John Wong has over 20 years of experience in financial analysis, credit risk management, and commercial real estate lending. He has worked in portfolio management, underwriting, and credit analysis roles for several banks and financial institutions. He has a proven track record of successfully underwriting and managing commercial real estate loan portfolios.

1. John Wong
1234 South Barrington Avenue # 7
Los Angeles, CA 90025
Home: (310) 383-4123
E-mail: Shekmink@aol.com
SUMMARY
Financial and Credit Analyst professional with broad knowledge and expertise in underwriting,
credit analysis, asset management, compliance risk review audit and market research in the
Commercial Real Estate, Commercial & Industrial, LITHC, Tax Credits and section 42 housing and
related industries. Demonstrated leadership in advising, mentoring and motivate the colleagues to
work collaboratively to achieve productivity and financial prowess. Successful in selecting and
researching productive commercial real estate assets with minimum risk to the financial institutions
commercial real estate and C&I portfolio.
PROFESSIONAL EXPERIENCE
Grandpoint Bank, Los Angeles, Ca. 2015
Portfolio Manager-Contract Position Temporary
Performed Annual Reviews for Multifamily Loans
Reviewed Personal Tax Returns, Corporate Tax Returns
Income & Expense Statements
KINECTA FEDERAL CREDIT UNION, Newport Beach,Ca. 2013-2015
Portfolio Manager Commercial Real Estate
Performing Annual Reviews on assigned portfolio on Kinecta’s CRE Portfolio.
To determine if loan meets Kinecta’s loan covenants and compliance.
To Research and verify Property Taxes and Insurance are current.
Performed Site Inspections on Kinecta’s Commercial Loan Portfolio.
Underwriting New Loans for Commercial RealEstate.
PROMONTORYFINANCIAL GROUP,LLC, Orange,Ca. July12-Jan 13
Credit and Risk Review Analyst
Contract Position, performing risk reviews in forensic financial analysis, audit and compliance in
accordance to the US Office of Comptroller of the Currency policies and regulations for financial
harm of borrowers of residential 1 to 4 units.
Investigations of CIP forms questions and and performimng due dillegence if any financial harm
was imposed by the financial institution. Proficient in FOR3, P309 , related documents and research
databases Salesforce to determine an viable conclusion.

2. CITYNATIONAL BANK, Los Angeles,Ca. Nov 2011-Jan 12
Multi-Family Underwriter – FANNIE MAE
Contract Position, performed risk analysis research and financial spreads of income and expenses
for Fannie Mae multi-family portfolio and downloading the financial data into the Fannie Mae
financial statement portal.
ONE UNITED BANK,Los Angeles,Ca. 2011
AVP Asset Management / Special Assets
Contract Position Perform analysis on various types of financial statements and reports to evaluate
property’s cash flow position and borrower/guarantor’s financial soundness. Conduct internal
collateral evaluation utilizing current market data. Conduct fair value analysis as well as impairment
test. Form action plans to actively manage troubled commercial real estate assets and follow
through with actual resolution
 Perform on site inspections. Prepare credit memorandums that accurately present pertinent
credit risks and make classification recommendations to the Internal Asset Review
Committee
 Attend all Internal Asset Review committee meetings; Prepare information for the
Allowance for Loan Losses Summary Report. Demonstrate strong negotiation skills and the
ability to handle complex credits and borrower situations. Evaluate existing borrower credit
requests within established performance standards. Maintain compliance with the bank’s
policies and procedures and regulatory requirements in order to achieve satisfactory ratings
from internal and external auditors.
 Other responsibilities include: Release of holdbacks, processing loan payments, monitor
Unapplied, LIP and Delinquency reports, collection calls, compliance and review of loan
files for errors or missing docs, review underwriting memorandums, guidelines and
procedures for possible errors and recommend ideas or solutions to minimize errors and
promote efficiency, collection of financials and operating statements for borrowers and
property. Participate in Audits and various projects as needed.
WELLS FARGO BANK,Los Angeles,Ca. 2007 – 2011
AVP Real Estate Risk Advisor/ Lending Officer
Managed a portfolio of Commercial Real Estate and Commercial & Industrial Loans worth
$100MM. Performed underwriting, credit analysis and property servicing for the assigned
commercial real estate portfolio (multi-family, industrial, office, retail, special purpose and mixed
use).Analyzed and performed Income and Cash Flow Analysis on companies and individuals
requesting lines of credit. Complied with bank guidelines for fair lending regulations for clients and
bank policies. Worked in tandem with 25 relationship officers and risk managers in the commercial
and business banking groups. Reported to senior management on risk analysis and market research
in the commercial real estate markets for California and Arizona.

3.  Hired to provide expertise to Wachovia Bank commercial and business banking group’s
expansion in California and Arizona in relation and expertise related to geographical areas,
capital rates, and valuations.
 Contributed to increased profitability and improved risk assessment by training relationship
managers, risk managers and regional vice presidents to evaluate commercial real estate
viability and proposals
 Performed underwriting and cash flow analysis of corporate and individual tax returns,
K1’s and audited financial statements and balance sheets for approval for loans for lines
credit. Presented to Senior Management and Loan Committee for approvals with
relationship officers and risk officers.
 Tracked and reported to executive risk management on local and regional county cap rates,
valuations and vacancies. Resulting into the development of sound risk policies.
 Maintained a 48 hour turnaround on initial review by educating the relationship managers on
required documentation and data, so that the review could be rapidly is completed.
 Reviewed and Complied with Bank policy assurance to follow compliance with fair lending
act with federal and state regulators and procedures.
J.P MORGAN CHASE,Irvine, Ca. 2005 - 2007
AVP Portfolio Asset Analyst-Community LIHTC
Managed, underwrote and serviced a $50MM portfolio of multifamily commercial real estate with
an emphasis with tax credits, local government agencies in the affordable and low income housing
sectors (LIHTC) and Section 42 housing . Worked in tandem with senior relationship managers and
executives, in helping achieving goals in CRA (Community Reinvestment Act) for the bank.
 Updated status of each property and construction project in tandem with respected
relationship manager, until it qualified for permanent financing.
 Performed onsite inspections with relationship managers, project director, inspectors and
contractors to verify the quality of the collateral.
 Oversaw projects budgets in conjunction with disbursement officers to maintain cost
efficiencies and avoid cost overruns.
 Accurately forecasted revenue streams and assessed compliance with the loan covenants by
performing analysis on the tax credits and state and city agencies.
 Audited files to reassure that JPM was in compliance with federaland state fair lending procedures.
IMPAC CAPITALCORPORATION,Newport Beach,Ca. 2005 – 2005
Senior Underwriter
Underwrote, researched appraisals, environmental reports and recommended approvals, MSA’s for
multi-family properties nationally for conduit lender in excess of $2MM.
ONE WEST BANK,Santa Monica, Ca. 2004 - 2005
Senior Income Property Underwriter
Underwrote and researched appraisals and performed credit analysis on borrowers for multi-family
properties. Recommended approvals for senior management. Worked in tandem with relationship
managers.

4. EAST WEST BANK, Los Angeles,Ca. 2003-2004
Commercial Real Estate Loan Portfolio Officer
Underwrote, researched, and performed onsite inspections for a middle market commercial real
estate and asset manager of portfolio valued at $25MM. Attended weekly meetings with senior
management for approvals and status reports. Worked in tandem with relationship managers. Hired
to formulate in 2003 East West Bank’s entry into middle market commercial real estate lending in
California and Las Vegas, NV.
 Interacted with high volume Commercial Mortgage Brokers and Current and New and
Commercial Bank customers to ensure compliance with lending policy to promote market
growth.
 Trained junior underwriters and loan officers on analyzing commercial real estate.
TRUTHFUL ART PRODUCTIONS, Los Angeles,CA. 1999-2003
Senior Financial Analyst
 Assisted the principals in private financial matters in film production and commercial real estate
RENAISSANCE CAPITAL, Los Angeles, CA 1998-1999
Senior Financial Analyst / Underwriting
Underwrote,researched and marketed commercial real estate to borrowers and conduit lenders. Assisted the
Acquisitions Department with valuation analysis, cash flows analysis, proposals and conduct market survey
on various real estate and companies. Perform due diligence, cash flow modeling and calculating of internal
rate of return. Evaluate lease proposals from property management companies and brokers and make
recommendations regarding leases based on added calculations. Provided Senior Management with
analytical and technical support and financial modeling.
J.P Morgan Chase,Chatsworth,CA 1996-1998
Financial and Credit Analyst, Underwriting Credit Risk Management Department
Financial analysis of major companies, customers, and vendors. Primary responsibilities to do
research, understand, report, and recommend whether JPM should enter into business commitment.
Determine financial picture through calculations of ratios, pro forma statements, Dun & Bradstreet,
Fair Isaac and Experian credit reports and federal tax returns. Determined that JPM was in
compliance with federal and state regulations with compliance with fair lending acts and
procedures. Denied risky private client applications for purchasing and refinancing loans,
decreasing JP Morgan’s financial risk exposure.
 Assisted in forecasting with Senior Financial Analyst in deterring loan quality of portfolio.
 Recommended the financial soundness of six HMO organizations for the bidding process as
vendors.
 Forecasted the financial soundness of twenty-four Title Insurance Companies nationally.
 Special incentives provided financial assurances of an airline to market a new frequent flyer
program.
BUTZKE & WONG PARTNERSHIP,Los Angeles, CA 1994-1996

5. Accounting Services Business
Owned and operated an accounting and financial services business. Marketed services in the
greater Los Angeles area and received additional work assignments in conjunction with other
agencies. Advised and prepared 1040, 1040EZ for private client tax returns. Assisted small
business with bank reconciliation, accounts payable, and general ledger entry. Prepared
financial statements and presented financial opinion to CPA.
NATIONAL MEDICAL ENTERPRISES, Santa Monica, CA
Nowknown as TENET HEALTHCARE CORPORATION, Dallas,Tx 1992-1994
Financial and Credit Analyst, Corporate Real Estate Department
Analyzed and researched market information for the acquisition and improvements of corporate
real estate properties. Organized projects' costs.
 Developed and coordinated a tracking system to prioritize executives project funding,
resulting in increased efficiency and productivity of real estate projects.
 Researched real estate sites, evaluated cost and feasibility. Provided analysis and
recommended the most profitable acquisition.
 Assisting in forecasting costs with Senior Executives of $25 million budget for
consolidation of regional offices.
COMPUTER SKILLS
Microsoft Excel, Word and Outlook
EDUCATION
University of Phoenix 1998
Business Coursework performed