Daniel Echegaray Email & Phone Number

Hollywood, FL, US

United States

• Conduct in-depth review of financial statements and tax returns for both borrowers and guarantors.
• Perform comprehensive credit analysis on existing borrowers, including handling SBA loan servicing requests such as deferments, extensions, rate adjustments, collateral modifications, and more.
• Prepare annual financial reviews as required, ensuring compliance and performance assessments.
• Proactively manage the SBA loan portfolio, monitoring for any changes in risk grading or loan status.
• Evaluate and prepare loan covenant performance indicators to assess borrower compliance.
• Submit recommendations for loan approval or denial to the appropriate authorities for final decisions.

• Manage and review initial servicing action requests. Gather pertinent information required from borrowers to process servicing action requests
• Assist preparing loan documentation such as Modification Agreements, Subordination Agreements, Security Agreements, Guarantees, etc. to facilitate service action requests
• Update ETRAN with service action changes in accordance with SBA's Servicing Matrix as needed
• Maintain, manage, and track all pending/outstanding loan documents and exceptions unable to obtain by the post-closing team. Work with borrowers and lending team to correct any file deficiencies and monitor the receipt.
• Track and file UCC-3 amendments and continuations as needed
• Ensure all customer requests, updated documentation, and communication notes are properly documented in the system

• Review and analyze loan documents and contracts for accuracy, completeness, and compliance with policies and regulations.
• Collaborate with attorneys, title companies, and lenders to ensure all necessary documents are properly executed and recorded.
• Communicate with borrowers and lenders to ensure a smooth and timely closing process.
• Identify and resolve any issues that may arise during the closing process, including discrepancies in loan documents, title issues, and borrower concerns.
• Review and verify that all supporting documents are collected, correctly uploaded, and are up to date for new loan applications.
• Review CDC's credit approval and understand all deal terms related to the transaction to include borrower entity structure, deal structure and deal terms, collateral and collateral requirements.

• Conducted thorough review of small business financial information provided including IRS Tax Returns/Transcripts, CBRs, financial statements, asset and depreciation schedules, and other relevant business documentation
• Utilized SBA approved cash flow analysis chart to determine small business liquidity value and DSCR from both business and global perspectives
• Analysed and spread affiliate business financials to ensure they would not be a strain on the borrower's application
• Prepared detailed Credit Memos outlining small business financials, ability to service requested debt, trending, and additional information for third parties to comfortably extend credit
• Discussed business description, history, products/services, business model, customer base, strengths, and weaknesses
• Compared business NAICS and franchise data to Coleman statistics and Fran data or trends, and assessed the success rates of the business or franchise

• Reviewed and analysed servicing actions on 7a and 504 loans, including modifications, charge-offs, and subordinations.
• Ensured that servicing actions were consistent with SBA Standard Operating Procedures (SOP) and Servicing Matrix guidelines.
• Reviewed and processed borrower requests for deferments, forbearances, and modifications to 7a and 504 loans.
• Communicated with borrowers, lenders, and Certified Development Companies (CDCs) to resolve servicing issues and answer questions.
• Conducted regular portfolio reviews to identify potential problem loans and recommended appropriate actions to mitigate risk.
• Managed collateral monitoring and risk management activities for 7a and 504 loans, including UCC filings, title insurance, and property insurance.

Fort Lauderdale, Florida

• Accountable for managing budgets, payroll, profit and loss, and general accounting.
• Successfully controlled profits and losses by adhering to company guidelines for labor and inventory management.
• Focused on enhancing sales and predicting future performance.
• Supervised and managed all operations and personnel according to established company standards, policies, and procedures.
• Planned, organized, and coordinated team members to provide efficient and profitable service of food, beverage, and other products.
• Recruited new talent, introduced them to the company, and guided them through the hiring and training process

Coconut Creek, FL

• Prepared and managed budgets, revenue, and monthly P&L reports, as well as handled daily bank deposits.
• Developed financial strategic plans to meet restaurant financial objectives and maintained an annual forecast of $1MM.
• Oversaw administrative management of the restaurant, including general administration, partnerships, and customer service.
• Improved the business supply chain to increase customer loyalty and revenue, while also excelling at day-to-day responsibilities in logistics, distribution, human resources, and budgeting.
• Coordinated a team of staff members, managed the department's budget, and led multi-departmental teams to support professional development and programs.
• Provided project management support and execution to three stores from idea to implementation and testing stage, bringing the stores from negative to positive revenue.

Pembroke Pines, FL

• Advised clients on various banking products and services, including deposit accounts, loans, credit cards, and investment options
• Assessed clients' financial needs and recommended appropriate solutions to help them achieve their goals
• Acted as the primary point of contact for clients, building and maintaining strong relationships with them to ensure their satisfaction and loyalty
• Managed clients' accounts and transactions, ensuring accuracy and compliance with bank policies and regulations
• Conducted financial reviews and risk assessments of clients to identify opportunities for cross-selling and up-selling additional banking products and services
• Collaborated with other banking professionals, such as mortgage specialists and wealth management advisors, to provide comprehensive financial solutions to clients

Miami, FL

• Built, led and directed 30 accounts optimizing logistics and strategies increasing average monthly sales.
• Provided recommendations and risk assessments to ensure continuity and growth of industry sales.
• Provided strategic and tactical guidance to team by leading and providing oversight to achieve customer needs.
• Evaluated alternative product design to improve quality of brand by revamping advertising and removing underperforming products resulting in a step change improvement.
• Expanded business within the Spanish speaking communities by translating presentations, business letters, emails and sales to international clients.
• Improved growth of company by displaying merchandise within grocery stores and growing brand presence by monitoring store level orders and back stock needed to support the business.

Pembroke Pines, FL

• Developed outstanding customer service skills working for (and learning from) an extraordinary team with owners who stressed the importance of every aspect of customer relations.
• Performed company showings and promotional discussions in schools, theaters, hospital, and businesses to increase awareness.
• Monitored food preparation methods, portions, and presentation of food to ensure quality.
• Became adept at coaching and training new employees, instilling strong customer service, work ethic to achieve daily sales goals.

Bachelor Of Applied Science (Basc), Operations Management And Supervision

Supervision and Management

Associate Of Arts (A.A.), Business Administration And Management, General