Robert Hanzel - Financial Reports - Banking: U.S. - Real Estate

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Expert Profile: Robert Hanzel

Expertise: I can answer questions regarding most areas of consumer and commercial finance. I have extensive experience regarding various types of loans (commercial, consumer, USDA, SBA 504, SBA 7A, foreign), many investment vehicles, credit, economics, and banking. I am not an expert regarding tax structures and other tax issues and thus would not recommend asking tax related questions.
Over 11 years Financial, Investigative, and Legal experience including loan review, due diligence, financial analysis, collections, and risk management. I have managed Credit Administration, Loan Administration, Credit Analysis, Credit Review, Liquidation Departments, Collections, and workouts

Organizations
Both the Risk Management Association and the Bank Administration Institute.

Education/Credentials
I have obtained both my Credit Risk Certification from the Risk Management Association and a Loan Review Certification from the Bank Administration Institute.

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Average Ratings
Prestige Points: 400
Knowledge	10.0 Best of the best
Clarity of Response	10.0 Best of the best
Timeliness	10.0 Best of the best
Politeness	10.0 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		5
Total Questions (since joining AllExperts)		11

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	03/08/07

User Comments

Thank you for the clear answer
(Tom on 03/08/07)

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Recent Answers from Robert Hanzel

2007-03-07 Explain what this means: Well, this breaks down into several parts so I will define each: private equity takeout - another company, lender, individual, etc. will come in and purchase a large enough portion of the stock to take...

2007-02-13 basic accounting-differentiating between financial statements: Their are three basical financial statements. The first is the income statement (sometimes called the P&L) and this statement shows the income versus expenses. The second is the balance sheet. The balance...

2006-11-21 Present Value of Future Benefits: I apologize profusely, but I am on the road without access to the majority of my resources and will not be able to help answer your question. Please direct the question to one of the other experts who...

2006-10-15 Loan interest calculating: It most certainly makes a difference. By applying it to principal you reduce the overall principal balance by the full amount. However, if you make an additional installment payment than a portion of the...