Andy Gago Email & Phone Number

Atlanta, Georgia, United States

Provide front end guidance on new and renewed credit requests including desirability of the loan related to the bank's credit appetite, structure, documentation and monitoring. Contribute to the timely response of requests by providing the essential yet sufficient financial package, analysis and capital stream information to the credit approving team..

Atlanta, Georgia, United States

Provided support to assigned RMs through underwriting and verification of risk assessment analysis on new loan requests and renewals for companies generally between $5MM and $75MM in revenue; ensured credit packages were complete, accurate and adhere to bank’s lending policy. Supported credit officers in the administration of the region’s commercial loan.

Atlanta, Georgia, United States

Managed commercial loan underwriting department and supervised senior and junior underwriters. Department responsible for credit underwriting and analysis of commercial loan applications, preparation of written loan presentations and presentation of loan requests for approval. Assisted in qualification of prospects in order to determine credit worthiness.

Marietta, Georgia, United States

Used my extensive banking and credit experience to provide commercial loan underwriting services for community banks in Florida and Georgia. Services included cash flow analysis, collateral analysis, guarantor analysis, identification of pertinent issues and identification of strengths and weaknesses. Clients included Floridian Community Bank and Sunrise.

Miami Lakes, Florida, United States

Created, started and managed small business underwriting department. Department functions included underwriting small business loan requests, preparing documents, ordering reports, booking loans and maintaining credit files. Responsible for credit quality, meeting turnaround standards, providing superior customer service and managing department staff..

Miami-Fort Lauderdale Area

Duties included underwriting small business loan requests while maintaining sound credit quality and adhering to established turnaround standards; providing a superior level of customer service to the banking offices; maintaining compliance standards and effective controls; and assisting with implementing training programs to enhance effective delivery of.

Hialeah, Florida, United States

Duties included responsibility for the development and quality maintenance of the commercial loan portfolio for three banking offices; loan and deposit growth; customer service; portfolio profitability; compliance; and staff development. Worked closely with area executive and office managers. On occasions filled-in as an office manager. Promoted to.

Miami, Florida, United States

Analyzed commercial and commercial real estate loan requests over $500M; assisted in preparing packages for loan committee meetings; received formal credit training.

Hialeah, Florida, United States

Began as a branch paying and receiving teller, then later worked in Coin & Currency Dept.; processed business deposits; balanced ATM; trained new tellers.