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RICARDO RODRIGUEZ

Chicago, IL 60634 ▪ rrodriguez8595@icloud.com ▪ (312) 450-4244
http://www.linkedin.com/in/RickRodriguez3

COMMERCIAL REAL ESTATE LENDING EXECUTIVE
CBMS Direct Lending ▪ CRE Relationship Management ▪ Commercial Properties Financing

Accomplished commercial real estate lending executive with 20+ years of successful leadership originating and
managing high-quality CMBS, Freddie Mac, Fannie Mae, DUS, HUD, 223 & 221 FHA, Life Insurance, Companies
loan portfolios of up to $500 million.
Dynamic team builder, leader, and relationship manager with a proven record of developing and executing highlevel strategies for deepening client relationships, developing new business, mitigating lending risk, and
accelerating growth, profitability, and market competitiveness.
Expertise with a broad range of commercial lending products and services, including multifamily, mixed-use,
office, retail, storage, commercial & industrial real estate, construction loans, SBA programs, and asset-based
lending.
Bilingual fluency in Spanish and English.

COMPETENCIES & STRENGTHS
Strategic Planning & Execution
Revenue & Profit Optimization
Business Partnerships & Alliances
Contract Negotiations

Team Building & Development
Cross-Functional Leadership
Staff Recruitment & Training
Relationship Management

Credit Risk Management
Policy & Procedure Development
Revenue & Profit Optimization
Executive Presentations

CAREER HIGHLIGHTS
 Led commercial loan division with offices in 6 states that closed more than $500 million in loans ranging from
$250,000 to $10 million in size.
 Created a nationwide network of clients and commercial banking relationships, leveraging strong business
development and relationship management skills.
 Personally closed up to $90 million in commercial loans in a one-year period, earning top-level performance
awards with two different employers.
 Played key role in growing TCF Bank’s commercial real estate lending business by expanding product offerings to
includes a broader range of commercial & industrial properties, in addition to SBA and asset-based lending programs.

EXPERIENCE
NORTHPOINT CAPITAL FUNDING, INC.

2015 to Present

Director of Commercial Lending - Correspondence with major life insurance companies, CMBS and direct 223 & 221
FHA lender reviewed, analyzed, underwrite and originate commercial real estate loans both new and existing clients
covering a broad range commercial properties, including multi-family, mixed-use, office, retail, storage, industrial.
Providing best commercial lending solutions to clients locally as well as nationally.

Created and managed a nationwide network of clients and commercial mortgage broker relationships.
Trained and mentored loan officers in both recourse and non-recourse CMBS, life insurance companies, 223 & 221
FHA lending.

R & G PROPERTIES, INC - Chicago, IL

2009 to 2015

Property Manager – Managed commercial properties in receivership or REO on the behalf of the local and regional
banking clients. Oversaw all aspects of day-to-day operations and financial management functions for a large portfolio of
distressed real estate assets in Chicago. Oversee cross-functional team of administrative and maintenance professionals in
managing multiple properties simultaneously.
• Negotiated competitive rates, while maintaining the highest quality service standards, by cultivating strong
relationships with contractors.

RICARDO RODRIGUEZ │RESUME PAGE TWO
• Maximized rental income and profitability by establishing optimal rental rates based on comprehensive market
research and competitive analysis.

TCF BANK - Chicago, IL

2008

Vice President, Real Estate Commercial Lending – Reviewed, analyzed, underwrote, and originated commercial real
estate loans for both new and existing clients, covering a broad range commercial properties, including multi-family and
mixed-use. Evaluated and assessed applicant credit worthiness and overall risk.
• Managed loan portfolio of $70 million comprised of loans ranging from $1 million to $25 million.
• Played key role in facilitating the successful expansion of lending products to include commercial & industrial,
construction, rehab, SBA, and asset-based lending programs.
• Led business development activities with a primary focus on the serving needs of the Latino community.
• Successfully retained more than $3 million in new deposits.

MIDAMERICA BANK - Chicago, IL

2005 to 2007

Senior Commercial Lender – Originated and closed multifamily, mixed-use, and commercial real estate loans ranging
from $100,000 to $5 million, with a primary focus on building and expanding market presence within the Latino
community. Trained, mentored, and supervised mortgage brokers on various loan programs, monitored individual
performance, and ensured their compliance with internal policies and procedures. Managed an $80 million loan portfolio.
• Closed $80 million in commercial loans in one year, exceeding $50 million target goal; earned company award for
over-quota performance.
• Mitigated exposure to risk by analyzing loan applications to accurately assess credit worthiness of borrowers.
• Retained $4 million in deposits, double the target goal for new deposits.

WASHINGTON MUTUAL BANK - Chicago, IL

2003 to 2005

Senior Commercial Lender – Sourced and originated multifamily, mixed-use, and CRE loans, ranging from $1 million to
$10 million, managing customer experience through the entire lending cycle. Rapidly developed proficiency with a various
types of loan programs, including Fannie Mae programs. Recruited and trained staff, evaluated loan applications, and
managed a multi-million dollar portfolio.
• Closed $90 million in commercial loans in one year, earning company award for over-quota performance.
• Successfully retained more than $5 million in new deposits.

FIRST COMMERCIAL FUNDING - Oak Brook, IL

1998 to 2003

Direct Lending Manager – Developed and supervised cross-functional staff in managing this commercial loan origination
company with branch offices throughout a 6-state region (AZ, CO, TX, FL, MI, IL). Oversaw the strategy for marketing a
broad range of commercial lending products, including multifamily, mixed-use, commercial and industrial real estate,
construction, SBA, and asset-backed loans.

Maintained productivity of more than $50 million per quarter, leading the commercial division’s closing of more
than $500 million in loans ranging from $250,000 to $10 million.

Created and managed a nationwide network of clients and commercial banking relationships.

Trained and mentored loan officers in both recourse and non-recourse CMBS lending.

EDUCATION
Bachelor’s Degree, Business Finance – Northern Arizona University