Howard Kramer

Background

About Howard Kramer

I am a finance and real estate professional with 25+ years of experience in underwriting, due diligence, portfolio management, market research and business development. Most positions have been in a senior or management capacity. My current position is as a senior analyst for the U.S. Small Business Administration. My immediate prior position was underwriting manager for the Prime Bridge group at Angel Oak Mortgage Solutions. General Finance Overview Financial Underwriting (5+ years)- Small Business Lending & Municipal Government Bond Issuances Forensic Auditing Financial Analysis and Budgeting Fraud Investigation and Loss Recovery Real Estate / Mortgage Overview Mortgage Underwriting (15+ years)- Residential & Commercial, Front End & Post Closing Portfolio and Risk Management Least Abstraction and Rent Roll Analysis Managing, Leasing and Sales Support Market Analysis and Reporting Site Inspections Odds and Ends Business Writing - Wrote extensively when working for Marcus & Millichap; articles published in a number of periodicals, including once in the Wall Street Journal Travel Writing - While this was not business related, published several travel books, including one award-winner and one that is regularly a top seller in its category Volunteer Work - Served in the United States Peace Corps after college; taught high school mathematics in Chad College Sports - Part of the cheerleading squad that came in 9th place at the national championships in 1992 (okay, I was the team mascot; but I thought this might make a fun talking point)