EDWARD CASTILLO BATAC

1110 Morning Mist Ct

Sugar Land, Texas 77498
Home: (281) 242-6673
Cell: (215) 869-2426
Work: (713) 469-5543
Email: Edward@aebproperties.com, eb103e7d4@westpost.net
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PROFILE SUMMARY
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With my extensive banking and financial experience combined
with my real estate investment practice, I have an in depth
understanding of banking and financial regulations as well
as real estate operations that will contribute to a company's
success. I am an experienced professional with a successful
career for 8 years in the banking and financial services.
Throughout the years, I have been promoted to different
facets of the industry starting with customer service,
consumer lending, risk management, credit analyzing,
commercial underwriting and currently in asset acquisitions
and management. I am a detail oriented individual who has a
proven track record of sound decision making and excel
within highly competitive environments. Entrepreneurial by
nature and having a keen interest in real estate, I started
a real estate investment company 3 years ago focusing on
acquisitions, dispositions, analysis and management of small
to midsize income producing properties. I desire to find an
opportunity in the banking/finance and real estate field of
an established organization that will utilize my knowledge
and talent to serve others.
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EXPERIENCE
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AEB PROPERTIES & MALAYA MANAGEMENT, Sugar Land, TX
[MANAGING MEMBER/ ACQUISITIONS ANALYST]
April 2007-Present
Formed AEB Properties in 2007 and Malaya Management in 2010,
implementing a strategic marketing plan. Actively manage a
portfolio of real estate which includes multifamily, condos,
townhomes and single family homes. Offer properties for
lease, sale, lease purchase & owner financing as well as
consults clients with housing needs. Analyze in depth
investment real estate deals based on cash flow and cash on
cash returns to offer to investors. Network with commercial
real estate brokers, attorneys, and accountants in order to
provide valued added services to clients.
*In contract 161 unit syndication deal with over $2M in
equity
*Closed on 10/23/2010 on 52 unit in Spring Branch with
$500,000.00 in equity and cash flow
*Acquired single family row home through short sale and
disposed of asset 1 day on market for a $72,308.27 profit.
*Acquired single family row home through tax sale, completed
 renovations created over $80,000 in equity per appraisal as
well as $1,000 cash flow.
*Acquisition in 2010 includes 2 condos and 2 townhomes with
$210,000 in equity as well as $2,000 cash flow per month.
*Sold two single family homes in 2010 through owner
financing with $30,000 profit.
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PNC FINANCIAL SERVICES, Philadelphia, PA
[UNDERWRITING SPECIALIST 1]
April 2006 - June 2009
Analyzed business financial statements: audited, reviewed,
compiled, re-classed, company prepared tax returns. Assured
accurate input of financial information for existing and
potential business customers. Updated financial tracking
system and covenants as needed to OCC auditing standards.
Inputted precise non-profit, governmental entity,
and cash flow debt service coverage ratios into Excel
spreadsheet and automated spread system (Moody's Financial).
Delivered spreadsheets to underwriters, regional managers,
and business bankers. Reviewed new loan requests as well as
renewals by using particular financial ratios. Assisted
credit officers with any updates that would affect spread
ratios. Supported management in special projects as needed.
Successfully completed financial accounting, credit analysis
and credit risk management trainings.
*Exceeded quotas set by management by 25% every month since
starting in 2006
*Trained business bankers, future underwriters and regional
managers of systems in place to ensure guidelines are met
with regards to spreading financial statements.
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COMMERCE BANCORP, Mount Laurel, NJ
[FRAUD INVESTIGATOR]
February 2005 - April 2006
Prevented monetary exposure such as embezzlement and money
laundering by taking a preemptive approach. Investigated
electronic fraudulent cases and recovered lost funds.
Obtained extensive knowledge of Visa chargeback rules and
Regulation E.
*Awarded for having an offender arrested for identity theft
by providing solid evidence to the NYPD on 12/15/2005
*Acted as a liaison with the Secret Service, A.T.F., state
and local law enforcement agencies.
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COMMERCE BANK, Philadelphia, PA
[CUSTOMER SERVICE REPRESENTATIVE]
September 2003- February 2005
Represented bank's culture by providing outstanding customer
service and identifying customer's financial needs. Cross-
sold banking services and products to clientele. Set up
different types of personal, business, and investment
accounts in high volume. Processed Levies/Writs of
execution, domestic and international wires, credit card and
line of credit applications. Counseled clients with regard
to their borrowing needs.
*Contributed to Broad and Sansom Branch Lending Awards by
referring 60 clients to Commerce Capital and Commerce Resi-
dential Mortgage Departments in 2003-2004 contributing to
the $1,000,000 in sale goal.
*Received the Commerce Angel Award in October 2004 which
recognizes employees who prevented banking fraud.
*Nominated as Customer Service Representative of the Year
in 2004 by supervisors and peers.
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WOODFOREST NATIONAL BANK, Houston, TX
[PERSONAL BANKER]
May 2002-August 2003
Opened personal/business checking, savings, and certificate
of deposit accounts. Safeguarded depositors' funds by
properly verifying identification. Assured accuracy of work
and record keeping. Monitored and replenished ATM machines
on a daily basis.
*Achieved supervisor overrides for high dollar amount tran-
sactions $10,000 or greater.
*Mentored new employees to uphold image of bank through
excellent customer service and emphasis on teamwork.
*Named Employee of the Month in January, February, and March
2003 for opening up the most accounts.
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GONZALO JIMENEZ INSURANCE AGENCY, Houston, TX
[STUDENT INTERN]
August 1996 - May 1998
Identified client's insurance needs and clarified any
concerns with potential policies. Collected unpaid premiums
from customers and mortgage companies. Gathered information
for quotes on automobile, homeowners insurance, life insu-
rance, and annuities for potential and existing customers.
Completed projects as assigned and distributed mail.
*Created management worksheets for account payables and
commission compensation.
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EDUCATION
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BACHELOR OF BUSINESS ADMINISTRATION, University of Houston
*Major in Finance & Marketing
Graduated May 2003
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AFFILIATIONS
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University of Houston Finance Association Member
University of Houston Alumni Member
Realty Investment Club of Houston Member
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COMPLETED RELEVANT COURSES
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Financial Accounting for Lenders, Analyzing Business
Tax Returns, Analyzing Personal Finance Statements and Tax
Returns, Commercial Loans to Small Business, Corporate
Finance, and Commercial Bank Management. Real Estate
Investment Classes including Foreclosure, Lease Purchase
and Options, Tax Liens, Wholesale, Land Development,
Multi-Family and Commercial Training.
(Microsoft Word Resume Available on Request)