Chris Lerma, Clfp Email & Phone Number

Bend, Or, Us

San Francisco Bay Area

San Francisco Bay Area

-Directly manage a team of credit managers and analyst responsible for underwriting $65MM+ in annual volume while maintaining a loss/charge off rate superior to industry peers.-Manage customer, industry, and asset exposures within the $60MM portfolio to levels congruent with the companies strategic risk tolerance.-Oversee the workout/collection department.-Co manage the document and funding department. Develop documentation and funding policies.-Effectively improved credit processes to substantially reduce cost per transaction and turnaround time.

-Established the syndication division from scratch with the objective of obtaining an efficient way of managing industry/customer/asset internal exposures while preserving customer control.-In first full year of operation the division sold $22MM+.-Seek, develop, and manage funding source relationships that are in line with the companies strategic objectives.-Review, manage, and approve all master sales agreements.

-Worked with management team to determine and set the companies risk tolerance for certain industries and finance programs.-Continued to review and improve company internal credit policies-Sr analyst on a 3 person team responsible for underwriting $30MM + in volume.-During 2011 - 2013 period the team achieved a 70% approval rate while achieving loss rates substantially below the industry average (less than 1%).

Portfolio analyst for Dunhill Leasing which was a joint venture with Allegiant Partners and a hedge fund created for the sole purpose of analyzing and purchasing distressed loan and lease portfolios ranging from $2M-$20MM. Due diligence includes verification of sellers accounting system information, loss data, collection notes, reports, and documentation. As a portfolio analyst my responsibilities include the following:- Assessing sellers to determine their credibility.- Reviewing underlying contract documentation.- Review aging trend analysis reports, collection notes, historical portfolio losses.- Calculated the PV of future cash flows at the expected rate of return.- Appraising the underlying collateral and ultimately work with partners to determine with an appropriate bid price.

-Investigate, evaluate, and weigh the potential risks of credit applications and make credit decisions congruent with Allegiant's parameters of acceptable risk and expected profitability. -Sole authority to approve up to $150K exposure.-Determine overall credit risk profile and compile credit write ups/spreads for full financial package applications from $50K to $300K. -Calculate financial ratios, liquidity, capitalization, debt service coverage, and leverage of small to mid size businesses. -Interview potential clients to determine sufficient business acumen, experience and character.-Research risks associated with certain industries and local economies.-Verify true collateral values and determine secondary market.

-Responsible for underwriting small ticket applications with sole authority to approve up to $50K.-Underwriting responsibilities included reviewing personal and business credit reports, accessing industry and business profile risk, researching asset values, asset re-marketability, and accessing personal guarantor character. -Analyzed and spread financial statements,tax returns, personal financial statements for larger transactions. Submitted write up, key financial ratio calculations, and analysis summary along with recommendation for approval to management.-Review and approve equipment suppliers-Communicated credit decisions to third party brokers

Ba, Business Administration With Emphasis On Finance

Activities and Societies: Kappa Alpha Order

Education record