Carlos Santamaria Email & Phone Number

Phoenix, Az, Us

Greater Phoenix Area

Palo Alto, California, United States

Palo Alto, California, United States

Palo Alto, California, United States

Palo Alto, California, United States

San Jose, California, United States

• Collect, organize, and analyze applicant’s company financial statements and tax returns.• Review and analyze client’s personal financial statements and tax returns in order to establish repayment ability and cash flow uses.• Review appraisals and environmental reports in order to conduct collateral analysis.• Interact with applicant to collect necessary information regarding financial and accounting discrepancies. • Assist Business Development Officer/Relationship Manager in… Show more • Collect, organize, and analyze applicant’s company financial statements and tax returns.• Review and analyze client’s personal financial statements and tax returns in order to establish repayment ability and cash flow uses.• Review appraisals and environmental reports in order to conduct collateral analysis.• Interact with applicant to collect necessary information regarding financial and accounting discrepancies. • Assist Business Development Officer/Relationship Manager in gathering information necessary to process loan application.• Assist Relationship Manager in loan analysis and underwriting requirements.• Facilitate reporting and requests on behalf of the Bank with third parties (title companies, brokers, and appraisers). • Conduct lien searches and other research necessary to approve and document loan.• Assist Relationship Manager with servicing action requests including contacting client for past due payments and assisting with collateral exchanges and payment modifications. Show less

Redwood City, California, United States

• Processed new accounts through CRM and verify needed documentation (credit applications, contracts, purchase orders, tax certificates, and W9’s).• Conducted credit investigations for new and existing customers utilizing current industry tools (Dn&B, Lexis Nexis, Equifax, and bank and trades references). • Analyzed and translated international financial statements for potential credit risks.• Established credit limits up to $100K for new customers.• Actively collected on AR… Show more • Processed new accounts through CRM and verify needed documentation (credit applications, contracts, purchase orders, tax certificates, and W9’s).• Conducted credit investigations for new and existing customers utilizing current industry tools (Dn&B, Lexis Nexis, Equifax, and bank and trades references). • Analyzed and translated international financial statements for potential credit risks.• Established credit limits up to $100K for new customers.• Actively collected on AR portfolio of $5 Million, while maintaining 90% of receivables as current. • Functioned as an effective team facilitator for customers and salespeople, in identifying and resolving sales discounts and terms disputes, while reinforcing credit and collection policies. • Reported to VP of Sales with detailed summary of new accounts opened on a weekly basis. • Composed Extended Terms & Bad Debt Report for upper-management on a monthly basis.• Assisted Credit Manager in calculation of monthly DSO and Monthly Management Report.• Posted cash and ACH/wire transfers from customers in Navision accounting system.• Reconciled intercompany GL with collaboration of international BCS subsidiaries. • Actively assisted in the integration of the AR department with acquiring company.• Trained Univar’s AR and Cash Applications Department on Navision accounting system and BCS’ processes, policies and procedures. Show less