Ellen H. W. Clerkin
Business Loan Officer @Jovia Financial Credit Union
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WORK HISTORY
Business Loan Officer @Jovia Financial Credit Union
EDUCATION
Notre Dame of Maryland University
B.A., Economics / Political Science
ABOUT ELLEN H. W. CLERKIN
Senior Commercial Real Estate Lender; Loan Underwriter; Portfolio Manager Financial services for commercial businesses and residential and commercial real estate builders, developers and investors; Market and Project Analysis of Real Estate projects; Credit Analysis of Borrower and Guarantor(s)/ Global Cash Flow Analysis / Lease Analysis; Review of Real Estate Appraisal Reports (not for regulatory compliance) and Environmental Site Assessments; Review and Negotiation of Loan Documents / Management of Loans from Closing to Payoff; Interaction with Federal Regulatory Examiners (FDIC, OCC); Loan Workouts: REO / Troubled Assets / Bankruptcy / Foreclosure / Property Management throughout Maryland, Virginia and Delaware; Formal Credit Training; Maryland Real Estate License; Specialties: Business Development / Loan Underwriting / Portfolio Managment / Risk Management / Loan Workouts / Business Writing / Market Analysis.
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