Fabio Coche
Underwriter, Commercial Real Estate & Corporate Credit Cards @Ridgewood Savings Bank
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WORK HISTORY
Underwriter, Commercial Real Estate & Corporate Credit Cards @Ridgewood Savings Bank
Underwrite large commercial real estate loans for multifamily, mixed-use and commercial properties. Assess rental income, operating expenses, net operating income and debt service coverage ratio. Perform stress scenarios to evaluate cash flow coverage and LTV. Review appraisals, rent rolls, residential and commercial leases, Borrowers\' operating agreements, Principals\' PFS and credit reports. Establish closing conditions and issue recommendations for senior management,\\\\nUnderwrite business credit cards applications for small and middle market corporate clients. Analyze financial statements, operating trends, financial condition, liquidity, debt service capacity and overall credit risk for conclusions and recommendations.\\\\n \\\\n\\\\n \\\\n \\\\n\\\\n \\\\n
EDUCATION
NYU Stern School of Business
B.S., Finance/Accounting
SKILLS
ABOUT FABIO COCHE
Experienced banking and risk professional with broad and extensive background in Credit…
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