David Banuelos Email and Phone Number

Partner with Commercial Lenders, Credit and Operations to optimize and maintain the bank’s Commercial Lending System. Product optimization includes configuration, customization, and/or integration with third party applications. Responsibilities include ensuring that requirements are configured/developed, tested, and deployed into production as expected.

Partnered with Business Architect to demo Odessa Core (fka LeaseWave) key features to Client, including Party Management, Opportunity, Line of Credit, AP Management, Contract Creation/Booking/ServicingAnalyzed Business Requirements to fulfil with commercial-off-the-shelf ("COTS") system configurations and/or recommend business process adjustments to adapt to the COTS product featuresCollaborated with End Users to complete User Acceptance Testing utilizing Zephyr Scale and JIRA

Analyzed Farm Credit finance and accounting reporting processes including Dimension and Member metadata to create and update Reporting Requirements documentation for a software implementation project sunsetting Oracle Hyperion Financial Management and transitioning to OneStream Enterprise Performance Management

Created and updated User Stories and Acceptance Criteria on an Agile Scrum Team to integrate a broker-dealer investment portfolio rebalancing tool

BA on Commercial Loan Origination System Focused on Integrations with CRM, Credit Tools, Doc Generation, and Loan Accounting

BA on Commercial Credit Loan Origination Software Implementation

• Led and heavily participated in I/T initiatives to deploy new as well as to improve existing software applications and tools that supported credit analysis, exposure management, credit authorization, and portfolio reporting.• Led several RiskAnalyst deployments and was primary Subject Matter Expert in various strategic projects.• Liaised with Product Managers, DEV/TST Leads, and Business Management to analyze, vet and document product solution designs for both defect resolution and product enhancements.• Provided support to the Commercial Credit Department as the Moody’s Analytics RiskAnalyst system admin—including utilization of RiskAnalyst Studio to maintain validated scorecard and internal risk grading information (PD/LGD).• Collaborated with internal auditors to facilitate Controls Self Assessments and with external auditors to audit DFS’ financial portfolio—particularly the credit approval process.• Reviewed and addressed audit issues to mitigate any identified audit citing—including working with Chief Credit Officer to vet, document, and execute Management Action Plans.• Worked with Credit & Risk Management to develop, review, and when necessary update/revise commercial credit policy and procedure.• Collaborated with DFS Sales Reps to determine internal risk ratings, and adjudicate credit decisions for private and public sector customers.• Spread financial statements in Moody’s RiskAnalyst and used Excel spreadsheets or other forms of financial measures (e.g. S&P Research, FDIC Summary Info, or NCUA Performance).• Analyzed the profitability, cash flow, liquidity and financial leverage of commercial and industrial obligors and conducted specialized due diligence for the public sector and healthcare.• Applied Moody’s CreditEdge/RiskCalc Estimated Default Frequency information or Moody’s Q-Rate analytics and/or S&P credit rating summaries in the credit analysis. • Created/updated credit approval and credit review documentation.

Completed commercial credit underwriting for various commercial loan types: Oil & Gas, Commercial Real Estate, Working Capital Lines of Credit, Equipment Term Loans, Inventory Floor Planning Lines of Credit, Acquisition Loans, and SBA.Trained other commercial credit analysts on financial statement analysis, collateral evaluation, and writing credit approval memorandums presented to the bank’s loan committee.