Gonzalo R. Donoso Email and Phone Number

SLR Healthcare ABL provides flexible working capital financing to the healthcare sector. We leverage our deep expertise as the longest tenured team in the industry to develop customized financing solutions for our client partners. Since 1998, our team has exclusively supported the healthcare industry with over $2 billion in financings. Responsible for portfolio management of healthcare, ABL relationships with commitments ranging from $2MM to $40MM. SLR HC’s clients provide healthcare products and services and include hospitals, skilled nursing facilities, home healthcare, behavioral health providers, staffing companies, and specialty pharmacy, among others.Portfolio Management responsibilities include:• Maintaining client relationships.• Monitoring financial performance and credit compliance of the borrowers.• Recommending appropriate credit actions and preparing risk rating and credit write-ups for discussion and approval.www.slrhealthcareabl.com

SPM in the Bridge-HUD RE Finance Department

Managing an assigned healthcare line of credit facilities portfolio (Skilled Nursing Facilities), including facilities where CF may be an agent or a syndicated participant. The individual LOC facilities range from $500M to $18MM. Reviewing and approving daily/weekly borrowing base certificates and LOC advance requests. Collecting required financial reporting, including monthly financial statements, quarterly compliance certificates, annual corporate/personal tax returns and guarantor(s) personal financial statements.Performing LOC renewals, loan amendments, initiating and executing forbearance agreements, and conducting loan committee credit reviews. Performing monthly financial performance analysis and quarterly covenants compliance monitoring and testing.Mentoring collateral analysts/loan administrators and junior portfolio managers.

Analyze financial records of established and prospective commercial borrowers in order to identify risk and exposure, determine pledged collateral adequacy and overall company financial performance position.Perform quantitative and qualitative analysis on accounts receivable, inventory, accounts payable, bank statements and financial statements (Balance Sheet / Income Statement, Statement of Cash Flow and Projections).•Perform Recurring/Prospect/New Business Corporate/ABL Due Diligence field examinations. •Perform examinations on ART (Asset Resolution Team)/Workout Group RLOC loans.•Complete Detailed and Concise Examination Findings and Analytical Write-Up Reports.•A/R and Inventory Collateral Trends Analysis.•A/R and Inventory Collateral Performance Analysis.•A/R and Inventory Collateral Risk Exposure Assessment.•A/R and Inventory Collateral Coverage Analysis.•A/P Trends and Performance Analysis.•Cash and Taxes Analysis.•Borrowing Base Facility Structuring & Recommendations.•Borrowing Base Facility Monitoring & Recommendations.•Proficiency in reading and understanding Inventory, M&E and Real Estate Appraisals.•Proficiency in reading and understanding Loan Agreements and other legal documentation.•Financial Performance Analysis and Compliance (Sales, COGS, Gross Profit Margins, SG&A, Net Income/Loss, Covenants).•Customer/Vendor Market Industry Analysis.•RMA (Risk Management Association) Industry Comparative Analysis.

Performed ABL collateral examinations for national and regional banks and financial lenders.Analyzed financial records of established and prospective commercial borrowers in order to identify risk and exposure, determined pledged collateral adequacy and overall company financial performance position.Performed quantitative and qualitative analysis on accounts receivable, inventory, accounts payable, bank statements and financial statements (Balance Sheet / Income Statement, Statement of Cash Flow and Projections).

Analyzed financial records of established and prospective commercial borrowers in order to identify risk and exposure, determined pledged collateral adequacy and overall company financial performance position.Performed quantitative and qualitative analysis on accounts receivable, inventory, accounts payable, bank statements and financial statements (Balance Sheet / Income Statement, Statement of Cash Flow and Projections).Analyzed security documents such as; Loan and Security Agreements and UCC lien filings.Assisted the relationship managers during the credit facilities underwriting process by emphasizing the due diligence collateral examinations’ findings and recommendations and thus enabling them to appropriately structure the loan. Participated in pre-funding credit committee meetings in order to discuss the due diligence findings and recommendations, collateral exposure and adequacy, excess availability or shortfall prior to final credit approval.Managed and mentored seven collateral field examiners.Scheduled monthly collateral examinations on a timely manner in accordance with bank requirements.Reviewed and approved collateral examiners’ travel expenses and vacation time.Acted as a liaison between the collateral examiners, relationship managers and senior management.Conducted collateral examiners’ annual performance reviews.Participated in national collateral examiner managers annual conferences to discuss group’s objectives and goals.Participated in national relationship managers annual conferences to discuss industry outlook and address concerns.

Managed an assigned client portfolio of ABL commercial loans, focusing on credit risk, loan quality, client retention and cross selling bank products and services. Monitored and analyzed the clients’ collateral, borrowing base, financial performance and overall condition.Assisted in the training of new and junior collateral analysts.

Provided detailed and personalized operational client service to the ABL Commercial Loans Portfolio Management team. Processed loan advances, pay-downs, updated customers’ accounts by posting transactions such as sales, wires, ACH’s, credit, debit memos and other adjustments impacting the collateral figures. Updated monthly inventory figures, and provided loan balances, interest figures and excess and/or short-fall of borrowing availability to clients on a daily basis. Additional duties included Acting Supervisor and Liaison between loan officers and other analysts.