Real Estate Practitioners Institute

Denise M. Smyth

SUMMARY OF QUALIFICATIONS
Accomplished real estate lender, team leader, and client manager with origination, portfolio management, workout, and underwriting skills. Results oriented professional with money center bank credit training and excellent quantitative and qualitative skills. Strong management leadership capabilities and proven communication proficiency both oral and written, including significant interaction with senior management.

SIGNIFICANT ACCOMPLISHMENTS AND EXPERIENCE
Bank of America, Manhattan, New York

Team Leader, Senior Vice President
Commercial Real Estate Bank

11/05 to Present

• Act as a strategic financial advisor to the client.
• Primarily responsible for growing market share by expanding current client base and generate new business.
• Effectively managed a portfolio of clients assisting them to achieve their overall goals.
• Direct and coordinate team members in analysis and execution in delivery of debt and as well as the full breadth of services offered to clients.
• Proven experience creating and executing on a customer focused action plan. Portfolio size $750 million/Annual Revenue $25 million.
• Responsible for the management of two senior client managers and two financial credit analysts with respect to analysis and execution in the effective delivery of debt and related products and services to clients and prospects until December 2007.
• Guide and coach team to success.

Senior Relationship Manager, Senior Vice President
Commercial Real Estate Bank

10/04 to 11/05

• Responsible for providing financial products and services to a portfolio of clients.
• Annual Revenue of $10 million.
• Engage in strategic dialogue with real estate developers/ investors regarding liquidity, treasury management, and capital raising alternatives.
• Performed written and oral presentations of credit proposals to loan committee.
• Identified appropriate advisory solutions and cross-sold a full range of products and services.
• Active member in local community organizations in New York Metro area.

Relationship Manager, Vice President

04/98 to 10/04

• Developed new loan business to new and existing real estate developers/investors.
• Annual Revenue $5 million
• Developed strong customer relationships and competitive advantage by creatively structuring deals that met the client’s needs as well as the banks risk parameters. Negotiated loan requests and approved credits within designated credit authority.

Portfolio Manager, Vice President
Commercial Real Estate Bank

1/96 to 04/98

• Lead the underwriting process and managed two analysts.
• Acted as portfolio manager for bank’s aggregate $400 million portfolio.
• Accountable for the ongoing monitoring of credit quality and underwriting assistance.
• Partnered with risk management to actively monitor the portfolio and ensure the soundness and integrity.
• Daily interaction with clients in order to maintain portfolio and underwrite new deals.
• Prepared, presented and completed credit offering memorandums for approval.
• Conducted extensive due diligence and financial modeling for all project types including: site inspections, construction monitoring, cash flow and pro forma financial analysis, discounted cash flows, tenant analysis and market research.
• Assisted with special projects as requested.

Astoria Federal, Lake Success, New York
Auditor Supervisor, Assistant Vice President

5/90 to 12/95

• Evaluate mortgage and investment portfolios, capital structure, and liquidity for adequacy and compliance with regulations. (Inclusive of large CRE, residential, REO, mortgage-backed securities, repos, mortgage derivatives and hedging).
• Prepare the audit plan and monitor execution of the plan including project assignment, planning, performance and completion.
• Prepare cash flow analysis and monitor the Association’s problem CRE properties and reported results to executive management.
• Plan and perform audits regarding system conversion and bank acquisitions.
• Assess performance, identify training and development needs.

Howard Savings Bank, Livingston, New Jersey
Auditor

4/88 to 5/90

• Performed operational, financial, and compliance audits.
• Obtained and documented an understanding of the operations audited and evaluated the system of control.

EDUCATION
Fairleigh Dickinson University, Madison, New Jersey B.S. - Business Administration - 1988
Completed Formal Credit Training - Fleet Bank - 1996
Recipient of Bank of America’s Award of Excellence - 2005
Licensed candidate (Series 7 and 63) - 2006
Various Real Estate Courses - New York University

OTHER
Board of Director – Long Island Housing Partnership