Cristina Yoder Email & Phone Number

Austin, TX

Austin, Texas, United States

Austin, Texas, United States

Austin, Texas

Austin, Texas

Austin, Texas

• Responsible for structuring, underwriting and negotiating credit solutions for private companies with annual revenues of $5MM to $100MM.
• Approve credit exposure with single signing authority for relationships with up to $3MM in total credit exposure.
• Prepares and delivers credit analysis, credit approval documents, appropriate loan structure, risk rating and documentation within the bank’s policy guidelines.
• Partners with the Credit Products Officer, Client, Client Manager, Credit Products Analyst and other team members to deliver credit solutions to the client.
• Monitors the ongoing financial performance, Credit Agreement compliance, risk rating accuracy of the Clients in the portfolio.

Miami, FL

• Responsible for the credit risk management of the Bank’s existing Corporate and Industrial client base across the Tri-County markets (Dade, Broward, Palm Beach).
• Manage total portfolio of loan commitments in excess of $400MM, providing all loan renewals and credit servicing events.
• Provides underwriting for loans between $1MM to $5MM for the Business Banking Division.
• Duties include joint calls with Borrowers, risk mitigation, repayment viability analysis, and review and approval of all loan documentation.

Weston, FL

• Managed $18MM portfolio of existing loans, supporting the Senior Bankers and Relationship Managers with their sales and credit underwriting efforts, memo preparation and assisting in the sales proposal process.
• Monitored on-going basis information concerning customer financial performance, repayment ability, and industry trends to determine whether each loan is an acceptable risk to the bank.
• Responsible for all loan document preparation, including third party document coordination, completion and review.

Weston, FL

• Managed a loan portfolio of over thirty [30] loans totaling over $20MM, reducing the Bank’s exposure by over $5MM and restructured trouble debt into performing assets.
• Direct experience with loss-share assets and procedures for loan work outs; workout solutions included A/B notes, principal curtailments, and deeds-in-lieu of foreclosure with deficiencies.
• Negotiated workouts and prepared analysis for deals up to $1MM.

Miami, FL

• Managed all residential and commercial OREO properties.
• Provided value-added ideas and solutions for the Special Assets Department with respect to note sales, OREO sales and/or restructurings.
• Analyzed short-sale offers and provides recommendations to be presented to the Special Assets Committee for review and approval.

Responsible for a portfolio of wholesale funding through the use of listing services (i.e.- CDRateline, Qwickrate) in excess of $120 millionPerform back-up functions on the modeling of interest rate and liquidity sensitivity presented to the Asset Liability CommitteeServe as a liaison between the Treasury department and different units of the BankManage.

Cash handle of customer's personal checking and savings accountsRefer bank products to potential and existing customersCustomer Service Assist and train new tellers in the branch

Created presentations promoting study abroad programsCo-produce proactively with administration in International ProgramsAdvertise International Programs at the campus Union weeklyDistribute International Programs Brochures on campus facilities