Real Estate Business Management

Alejandra Swanston

Houston, Texas

Email: ad9jns@r.postjobfree.com / Phone: 713-***-****

Sr. Manager

Lending operations Closing Procedures Credit Investigation Risk Evaluation Loan Approval

Relationship Builder Market Evaluation Business Acumen Underwriting Mortgage Originator Notary Commissioned

Degrees: Master of Finance, Metropolitan University – Venezuela

Master of Real Estate Management - Business Management Metropolitan University, Venezuela

B.S. Urban Planning, Simón Bolívar University, Venezuela

Licensure:: MLO ( Test Pending)

Languages: English, Spanish

Technologies: Microsoft Office

Industries: Banking, Financial, Real State.

WORK HISTORY

Investor, ABSP Investments Corp (2018 – Present)

Oversee all aspects of new food and beverage (F&B) establishment, including management of operations, staff, and finances.

Established startup business by planning all activities for opening and collaborating with partners to build organizational mission, strategy, and objectives.

Developed operational processes, workflow planning, and budgets to maximize profitability and support growth.

Credit Department Director/Consultant, Comercializadora Dars 2009, C.A (2017 – 2020)

Provided expert assessment and advice regarding financial requirements. Completed analysis processes, conducted credit reviews and financial assessment, and evaluated risk/creditworthiness for commercial and personal lending.

Managed 20 employees, facilitating communication and collaboration among teams and with clients to support outstanding client service and increase investment income.

Reviewed the credit files and completes all necessary documentation for all loan applications.

Ordered and reviewed appraisal, environmental reports, and requested the essential loan documentation as indicated by the credit underwriter and/or Bank procedures to ensure completeness of loan files.

Reviewed articles and by-laws/operating agreements, where applicable of partnership, corporation, and limited liability company (LLC).

Reviewed closing documents upon receipt from bank attorney to ensure conformance with the approved loan terms and conditions.

Reconciled equity injection and make final verification determination.

Worked with the Construction Funder to ensure smooth transition on construction and multi disbursement projects.

Cleared any outstanding items, exceptions, and liens, prior to or at, closing time.

Banco de Venezuela (2001 – 2017)

Executive Vice President (2013 – 2017)

Conducted investigations/evaluations to determine creditworthiness/risk factors for approval of various loan types for businesses and individual clients up to delegation. Reported to President and board for approval on business loans over $5M

Decreased delinquency ratio on credit portfolio from 2% to 0% within 18 months by reorganizing responsibilities and redefining policies.

Enhanced profit margin increases and organizational growth by ensuring regulatory compliance, resolving complex issues, establishing credit/risk criteria, monitoring metrics, and recommending/evaluating strategic actions.

Adjusted VPE responsibilities to divide compliance, risk, and credit department functions among separate supervisors to comply with government regulations and reduce risk of fraudulent activity.

Credit Admission Portfolio General Manager (2012 - 2013)

Reviewed the credit files and completes all necessary documentation for all loan applications.

Ordered and reviewed appraisal, environmental reports, and requested the essential loan documentation as indicated by the credit underwriter and/or Bank procedures to ensure completeness of loan files.

Reviewed articles and by-laws/operating agreements, where applicable of partnership, corporation, and limited liability company (LLC).

Reviewed closing documents upon receipt from bank attorney to ensure conformance with the approved loan terms and conditions.

Reconciled equity injection and make final verification determination.

Followed internal audit procedures to ensure files are properly documented and into physical system.

Worked with the Construction Funder to ensure smooth transition on construction and multi disbursement projects.

Cleared any outstanding items, exceptions, and liens, prior to or at, closing time.

VP of Credit Admission Portfolio – Specialized Banking (2005 – 2012)

In charge of the risk analysis, business opportunities, and monitoring of construction projects and activities related to tourism, through suitable and specific methodologies for real estate activity.

Analyzed risk, business opportunities, and monitored the agricultural credit portfolio.

Managed the collection process and delinquent accounts to decrease the delinquency ratio by reorganizing responsibilities and redefining policies.

Personal Credit Recovery Manager - Irregular Assets Unit. (2002-2005)

Planned and established portfolio recovery strategies under Bank policies.

Developed, coordinated, and controlled the debt restructuring processes of Commercial Banking, Business Banking, and Corporate Banking clients.

Prepared and analyzed sheets of terms and conditions for debt restructuring to discussed and negotiate terms and conditions with clients and other entities or institutions involved in the process.

Mortgage Product Manager. (2001-2002)

Managed the loan portfolio for the construction sector with resources from the Bank and Housing Policy Law.

Analyzed risk, business opportunities, and project monitoring for Real Estate. Accounts and prospect clients.

ADDITIONAL EXPERIENCE

Certifications

Food & Beverage Certification, Cornell University

Real Estate Investment for Hospitality Business Certification, Cornell University

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