Gregory Francisco Email & Phone Number

New York, Ny, Us

Paris, Fr

Review loans across portfolios for Financial Institutions, Aviation, Commodities, Energy, Leveraged Finance, Project Finance, Real Estate and Securitization. Responsible for assessing loan quality, adherence to policies & procedures.Analyze the quality of credit risk analysis performed by participants to the credit approval process (Front Office, Credit Risk)

New York, New York, Us

Supported ICM COO in assessing and transforming credit processes and staffing for Wholesale Banking products.

New York, Us

Directing of loan review program of commercial lending portfolio covering C&I, Leasing, ABL, Healthcare Banking & Finance and Commercial Mortgage Warehousing commercial lending portfolios.Responsible for Enterprise Risk activities related to Credit Risk (KRI monitoring, Limit setting and Challenge) in addition to coordination of RCSA exercises related to Credit Risk for commercial lending units.

New York, Us

Responsible for the bank’s ongoing independent credit risk reviews to assess quality of loan portfolio, credit administration, and the accuracy/integrity of the credit risk ratings by reviewing loan samples, independently testing and challenging risk rating results. Based on results, thematic/systemic findings may be issued and require action plan(s) to improve risk mitigation.Reviews cover commercial lending portfolios of CRE, C&I/ABL, Specialty Finance, Fund Bankingand Venture Capital-backed lending businesses.

Frankfurt Am Main, Hessen, De

Asset Quality Review of Credit Risk ManagementAssess credit ratings and application of ratings model, portfolio quality, credit standards and quality of risk management.Focus on US operations, specifically responsible for monitoring of CRE portfolio.Worked as review team leader to coordinate, manage and deliver review reports to Senior Management.

Credit Risk Subject Matter Expert with focus on Structured Finanace portfolio. Risk assessment of businesses, processes & support functions for the branch, securities and asset management US entities & affiliates.

Credit Risk Subject Matter Expert. Risk assessment of businesses, processes & support functions for the branch, securities and asset management US entities & affiliates.

New York, Ny, Us

Credit Risk - Credit File Review• Assisted audit teams as credit specialist by reviewing loan samples of commercial credit portfolios to confirm the bank's risk rating assessment. • Reviewed bank’s credit policies and loan sample files and recommended changes to risk rating grades, if necessary, based on review of credit files & discussion with bank management. Treasury Risk - Model Review & Validation• Reviewed, documented & validated models used within banks' Asset-Liability Management (ALM) processes.• Ensured compliance with FDIC requirements relating to ECap & Capital Stress Testing processes, models & methodologies by documenting the current state of process flows (including flowcharts), identifying process weaknesses, suggesting future process enhancements & ensuring that the FDIC commentary was directly addressed.

Buffalo, Ny, Us

Perform independent financial reviews of credits in Commercial Lending Portfolio, assessing overall & loan-by-loan credit quality. Recommend changes to Risk Ratings based on analysis if necessaryUnderstand & familiar with Loan Policies, Risk Ratings, loan underwriting, financial analysis & collateral evaluationWork with a team to complete reviews by deadline to adhere to the annual review schedule

Responsible for underwriting commercial loans in both the commercial & industrial and commercial real estate sectors.Expert in cash flow, income statement & balance sheet analyses. Also expert in underwriting personal credits, such as credit report, tax return and personal financial statement analyses. Created pro forma models and other financial projections to assess credits.Worked closely with relationship managers and potential borrowers to approve credit.

Mba, Finance

B.B.A., Finance

High School