David Cotto Santiago, Mba, Cicp Email & Phone Number

San Juan, Puerto Rico

Guaynabo, Puerto Rico

• Perform underwriting reviews of big projects to assess financial feasibility within CDBG-MIT program requirements.
• Determine the creditworthiness of borrowers by reviewing their historical financial statements and performing risk analyses of the borrower and business entity.
• Perform analysis of the project's economic feasibility, including cost factors, and review business operating income projections to assess their ability to support loan terms.
• Conduct review of business or industry growth trends by performing ratio analyses and assessing other risk factors.
• Prepare and provide underwriting review determinations with supporting analysis and supporting documentation in conformance with the requirements of 24 CFR Part 570, Appendix A to management.

San Juan, PR

• Direct and manage all loan origination/operations, reporting directly to the Chairman of the Board of Directors.
• Member of the Credit Committee and Risk Management Team with primary responsibility for the Credit Department restructuration, budget, loan volume and credit quality, credit staff training and development, Allowance.
• Provide accurate and timely monthly assessments to the Board of Directors on the quality of the bank's loan portfolio and high-risk loans.
• Managed and published the enhanced credit policy guidelines for the entire company to ensure the on-going management of sound credit risk management practices and procedures.
• Enhanced the Allowance for Loan and Lease Losses (ALLL) methodology to ensure compliance with Generally accepted accounting principles "GAAP" and to maintain reserves at levels sufficient to cover inherent losses to.

Puerto Rico Area

• Lead all lending activities of $45.0MM loan portfolio of customers among Latin America and Miami, Florida.
• Responsible for the identification and development of new or enhanced lending products designed to meet both the members borrowing needs and the Bank’s goals for loan portfolio growth and earnings.
• Assessed risk in lending loans and performs internal audits to ensure that all policy and legal requirements have been satisfied, exceptions noted and corrected, and maximum efforts have been taken to ensure compliance.
• Managed and executed quarterly Allowance of Loan and Lease Losses (ALLL) calculations and provide recommendations to the Board of Directors.

San Juan, PR

• Promoted to supervisor role to lead the workflow of field audit inventory team.
• Responsible for deliver credit risk and loan review analysis for Compliance QA Credit Operational Risk Group. Identify root causes, key risks and areas of operational risk only to the extent that they impact the credit.
• Periodically conduct credit quality review and monitoring of new originations and purchase validation process to ensure decisions being made in adherence to credit policy.
• Perform independent reviews and testing of first line of defense to ensure proper controls exist to identify and control risk taking within the underwriting function.

San Juan, PR

• Responsible for conducting credit risk analysis to the wholesale portfolio amounted to $365MM by monitoring relationships for security regarding collateral, conducting cash flow analysis to ensure borrower ability to.
• Collect and prepare FRY-14 work papers for the wholesale department in accordance with regulatory disclosures to assess the integrity and soundness.

San Juan, PR

San Juan, PR

Doctor Of Law - Jd, Banking, Corporate, Finance, And Securities Law

Bachelor’S Degree, Management, Graduate With Honors Cum Laude

Master Of Business Administration (M.B.A.), Finance, 3.93

Computer Science