Frank Larreta Email & Phone Number

Riverside, Ca

• Analyze operating statements, balance sheets and financial statements to determine past financial performance, project future financial probabilities and cash flows, determine IRR on current and future assets by using key banking ratios and trends. • Prepared monthly financial reports for forecasting and result analysis of bank assets that were given to executives that highlighted profitable and distressed assets of the bank.•Underwriting all loan extensions, modifications and periodic risk grade reviews for an assigned portfolio of loans. •Underwriting all new loan requests from loan brokers as well as existing borrowers within assigned loan portfolio•Collecting updated borrower financial information in accordance with periodic reporting requirements and completing scheduled loan reviews per Bank policy. •Proactively grading loans based on periodic review of financial or other information or data that would prompt a risk grade change.•Ensuring that all correspondence and updated information is maintained in credit files including all approvals, financials reporting and documentation related to modifications, extensions, forbearances and waivers, etc.•Coordinating with Loan Servicing and Loan Documentation as appropriate in managing existing credits. •Identifying potential opportunities for additional lending or other banking services as they arise. •Responsible for adhering to and complying with all Bank policies and Federal and State banking laws and regulations

We are dedicated to serving our clients with the highest quality of service. By incorporating the very best in product and knowledge our team of experienced professionals possess the depth of personnel and diversity of expertise to better meet the needs of our clients. Our outstanding relationships with some of the best Financial Institutions in the country help us provide our clients with the best possible and most competitive rates available and provide a fast efficient completion of your loan. We pride ourselves on our intense commitment to personal service.

• Analyzed operating statements, balance sheets and financial statements to determine past financial performance, project future financial probabilities and cash flows, determine IRR on current and future assets by using key banking ratios and trends. • Performed moderately complex statistical and financial analysis of secondary marketing packages that resulted in adding over $300 million in portfolio assets and $200,000 in net income to the bank.• Prepared monthly financial reports for forecasting and result analysis of bank assets that were given to executives that highlighted profitable and distressed assets of the bank.• Developed and implemented a department-wide software application using Excel, which streamlined the underwriting process and increased sales productivity for the department as a whole.• Top Commercial Real Estate Officer in 2007 and 2008

• Analyzed all operating statements, balance sheets and financial statements to determine key borrower and property ratios, future and past financial trends for all loans that originated under the Express Loan Program of the bank.• Applied a working knowledge of all applicable laws and regulations; verifying appraisal, title, escrow and easement reports for completeness and compliance with government and private agencies.• Served as primary point of contact for Express Program and performed timely research to answer questions from Department Heads.• Managed a monthly portfolio that consisted of 20+ assets totaling over $10 million on average.