Anthony Barcelo Email & Phone Number

Miami, Florida, United States

* Specialization in Commercial Real Estate loan requests and is responsible for preparing complete and accurate credit analyses in a timely manner that meets or exceeds internal business partners' needs, customer expectations, regulatory requirements and leading industry practices.*Accountable for protecting the Bank by providing an unbiased and objective.

Miami, FL

• Through ongoing portfolio management primarily in the form of annual reviews, seek out early warning signs of deteriorating credit trends
• Recommend appropriate credit structure and assemble underwriting packages for new and renewal credit opportunities.
• Make ongoing assessments relative to credit risk ratings
• Manage various reports including ticklers, documentation exception, coming due annual reviews, past dues and risk ratings.

Miami, FL

• Assist in assessing the overall quality of the Bank’s commercial loan portfolio and the adequacy of loan administration practices by reviewing, on an ongoing basis, a sufficient sampling of commercial credits.
• Assist in identifying actual and potential loan problems at the earliest possible time and making recommendations to remediate credit weaknesses.
• Assist in measuring compliance with established loan policies/procedures and with laws and regulations
• Sampe non-homogeneous loans using risk-based selection criteria to determine the reliability of the loan review system.
• Perform an analysis/review of individual commercial credit files with the intent on determining their credit quality and validating the accuracy of the assigned credit risk rating.
• Document credit review reports with information supporting the risk rating determination and the adequacy of loan administration practices.

• Provided on-going evaluation of loan portfolio quality and composition
• Ensured that acceptable credit standards were maintained and the loans conformed to established Bank Policy and procedures, as well as, regulatory requirements
• Identified problem loans and conducted continuous reviews of the Loan Portfolio to provide senior management and the Audit Committee with objective assessments of credit quality
• Reviewed, monitored and provided loan grade change recommendations and maintained documentation supporting all such changes.

• Performed Loan Reviews on the bank’s loan portfolio dealing with CRE, C&I and Residential Mortgages to ensure proper classifications as per Bank Policy & Federal Regulations
• Communicated exceptions and findings to Loan Officers/Department Manager/Senior Management to address credit/legal deficiencies on a timely basis
• Compiled and analyzed financial documentation and other pertinent loan documentation in order to assess repayment capacity

Master'S Degree, Business Administration And Management, General

Bachelor'S Degree, Business Administration And Management, General