Sugar Land, Texas 77498 Home: (281) 242-6673 Cell: (215) 869-2426 Work: (713) 469-5543 Email: Edward@aebproperties.com, eb103e7d4@westpost.net ~~~~~~~~~~~~~~~ PROFILE SUMMARY ~~~~~~~~~~~~~~~ With my extensive banking and financial experience combined with my real estate investment practice, I have an in depth understanding of banking and financial regulations as well as real estate operations that will contribute to a company's success. I am an experienced professional with a successful career for 8 years in the banking and financial services. Throughout the years, I have been promoted to different facets of the industry starting with customer service, consumer lending, risk management, credit analyzing, commercial underwriting and currently in asset acquisitions and management. I am a detail oriented individual who has a proven track record of sound decision making and excel within highly competitive environments. Entrepreneurial by nature and having a keen interest in real estate, I started a real estate investment company 3 years ago focusing on acquisitions, dispositions, analysis and management of small to midsize income producing properties. I desire to find an opportunity in the banking/finance and real estate field of an established organization that will utilize my knowledge and talent to serve others. ~~~~~~~~~~ EXPERIENCE ~~~~~~~~~~ AEB PROPERTIES & MALAYA MANAGEMENT, Sugar Land, TX [MANAGING MEMBER/ ACQUISITIONS ANALYST] April 2007-Present Formed AEB Properties in 2007 and Malaya Management in 2010, implementing a strategic marketing plan. Actively manage a portfolio of real estate which includes multifamily, condos, townhomes and single family homes. Offer properties for lease, sale, lease purchase & owner financing as well as consults clients with housing needs. Analyze in depth investment real estate deals based on cash flow and cash on cash returns to offer to investors. Network with commercial real estate brokers, attorneys, and accountants in order to provide valued added services to clients. *In contract 161 unit syndication deal with over $2M in equity *Closed on 10/23/2010 on 52 unit in Spring Branch with $500,000.00 in equity and cash flow *Acquired single family row home through short sale and disposed of asset 1 day on market for a $72,308.27 profit. *Acquired single family row home through tax sale, completed renovations created over $80,000 in equity per appraisal as well as $1,000 cash flow. *Acquisition in 2010 includes 2 condos and 2 townhomes with $210,000 in equity as well as $2,000 cash flow per month. *Sold two single family homes in 2010 through owner financing with $30,000 profit. ____________________________________________________________ PNC FINANCIAL SERVICES, Philadelphia, PA [UNDERWRITING SPECIALIST 1] April 2006 - June 2009 Analyzed business financial statements: audited, reviewed, compiled, re-classed, company prepared tax returns. Assured accurate input of financial information for existing and potential business customers. Updated financial tracking system and covenants as needed to OCC auditing standards. Inputted precise non-profit, governmental entity, and cash flow debt service coverage ratios into Excel spreadsheet and automated spread system (Moody's Financial). Delivered spreadsheets to underwriters, regional managers, and business bankers. Reviewed new loan requests as well as renewals by using particular financial ratios. Assisted credit officers with any updates that would affect spread ratios. Supported management in special projects as needed. Successfully completed financial accounting, credit analysis and credit risk management trainings. *Exceeded quotas set by management by 25% every month since starting in 2006 *Trained business bankers, future underwriters and regional managers of systems in place to ensure guidelines are met with regards to spreading financial statements. ____________________________________________________________ COMMERCE BANCORP, Mount Laurel, NJ [FRAUD INVESTIGATOR] February 2005 - April 2006 Prevented monetary exposure such as embezzlement and money laundering by taking a preemptive approach. Investigated electronic fraudulent cases and recovered lost funds. Obtained extensive knowledge of Visa chargeback rules and Regulation E. *Awarded for having an offender arrested for identity theft by providing solid evidence to the NYPD on 12/15/2005 *Acted as a liaison with the Secret Service, A.T.F., state and local law enforcement agencies. ____________________________________________________________ COMMERCE BANK, Philadelphia, PA [CUSTOMER SERVICE REPRESENTATIVE] September 2003- February 2005 Represented bank's culture by providing outstanding customer service and identifying customer's financial needs. Cross- sold banking services and products to clientele. Set up different types of personal, business, and investment accounts in high volume. Processed Levies/Writs of execution, domestic and international wires, credit card and line of credit applications. Counseled clients with regard to their borrowing needs. *Contributed to Broad and Sansom Branch Lending Awards by referring 60 clients to Commerce Capital and Commerce Resi- dential Mortgage Departments in 2003-2004 contributing to the $1,000,000 in sale goal. *Received the Commerce Angel Award in October 2004 which recognizes employees who prevented banking fraud. *Nominated as Customer Service Representative of the Year in 2004 by supervisors and peers. ____________________________________________________________ WOODFOREST NATIONAL BANK, Houston, TX [PERSONAL BANKER] May 2002-August 2003 Opened personal/business checking, savings, and certificate of deposit accounts. Safeguarded depositors' funds by properly verifying identification. Assured accuracy of work and record keeping. Monitored and replenished ATM machines on a daily basis. *Achieved supervisor overrides for high dollar amount tran- sactions $10,000 or greater. *Mentored new employees to uphold image of bank through excellent customer service and emphasis on teamwork. *Named Employee of the Month in January, February, and March 2003 for opening up the most accounts. ____________________________________________________________ GONZALO JIMENEZ INSURANCE AGENCY, Houston, TX [STUDENT INTERN] August 1996 - May 1998 Identified client's insurance needs and clarified any concerns with potential policies. Collected unpaid premiums from customers and mortgage companies. Gathered information for quotes on automobile, homeowners insurance, life insu- rance, and annuities for potential and existing customers. Completed projects as assigned and distributed mail. *Created management worksheets for account payables and commission compensation. ~~~~~~~~~ EDUCATION ~~~~~~~~~ BACHELOR OF BUSINESS ADMINISTRATION, University of Houston *Major in Finance & Marketing Graduated May 2003 ~~~~~~~~~~~~ AFFILIATIONS ~~~~~~~~~~~~ University of Houston Finance Association Member University of Houston Alumni Member Realty Investment Club of Houston Member ~~~~~~~~~~~~~~~~~~~~~~~~~~ COMPLETED RELEVANT COURSES ~~~~~~~~~~~~~~~~~~~~~~~~~~ Financial Accounting for Lenders, Analyzing Business Tax Returns, Analyzing Personal Finance Statements and Tax Returns, Commercial Loans to Small Business, Corporate Finance, and Commercial Bank Management. Real Estate Investment Classes including Foreclosure, Lease Purchase and Options, Tax Liens, Wholesale, Land Development, Multi-Family and Commercial Training. (Microsoft Word Resume Available on Request)