Underwrite- Analyze the loan request by verifying information and quantifying the probability of repayment. This will include a review of tax returns, financial statements, projections, business plans, credit reports, etc. Find relevant industry data to support the assessment. Ensure the loan criteria meets credit policy guidelines. Identify risks & weaknesses and provide mitigating factors. Outline conditions of the loan approval.Prepare and present credit memorandums for internal… Show more Underwrite- Analyze the loan request by verifying information and quantifying the probability of repayment. This will include a review of tax returns, financial statements, projections, business plans, credit reports, etc. Find relevant industry data to support the assessment. Ensure the loan criteria meets credit policy guidelines. Identify risks & weaknesses and provide mitigating factors. Outline conditions of the loan approval.Prepare and present credit memorandums for internal approval and/or external loan committee review. Document the file to evidence proper use of authorityFacilitate Closing – Prepare a Summary of Loan Terms and guide the borrower through the pre-closing process. When all conditions are met, prepare closing documents. Properly document file after loan closes.Provide Technical Assistance – For any prospective borrowers that need pre-application or post-closing support, refer them to the appropriate resources for counseling.Portfolio Reporting - Prepare analytic reports on loan portfolio performance on a monthly, quarterly, and annual basis. This includes generating investor and internal reports that are accurate, complete and timely.Perform Borrower Site Visits – On a recurring basis, visit borrowers’ places of business and document the loan file with details about the client meetings, collateral inspections and operational soundness.Service Loans through Amortization – Respond to requests for loan modifications. When needed, assist with collections and liquidation efforts.Execute Marketing Strategies that seek to develop micro-loan products that create exposure for OLCDC/CFNMD, increase brand awareness and drive sales volume. Advocate within the Service Area - Promote CFNMD’s loan products and technical assistance resources to prospective borrowers, community organizations, banks, and government agencies.Stay updated on lending trends and industry best practices Show less

• Review and analyze quality of the financial position of any loan guarantors, including personal financial statements and tax returns.• Prepare appraisal and environmental requests, demonstrating an understanding of appropriate methodologies to request. Review and analyze legal documents such as wills, trusts, UCC search information and title reports to determine if additional information is necessary to fully underwrite the loan.• Research, review and analyze appraisals, leases and… Show more • Review and analyze quality of the financial position of any loan guarantors, including personal financial statements and tax returns.• Prepare appraisal and environmental requests, demonstrating an understanding of appropriate methodologies to request. Review and analyze legal documents such as wills, trusts, UCC search information and title reports to determine if additional information is necessary to fully underwrite the loan.• Research, review and analyze appraisals, leases and industry data. Perform market studies. • Prepare narrative analysis of findings and assist with drafting loan presentations for new and additional credit proposals. • Perform master file maintenance, including quarterly covenant tracking, ensuring accuracy and completeness. • Recommend loan terms and pricing structures based on loan package. Determine financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis of existing relationships using appropriate structure while identifying key risks. Show less

*Coordinated the opening for Start-up financial center in the north-dade region *Experience managing branch portfolio’s which consist of over $64 million *Developed specific strategies and monitored progress to meet and exceed goals *Service transactions for financial center *Establish strategic partnership with business segments to retain high-end clients and overall growth *Analyze and report financial center production to senior management and business… Show more *Coordinated the opening for Start-up financial center in the north-dade region *Experience managing branch portfolio’s which consist of over $64 million *Developed specific strategies and monitored progress to meet and exceed goals *Service transactions for financial center *Establish strategic partnership with business segments to retain high-end clients and overall growth *Analyze and report financial center production to senior management and business partners *Serve as empowered decision maker and escalation point for all service, budget and operational issues *Developed credit relationship, which included equipment leasing, commercial real estate financing, extending business equity lines of credit, letters of credit, and SBA financing for small business clients in North Dade region. *Manage client relationships in the Book of Business to optimize growth, retention and profitability *Responsible for building and maintaining relationships between Wachovia bank and premier companies. *Motivate branches in the Dade-North cluster by providing strategies and taking advantage of their target markets *Works to build a long-term advisory relationship with each client by analyzing situations from the client’s perspective and with the goal of achieving results which are in the best interest of the client and Wachovia. *Coordinate external prospecting through each branch for development of premier relationships. Show less

*Review consumer credit reports and compile information for debt to income analysis, providing customers with a cost-benefit resolution *Educate and motivate junior account manager in areas of opportunity and assist them with maximizing the use of their tools by utilizing process improvement methods *Issue monetary adjustments and prepare input for non-monetary adjustments, as defined by company policy and applicable regulations *Enhance and Deepen customer relationship… Show more *Review consumer credit reports and compile information for debt to income analysis, providing customers with a cost-benefit resolution *Educate and motivate junior account manager in areas of opportunity and assist them with maximizing the use of their tools by utilizing process improvement methods *Issue monetary adjustments and prepare input for non-monetary adjustments, as defined by company policy and applicable regulations *Enhance and Deepen customer relationship through cross-selling a variety of bank products *Assist in managing the performance of 100 Telesales representatives to achieve department collection objectives; realizing $47 million reduction in outstanding delinquent balances (October 2002). *Selected and participated in regional office site start-up for Consumer Finance Collections. *Assist in managing 15-20 Account Managers to reduce delinquency by achieving collection rates goals. *Assist in recruiting and selection of qualified candidates. *Promote continuous education to the people of Consumer Finance and provided the means to build skill levels to maximize productivity in their current roles. *Create motivational techniques such as special incentives and contests that focused on increasing productivity and efficiency. *Develop collection strategies, inspired Account Managers, and managed expenses to achieve department standards. *Direct responsibility for interpreting risk as it pertains to delinquency, monetary adjustments and loan loss. Show less