• Conducted analytical reviews on bank’s loan portfolio, with the objective of assigning classifications to the reviewed loans• Conducted audits on the loan files to ensure that all the legal/compliance requirements were properly documented • Reviewed loans, to be purchased from other banks, as a member of an asset acquisition team• Prepared and organized documents requested by Federal/State Bank Examiners during on-site audits• Collaborated with bank’s Mexican representatives to ensure proper reporting is provided to theMexican tax authority• Supervised new credit analysts to ensure proper integration into the credit analysis department• Informed bank’s senior management and Board of Directors on federal compliance issues regarding: bank’s risk based capital and loan to value requirements• Informed bank’s senior management and Board of Directors on past due loans

• Prepared underwritten commercial loan packages for the bank’s loan committees• Spread and analyzed borrower’s financial statements and tax returns for credit worthiness• Translated, spread, and analyzed Mexican borrower’s financial statements and tax returns for credit worthiness• Prepared the analysis required to monitor the bank’s Allowance for Loan and Lease Losses, areserve account for outstanding bad debts• Analyzed real estate appraisal and real estate market conditions to ensure the loans will be secured by desirable collateral