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.

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.
• 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.

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.
• Prepared reports summarizing findings, presented facts, and offered opinion to the bank’s committee board members.