Fernando Cole Email & Phone Number

Huntington Park, Ca

Leadership role; motivating and directing branch staff; expanding customer base by integrating products and services with clients' needs. Fully responsible for new deposit and loan originations providing a superior level of customer service and promoting a sales culture at all levels of the branch. Participating in community events in order to market and promote the Bank and to enhance new and existing business opportunities.

Huntington Park & Downtown Los Angeles

Business Development, commercial lending and portfolio management for businesses in South and East Los Angeles area.

2029 Century Park East, Century City, Ca

Relationship Officer· Business development, portfolio and relationship management. · Responsible for managing and promoting new loan and deposit origination for an existing portfolio of clients as well as generating new relationships. Current loan portfolio $140 Million for a total of 20 borrowing relationships.· Opening interview with prospect(s) and lending officers from Banamex, underwriting analysis and credit write-up for submission to Credit Committee, coordinate preparation of loan documentation, funding and portfolio management for C&I credit relationships, commercial real estate (industrial properties, industrial parks-maquiladoras). Ensure the documentation and information submitted for credit approval is complete and accurate. · Evaluate creditworthiness of borrowers assessing whether information on credit commitments meet the Bank’s and Regulators’ standards. Contact customers to explain credit decisions. Ensure Revolving Line renewals and Term Loans are done on a timely manner.· Recommend the right credit structure and prepare proposals, commitment letters and other communications to prospects as well as to existing clients.· Conduct periodic credit reviews to ensure compliance with policies and regulation with pertinent monitoring. Contact client(s) requesting updated information as well as potential changes in financial condition. Recommend the appropriate risk rating.

· Business development, portfolio and relationship management. · Responsible for managing and promoting new loan and deposit origination of an existing portfolio of clients as well as generating new relationships. · Opening interview with prospect(s), underwriting analysis and credit write-up for submission to Loan Committee, supervise preparation of loan documentation, funding and portfolio management for C&I credit relationships including owner-occupied properties and other commercial real estate (multi-unit apartment buildings, adult health care and skilled nursing facilities). Ensure the documentation and information submitted for underwriting is complete and accurate. · Evaluate creditworthiness of borrowers assessing whether information on loan documents meets the Bank’s and Regulators’ standards. Contact customers to explain credit decisions. Ensure Revolving Line renewals and Term Loans are done on a timely manner.· Recommend the right credit structure and prepare proposals, commitment letters and other communications to prospects and existing clients.· Conduct periodic credit reviews to ensure compliance with policies and regulation with pertinent monitoring. Contact client(s) requesting updated information as well as potential changes in financial condition. Recommend the appropriate risk rating.· Prepare post-closing memorandum and make sure borrowers’ credit files are complete according to Bank’s guidelines. Verify accuracy of appraisals, environmental, property condition reports and audits, being able to recognize critical issues as they appear.· Overseeing the maintenance of commercial credit files and relationships with a loan portfolio of $60MM with a past-due ratio of 0.0%, assuring that all clients’ needs and Bank’s requirements are met. · Experience with loan participations both as the lead banker and participant banker.· New Loan prod: $18MM (8 loans) in 2007, $10MM (4 loans) in 2008, $11MM (2 loans) approved in 2009.

· Business development, portfolio and relationship management. · Responsible for managing and promoting new loan and deposit origination of an existing portfolio of clients as well as generating new relationships. · Opening interview with prospect(s), underwriting analysis and credit write-up for submission to Loan Committee, supervise preparation of loan documentation, funding and portfolio management for C&I credit relationships including owner-occupied properties and other commercial real estate (multi-unit apartment buildings, adult health care and skilled nursing facilities). Ensure the documentation and information submitted for underwriting is complete and accurate. · Evaluate creditworthiness of borrowers assessing whether information on loan documents meets the Bank’s and Regulators’ standards. Contact customers to explain credit decisions. Ensure Revolving Line renewals and Term Loan renewal/refinancing are done on a timely manner.· Recommend the right credit structure and prepare proposals, commitment letters and other communications to prospects and existing clients.· Conduct periodic credit reviews to ensure compliance with policies and regulation with pertinent monitoring. Contact client(s) requesting updated information as well as potential changes in financial condition. Recommend the appropriate risk rating.· Prepare post-closing memorandum and make sure borrowers’ credit files are complete according to Bank’s guidelines. Verify accuracy of appraisals, environmental, property condition reports and audits, being able to recognize critical issues as they appear.· Overseeing a portfolio exceeding $30MM with a past-due ratio of 0.00%, assuring that all clients’ needs and Bank’s requirements are met.· New Loan Prod: $19MM (17 loans) in 2004, $22MM (19 loans) in 2005, $9,5MM (12 loans) in 2006.· Experience with loan participations both as the lead banker and participant banker.· Experience in SBA loans (504 and 7-A).

· Business development, portfolio and relationship management.· Responsible for the development of the commercial loan portfolio in the downtown Los Angeles area. In charge of the growth and quality of the credit portfolio. C&I, commercial real estate (owner-occupied and non-owner occupied).· Oversaw the maintenance of all commercial credit files and business accounts, assuring that all clients’ needs and Bank’s requirements are met. · Establishment, maintenance and collections of business accounts with a volume exceeding $15MM with a past-due ratio of 1.0%. · New loan production of $6MM (65 loans) in 2000.· From April, 1995 to June, 1997, Supervisor of the Consumer Lending Division. In charge of the reception and review of consumer credit applications from eight branches. Loan application processing, underwriting, credit analysis and recommendation. Review of loan documentation prior to closing, loan origination, follow-up, customer service and collections.

Mba

B.S., Business Administration Emphesis In Accounting