Daniel Calvo Email & Phone Number

El Paso, Texas, United States

El Paso, Texas Area

Sunflower Bank El Paso, TX – www.sunflowerbank.com Commercial Loan Portfolio Manager, August 2018 to PresentResponsibilities:• Actively manage a commercial loan portfolio of over $120MM.• Implement time management strategies to ensure loan renewals, annual reviews, and new loans to be analyzed and approved in a timely manner. • Analyze and underwrite commercial loan requests commercial customers with sales between $1MM to over $50MM. • Expand client relationships by applying knowledge of credit policy, pricing and structure to develop solutions that meet the client’s need and Bank risk acceptance criteria.• Provide preliminary analysis of financial statements, projections and business plans.• Participate in research, preparation and execution of customer calls.• Lead discussions with credit approvers and take ownership of the credit process from inception to closure.• Review internal and attorney prepared loan documents to ensure accuracy as compared to the credit approval package; works closely with loan documentation specialist to ensure timely completion.• Manage financial reporting requirements, covenant requirements testing, past dues and documentation exceptions.• Proactively identified warning signs of declining creditworthiness and worked with RMs to ensure early intervention in order to minimize losses.• Ensure compliance with internal bank commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants.• Participate in loan review meetings to certify the bank complies with OCC and regulators.

Houston, Texas Area

BBVA Compass Houston, TX – www.bbvacompass.comLoan Portfolio Manager, June 2010–PresentTo strive to balance credit quality goals and sales by serving as an independent credit expert. Develop working relationships with internal teammates, attorneys, auditors, loan documentation specialists, underwriting team and other bankers.Responsibilities:•Actively manage loan portfolio of over $600MM.•Successful 5 year record of under .30% in “past due” ratios for total loan portfolio and under .50% for each reporting quarter.•Expand client relationships by applying knowledge of credit policy, pricing and structure to develop solutions that meet the client’s need and Bank risk acceptance criteria.•Review internal and attorney prepared loan documents to ensure accuracy as compared to the credit approval package. •Ensures compliance with internal bank commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants.BBVA Compass, Fort Worth, TX – www.bbvacompass.comInternational Commercial & Wealth Management Underwriter, September 2006–June 2010•Analyzed Commercial and Real Estate loan requests.•Reviewed primarily commercial loan applications and analyzed financial statements and tax returns to make a general assessment of the customer’s credit worthiness.•Performed analysis of real estate used as loan collateral and assessment of liquidity process, management quality, market position, and overall business climate to estimate future business profitability.•Prepared reports summarizing findings, presented facts, and offered opinion to the bank’s committee board members.EDUCATIONSt. Mary’s University, San Antonio, TXBachelor of Business Administration, December 2003 • Concentration in Corporate FinanceLANGUAGES • English (Native); Spanish (Native)

Houston, Texas Area

• Analyze Investment Portfolios that are used as collateral for Commercial and Wealth Management loan requests. • Reviewed primarily commercial loan applications and analyzed financial statements and tax returns in order to make a general assessment of the customer’s credit worthiness.• Conducted reviews of balance sheets and profit and loss statements presented by the applicants for large commercial lines of credit. • Performed initial analysis of real estate used as loan collateral, and an assessment process of liquidity, quality of management, market position, and overall business climate to estimate future profitability of the business. • Prepared reports summarizing findings, presented facts, and offered opinion to the bank’s committee board members.