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 view of the prospective borrower and thoroughly disclosing all identified risks.*Responsible for the monitoring and ongoing maintenance of a portfolio, while supporting one or more Relationship Managers in this endeavor.*Primary focus on underwriting activities such as determining financial information requirements, performing borrower/guarantor analysis, review/analyze 3rd party reports, identify mitigate risks, collaborate on credit structuring and completion of full credit approval memorandums.*Collection and review of financial statements for covenant compliance, completion of draw requests and performance of property inspections.*Completion of annual, semi-annual or quarterly reviews as required on corporate lending relationships.

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. • Participate in targeted portfolio reviews of areas such as: Specific relationship managers, industries, lines of business, concentrations, or any other portfolio warranting closer and/or immediate scrutiny. • Conduct reviews of significant past due or non-accrual loans. • Discuss preliminary findings, conclusions and recommendations with appropriate lending officers.

• 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