Santander Bank, N. A., is a wholly owned subsidiary of Spanish Santander Group, based in Boston. Its principal market is the northeastern United States and asset size is about $75B.Started as a Credit Officer and later transitioned to a Portfolio Manager. As a Credit Officer, underwrote new loan submissions, lines of credit, term loans, leases, and corporate credit cards, primarily for the NYC sales team. Transaction sizes ranged from $1.5 to $5MM. Primary contribution was the disclosure of credit risks with new deal submissions and structuring deals to mitigate the risks. Peer reviewer of colleague's underwriting. Posituon of Manhattan based Portfolio Manager was the monitoring and over site of an assigned $75MM of primarily C&I, CRE and ICRE loans, largely located in Manhattan and Brooklyn. Performed Annual Reviews on all accounts, monitored loan covenants and financial reporting compliance, processed transfers to Work Out as appropriate and performed collection activity on past due accounts. Position necessitated extensive borrower and Relationship Manager interaction to help ensure early problem loan detection and risk mitigation. Was selected to work with loan approvals associated with the Payroll Protection Plan and as a special assignment and was commended for my contribution.

Ponce De Leon is a $1B NYC area regional bank. The loan portfolio is largely comprised of commercial real estate and construction loans.Managed diverse loan portfolio of New York metro area commercial borrowers, focusing on the small to middle market. Structured new loan transactions and renewals for Loan Committee presentation. Work with Relationship Managers to ensure efficient loan approval and documentation. Exposure to secured and unsecured facilities, SBA loans, syndications, asset-based loans and commercial and residential real estate, all within a wide range of industries. In particular, have worked closely with developers and contractors engaged in commercial and residential real estate.• Developed new credit approval processes designed to enhance credit approval and underwriting• Instrumental in developing new borrower asset-based lending program

Citibank is the consumer division of the $50B financial services multinational Citigroup. Citibank provides credit cards, mortgages, and personal and commercial loansManaged a commercial loan portfolio of 50 Manhattan based middle market borrowers aggregating $150MM. Exercised a $500M credit approval authority. Position responsibilities comprised efficient management of a large portfolio of diverse Manhattan based commercial loan borrowers. This included conducting underwriting requests for new and existing borrowers and Annual Reviews, early problem loan recognition and effective problem loan management with the goal of minimizing loan losses. This necessitated detailed analysis of financial statements, tax returns and other relevant records of borrowers and guarantors to derive overall credit worthiness and repayment capacity. Emphasis was on the higher dollar and more complex accounts. Responsibilities required superior analytical and critical thinking skills, strong written and verbal communication skills and the ability to work independently and within a team.Attended three day workshop on Early Problem Loan Recognition. Primary accomplishment was early identification of a number of problem accounts that enabled the implementation of mitigating measures that prevented what otherwise likely would have been a loan loss.

A United States government corporation providing deposit insurance to depositors inU.S. commercial banks and savings institutionsExamined financial institutions for soundness and consumer protection and participated in nationwide bank closings amid the worst financial crisis of the 21st century. Employed knowledge of the Dodd–Frank Act while serving in functional areas: as branch manager in bank closings including banks taken over and where deposits were paid out. Performed the Dodd-Frank Act stress test (DFAST) on selected institutions. Recognized with a Mission Achievement Award for contributions to the OCFI’s efforts to implement Dodd-Frank Reform and Consumer Protection Act rules. Developed an organization and operating model for systemically important financial institution (SIFI) evaluations and facilitated SIFI resolution plans. Established office’s non-asset defensive litigation (NADL) function and became the NADL subject matter expert (SME).Prior Experience

Several years of lending, credit, audit and due diligence with Chicago area banks, in addition to federal government regulatory experience with the Resolution Trust Corporation and public accounting. Exposure to secured and unsecured lending, leasing, SBA, and asset based loans. Worked with a wide variety of industries ranging in size from small, privately-held firms/start-ups to large public companies. Experience with businesses in manufacturing, distribution and service. Formally credit trained.