methodology in support of over 40 pricers and 100 field sales representatives.
• Formulated and implemented a simplified pricing process for major PC leasing customers resulting in annual savings of $60,000.
• Authored 15 procedural manuals detailing various facets of equipment leasing and software/services financing.
ACADEMIC EXPERIENCE
2ND TIER PRIVATE UNIVERSITY – SCHOOL OF MANAGEMENT N.Y.
Teaching Assistantship – Department of Quantitative Methods August 1999 – May 2000
EDUCATION
Community College, Calculus I, II, and III; Differential Equations; Fall 2001-Spring 2004
2nd tier private University, MBA in Finance and Accounting; 2000
SUNY, B.A. in Psychology; 1996
TECHNOLOGY SKILLS
All Microsoft Office applications, KMV, Moody’s RiskCalc, CreditEdge, Bloomberg, Lease Sales Manager, Lease Plus