Hector Estrada Email & Phone Number

Ciudad Juárez, Chihuahua, Mexico

El Canano Group was born at the passing of the previous owner, Mr. Hector R Estrada mostly known by some of his alias El Canano, El Enano.The company focuses mainly in the restaurant business. followed by Real Estate, and Catering.While the aims to grow kept aligning, a big setback and catastrophe occurred, the entire restaurant burned down to the.

New York, United States

Austin, Texas

Analyze financial statements and other cash flow documents to determine credit worthiness of small businessesBuild a deep understanding of Smartbiz and our partner bank's credit policies and credit cultureAnalyze financial requirements for each product offering to determine which product will be the best fit for a small business applicantIdentify and.

Austin, TX

• Evaluate, approve, and underwrite complex municipal bond loans while adhering to agency and industry guidelines.
• Analyze risks and offsets by developing solutions for risks and complex problems; ensure loan quality through data integrity and risk management.
• Perform second level review for loans recommended from other regions; assist with peer technical review to ensure appropriate execution of lending guidelines.
• Responsible for preparing reports and responding to board inquiries; interacting and guiding government officers and their attorneys/financial advisors during the funding process.
• Set interest rates based on MMD and market rates conbined with adoption date and SRF progran subsidies.KEY ACCOMPLISHMENTS
• Credit committee member

San Antonio, Texas

• Reviewed, analyzed and decision, complex requests and products in a fast-paced and high volume environment by evaluating the layering of risk within company and investor guidelines (SBA, MMS, LFund)
• Analyzed and signed off on all required documentation including all credit, income, asset and collateral documentation to ensure the documents are satisfactory and meet application guidelines.
• Responsible for third party loan reviews for the MMS Portfolio. Performed separate credit analysis abiding lenders regulations, credit and risk assessments accordingly. Helped reduce turnover ratio from 2 days to 12.
• Established interest, loan terms, and incentives based on program guidelines to include any applicable special programs.
• Second level review for automated loans, focused on system deficiencies and overturned loans eligible for streamlined process.

San Antonio, Texas Area

• Responsible of auditing loans with scheduled foreclosure sale dates to ensure compliance of procedure.
• Audit system errors, and researched database of issued foreclosure dates without sufficient information to proceed. Investigate reason of trigger and submit findings to upper level management.
• Identified risks and problem areas across all mortgage portfolios and recommended standards and procedures focused on compliance.
• Provided guidance to portfolio lenders, and staff regarding documentation and underwriting procedures and requirements for full package reviews.

San Antonio, Texas

• Responsible for performing credit analysis on defaulted mortgage loans. Submitted loan packages to direct endorsement underwriting, negotiated new mortgage terms and interest rates as well as short sales and deeds in.
• Analyzed borrower's income based on cash assets, and financial documentations to determine borrower's eligibility to modify mortgage loans.
• Maintained productivity and quality of service standards, with respect to service level agreements for credit decisions and closing of credit transactions.
• Spearheaded liquidation project: Improved Liquidations & Mortgage interactions, assist completion of negotiations, document requirements and realtor interactions. Results demonstrated a 57% (own) reduction in time.

Juarez, Mexico

- In charge of the analysis of unemployment rates, strategic tax breaks proposals for investing companies like LG, Apple, and Samsung and sought after federal funding grants for city projects.- Spearhead strategic expansion projects for existing companies with manufacturing operations already established in the area. - Lead the acquisition of large-scale.

Bachelor Of Business Administration (Bba), Economics & Finance

Activities and Societies: HBSABA Economics & Finance

Financial Engineering & Risk Management (Online), Finance, General, 3.7

Financial Engineering is a multidisciplinary field drawing from finance and economics, mathematics, statistics, engineering and.

Master Of Business Administration (Mba), Innovation & Development

Masters in Business Innovation

Management Development Program, Political Science And Government

The Management Development Program is designed for managers at all organizational levels who want to develop and/or enhance their.

Certification, Business/Corporate Communications

Activities and Societies: Effective business writing, dealing with difficult people, technical writing, dynamic communication, mastering.

Bachelor'S Degree, Economics And Finance

Activities and Societies: HBSA

Certification, Business/Corporate Communications

Certification, Financial Engineering

Education record