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					                                          Marlene L. Ricketts
68 Golf Club Drive                                                                                215.750.7107
Langhorne, PA 19047                         www.marlenericketts.net                 MarleneRicketts@gmail.com


                                          PROFESSIONAL PROFILE


                       SENIOR-LEVEL CREDIT TRAINED UNDERWRITER AND ANALYST
        CONSENSUS & TEAM BUILDER...EFFECTIVE PRESENTER...POISED & TENACIOUS DEAL MONITOR

                           *Attained top-level academic and industry credentials
           *Earned respect of colleagues and senior managers with major financial organizations:
                          COMMERCIAL REAL ESTATE          CORPORATE BANKING


                                            CORE COMPETENCIES


        Credit Underwriting                   Financial Modeling                      Cash Flow Analysis

         Financial Analysis                     Market Analysis                          Due Diligence



                                       SELECTED ACCOMPLISHMENTS


                                                                                                     2009-present
Independent Consultant – Asset Management
Provide real estate investment asset management and consultation services, e.g., trustee and estate planning
and bank portfolio and credit diagnostics consulting. Prepare presentations for statistical consulting firm
serving pharmaceutical, telecommunications, and healthcare clients.
        Conducted bank portfolio quality review and credit process diagnostics
        Presented bank board of directors with credit review findings and recommended strategies to improve
         credit quality and establish credit/underwriting standards

LibertyPointe Bank – New York City                                                                      2008-2009
Vice-President, Underwriter – Commercial Real Estate
Developed and applied rigorous credit underwriting standards to project financing requests by real estate
developers. Managed due diligence process through project, ARGUS and Excel based cash flow, feasibility,
and sensitivity analysis. Project types include: multi-family properties; mixed-use retail, office, and industrial
properties
     Achieved consensus by facilitating senior-management discussion
     Restructured several deals to significantly improve likelihood of repayment
    
Assumed role of Relationship Manager in addition to role as Underwriter ($248MM portfolio)
      Managed and trained administrative staff – developed professional underwriters
      Generated new business: assessed loan requests; performed due diligence; conducted site visits;
       and, executed loan transactions
Marlene L. Ricketts                                  -2-                           marlenericketts@gmail.com

Capmark Finance, Inc.-Horsham, PA                                                                   2007-2008
Vice-President, Underwriter – Principal Finance Group
Worked closely with senior management and legal counsel to underwrite acquisition and permanent financings
for ultimate secondary market and portfolio retention.
      Personally visited /evaluated office, retail, and multi-family projects throughout the United
       States (TX, CA, DE, CT, IL, FL, and Washington, DC)
      Conducted project feasibility and profitability analyses; prepared comprehensive credit packages;
       negotiated final loan terms
      Collaborated with in-house staff, as well as engineers, appraisers, client representatives to close
       deals (transactions ranged from $10-30MM)

Citizens Bank-Philadelphia, PA                                                                      2004-2007
Vice-President, Underwriter – Commercial Real Estate Group
Managed and underwrote construction, rehabilitation, and permanent loan financing for developers, merchant
builders, and investors (including REITs). (over $230MM closed). Project types include: Office, Retail,
Industrial and Multi-family
      Arranged syndications with other lending institutions for transactions >$100MM
      Justified cost of group in-house training (ARGUS); eliminated costly licensing fees

                      ADDITIONAL RELEVANT EXPERIENCE & WORK HISTORY

Citigroup, Inc                       Assistant VP, Underwriter –                                    2002-2004
                                     Investment Management and
                                     Private Banking Group – New York
                                     Provided and structured real estate financing for ultra
                                     high net worth individuals

                                     Analyst, Associate and Assistant Vice President –
Wachovia Securities                                                                                 1993-2002
                                     Corporate Banking Group and
(FKA First Union National Bank       Commercial Real Estate Group
&                                    Corporate Banking: Assisted in the underwriting and
Core States Bank, N.A.)              management of $790MM portfolio of corporate
                                     clients. Portfolio quality ranged from investment grade
                                     to highly leveraged
                                     Commercial Real Estate: Collaborated with internal
                                     and external partners to arrange permanent and
                                     construction financing, e.g.: office, multi-tenant, and
                                     credit tenant leases; single-family subdivisions,
                                     industrial /flex, and low income housing tax credit
                                     (LIHTC) projects

                       EDUCATION AND CORPORATE-SPONSORED TRAINING

MS,                                  New York University                                                     2007
Real Estate Finance
BS,                                  Philadelphia University                                                 2000
Finance
Formal Credit Training               Core States Bank, N.A.                                              1995
Numerous sponsored workshops,        *Corporate Taxation, *Capital Raising Alternatives,            1993-2010
including: ooo                       *Consultative Negotiations, *Commercial Loan
                                     Structuring, *Merger & Acquisition, *Bond Financing,
                                     *Cash Flow Management & Modeling

				
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posted:10/31/2011
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