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Nelly Ruvalcaba

@nellyruvalcaba

Commercial real estate asset manager at Greystone monitoring credit and portfolio risk across 225 Agency loans.

At Greystone, I monitor credit and portfolio risk for a complex portfolio of 225 Agency loans. I deliver QC reviews, Investor Value Evaluations, and inspections that inform risk decisions, while analyzing performance trends and supporting proactive portfolio management.

Previously, I analyzed and approved financial statements for Agency loan portfolios at Jones Lang LaSalle and underwrote multifamily and Agency loans at Grandpoint Bank and The Birdsey Group LLC. My work has included credit narratives, borrower and sponsor financial analysis, loan covenant monitoring, and property inspections.

Experience

Work history, roles, and key accomplishments

Current

Asset Manager II

Current

Greystone

Nov 2023 - Present (2 years 11 months)

Monitor credit and portfolio risk for a complex portfolio of 225 Agency loans, driving compliance, risk mitigation, and timely investor and client communications. Deliver QC reviews, Investor Value Evaluations, and inspections that inform risk decisions while meeting aggressive timelines and accuracy standards.

Credit Analysis Portfolio Risk Management Compliance Investor Communications Quality Control Property Inspections

Capital Markets Asset Manager

Jones Lang LaSalle

Feb 2018 - Mar 2023 (5 years 1 month)

Analyzed and approved quarterly and annual financial statements for an assigned portfolio of over 150 Agency loans. Evaluated complex credit requests including subordinate financing, transfers, assumptions, maturity extensions, and collateral releases.

Financial Statement Analysis Credit Analysis Debt Covenant Compliance Property Inspections Team Leadership

Contract Agency Underwriter

The Birdsey Group LLC

Jun 2016 - Feb 2018 (1 year 8 months)

Underwrote Freddie Mac and Fannie Mae small balance and conventional loans on a contract basis. Analyzed sponsor financials, property operating statements, and third-party/Agency reports to assess credit risk.

Underwriting Credit Analysis Financial Statement Analysis Freddie Mac Fannie Mae

Underwriter, Assistant Vice President

Grandpoint Bank

Jun 2014 - Aug 2017 (3 years 2 months)

Underwrote wholesale and retail multifamily loan transactions from $500K to $15MM for individual borrowers and multi-layered entities. Performed annual loan review analysis of borrower financials, including personal and business tax returns, and property operating statements.

Underwriting Financial Statement Analysis Loan Review Relationship Management Site Inspections

Multifamily Production Analyst

Federal Home Loan Mortgage Corporation (Freddie Mac)

Feb 2012 - Jun 2014 (2 years 4 months)

Performed deal screening and cash-flow analysis in a high-volume deal flow environment. Worked with Senior Producers in the origination and structuring of long-term financing, recapitalizations, and supplemental debt.

Cash Flow Analysis Market Research Comparable Analysis Pipeline Management Excel Access

Education

Degrees, certifications, and relevant coursework

University of Pennsylvania

Bachelor of Science, Economics

Bachelor of Science in Economics with dual concentrations in Real Estate and Management from the Wharton School at the University of Pennsylvania, completed in May 2011.