1. Justin Snarponis
58 Hutchinson Road, Princeton, NJ 08540
(570) 269-7621 •jsnarponis1@yahoo.com
M A N A G E M E N T P R O F I L E
Management • Operations • Finance
Dynamic leader with a proven record of success with eightyears experience owning and operatinga nationallyknown franchise
and over 12 years of financial analysis and accounting expertise. A well rounded professional with demonstrated results with
a solid supervisory background. A reliable performer who can deliver in both individual and team oriented environments.
Owner of nationally known franchise offers
unique perspective of managing a business and
motivating a team
Proven abilityto manage a complex
business in a multi-tasking
environment
Provide management with timely,
accurate and consistent information
Critical thinker with the abilityto think outside
the box, understand the big picture and develop
tactical and strategic business solutions
Self motivated, personable and team
player with experience among a
variety of industries
Solid reputation for fiscal responsibility
and budget management
Strong financial/analytical skills, verbal and
written communication skills
Excellent abilityto prioritize and
effectively complete multiple tasks
Accomplishment driven, consistently
setting and achieving high goals
P R O F E S S I O N A L E X P E R I E N C E
ServPro
East Stroudburg, PA
PR ESI D EN T & OW N ER
 Ow n and manage a successfulbusiness w ith revenue to $2 million w ith an average of 25 employees; follow general format and
guidelines of corporation w hile incorporating specific business strategies to increase revenues and profitability
 Establish and integrate functional strategies of company utilizing business expertise to reach financial / operational goals and
objectives
 Analyze market trends and statistics to determine potential of grow th; monitored sales and revenue performance regularly
 Deploy resources to achieve financial forecast and business objectives; Consistently achieve revenue goals and rank among
top performing franchises in Pennsylvania
 Plan and direct all function of the company; enforce strong leadership skills to ensure efficient / effective utilization of company
resources
 Monitor and manage Marketing Division, Production Division, and Office / Administration to meet / exceed revenue, expense
and profitability goals and objectives
 Create compensation and bonus system to decrease employee turnover in an industry w ith historically high turnover
 Oversee and assist w ith training and development of staff
 Provide and promote management, leadership and team building skills of staff
Traditions Capital
Radnor, PA
VI C E PR ESI D EN T UN D ER W R I TER / ASSET MAN AGER
 Review , analyze and evaluate new loan applications and specific project financing requests to ensure thoroughness and
accuracy; Manage and organize all pertinent documentation for prospects and/or clients and their loan requests
 Underw rite loan requests according to Company guidelines; Analyze, structure, negotiate, underw rite and make
recommendations on loan submissions to maintain adequate risk mitigation w hile providing a competitive deal structure
 Assess risks, strengths and w eaknesses of loan submissions and determine acceptability and creditw orthiness
 Rew ork loan to new terms or identify additional conditions needed
 Responsible to monitor fund investments and regularly report on status
 Interact w ith Quality Control, Compliance and Funding for problem resolution, risk evaluation and compliance concerns as
needed
Capmark Finance Inc. (formerly GMACCommercialMortgage)
Horsham, PA
VI C E PR ESI D EN T SPEC I AL SER VI C I N G – REAL ESTATE SOLU TI ON S
 Manage a portfolio of defaulted commercial mortgages, analyze alternative resolution strategies and negotiate resolutions
 Initiate proactive approach tow ard day-to-day collateral management to meet or exceed financial performance objectives and
minimize risk of loss
 Develop and evaluate all resolution alternatives and recommend optimum resolution strategies for individual assets and prepare
loan- and property-specific asset business plan
 Acquire know ledge of loan documents for each assigned loan w ith specific emphasis on compliance w ith performance criteria
and w ith the Pooling & Servicing Agreement for securitized loans
 Monitor assets in accordance w ith underw ritten pro forma analysis, borrow er’s business plan and current market conditions
 Analyze property level cash flow to estimate income and expense rates and property valuation
 Perform on-going review of reserve disbursement requests, as w ell as new leases, renew als and modifications; w here needed,
prepare lease summaries, estoppels and SNDA’s
 Identify appropriate eligibility/”Exit” strategies for 1) long term refinancing; and 2) salability and/or asset liquidation for balance
sheet management purposes
JU ST I N SN A R PON I S, PA GE 2
April 2008 to Current
September 2007 to April 2008
December 1999 to September 2007

2. UNDERWRIT E R – AGENCY LENDING GROUP
 Complete detailed analysis and due diligence of loan sponsorship and borrow ing entity structures to ensure long-term financial
stability of key principals in compliance w ith Fannie Mae DUS guidelines
 Analyze, structure, negotiate, underw rite and make recommendations on loan submissions submitted from outside clients to
maintain adequate risk mitigation w hile providing a competitive deal structure
 Assess risks, strengths and w eaknesses of loan submissions and determine acceptability, creditw orthiness and conformity to
both the company’s and the Agencies’ requirements
 Perform preliminary loan submission analysis to assure compliance w ith general ROE and overall risk/return objectives,
including income and expense analysis, determination of market competitiveness and borrow er’s credit history and repayment
capacity; Prepare internal presentations and Credit Memo approval documentation; Present loan recommendations to Deal
Committees/Loan Approval Committees
 Perform site inspections to evaluate market competitiveness of proposed collateral and to determine probability of economic
feasibility of projected income stream
ASSISTANT VICE PRESIDENT SPECIAL REQUESTS ANALYST – SERVICING
 Perform analysis and underw rite real estate loans (including CMBS/conduit and non-securitized) to negotiate and process
mortgage assumptions, partial releases of collateral, substitutions of collateral, defeasance, prepayment analysis,
condemnation of mortgage liens, secondary financing requests, lease review s, review of property management, easements,
modifications, subordination & non-disturbance agreements, Intercreditor agreements, and defeasance
 Prepare mortgage assumption, partial release, secondary financing and substitution of collateral presentations that w ill be
presented to appropriate Review /CMBS Committee
 Process all condemnation, lease review s, easements, and modification/extension requests, based on Investor's and/or loan
documentation and PSA requirements and perform legal analysis on loan documentation
 Engage in direct contact w ith Investors, Investment Banks, inside/outside counsel, borrow ers, and agencies (FHLMC, FNMA).
 Top income producer for the Special Request Group for 2000
PNC Bank
East Brunswick, NJ
SEN I OR CR ED I T AN ALY ST – REAL ESTATE
 Analyze commercial real estate developers, real estate investment trusts (REITS) and national and regional homebuilders for
credit approval of loans $3 million - $1 billion to structure both lines of credit and traditional financing
 Analyze loan structure, market, and financial statements of developer, project, tenants and/or public company in order to identify,
assess and mitigate credit risk
 Prepare corporate tenant analysis
 Support Real Estate line of business in arranging syndication deals
 Successfully completed PNC’s extensive Credit and Underw riting Commercial Real Estate training program
E D U C A T I O N
LaSalle University
Philadelphia, PA
MASTER S OF BU SI N ESS AD MI N I STR A TI ON
 Graduated Cum Laude from Graduate School of Management and Economics
 Concentrations in Finance and Accounting
Bloomsburg University
Bloomsburg, PA
B.S. DEGR EE I N FI N AN C E – COLLEGE OF BU SI N ESS & EC ON OMI C S
 GPA 3.67
Louisiana State University
Baton Rouge, LA
B.A. DEGR EE I N UR BAN /REGI ON AL PLAN N I N G – COLLEGE OF GEOGR APH Y & EAR TH SC I EN C E
 GPA 3.06
January 1996 to December 1999
August 2000 to May 2002
September 1993 to December 1995
August 1988 to May 1992