Howard Kramer
Senior Financial Analyst & Team Lead @U.S. Small Business Administration
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WORK HISTORY
Senior Financial Analyst & Team Lead @U.S. Small Business Administration
Marietta, GA, US
Hired at onset of the pandemic to do forensic reviews and audits of grants made through various programs. Work has included senior analyst and team lead level positions (depending on the project).• Three years as an analyst/auditor on general SBA programs with a focus on the Covid-19 EIDL and Paycheck Protection programs; this included work as a 2nd level reviewer, team lead and trainer on several projects• One year working specifically on SBA programs with restaurants, with a focus on the Restaurant Revitalization Fund program; consistently ranked in the top three in production on a team of more than fifty• Thoroughly familiar with all SBA software platforms and business culture
EDUCATION
University at Buffalo
Bachelor's degree
ABOUT HOWARD KRAMER
I am a finance and real estate professional with 25+ years of experience in underwriting, due diligence, portfolio management, market research and business development. Most positions have been in a senior or management capacity. My current position is as a senior analyst for the U.S. Small Business Administration. My immediate prior position was underwriting manager for the Prime Bridge group at Angel Oak Mortgage Solutions. General Finance Overview Financial Underwriting (5+ years)- Small Business Lending & Municipal Government Bond Issuances Forensic Auditing Financial Analysis and Budgeting Fraud Investigation and Loss Recovery Real Estate / Mortgage Overview Mortgage Underwriting (15+ years)- Residential & Commercial, Front End & Post Closing Portfolio and Risk Management Least Abstraction and Rent Roll Analysis Managing, Leasing and Sales Support Market Analysis and Reporting Site Inspections Odds and Ends Business Writing - Wrote extensively when working for Marcus & Millichap; articles published in a number of periodicals, including once in the Wall Street Journal Travel Writing - While this was not business related, published several travel books, including one award-winner and one that is regularly a top seller in its category Volunteer Work - Served in the United States Peace Corps after college; taught high school mathematics in Chad College Sports - Part of the cheerleading squad that came in 9th place at the national championships in 1992 (okay, I was the team mascot; but I thought this might make a fun talking point)
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