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 -literal- ground. (February 15/2021).In its most recent year, the company is showing ample capacities to build back from zero, as it currently is reaching its phase II and III of the project of rebuilding past the 2/15/21. In the middle of a pandemic, financial stress, and chances in public offices, the company is still standing and with strong objectives and views to nurture growth.

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 verify required documentation for SBA small business loansVerify accuracy and consistency of specifications on documentation and underwriting guidelines required by our lendersIn-depth training of new RMs and ongoing training of the existing Lending Operations teamEnsure compliance with bank partners under the SBA underwriting guidelinesCommunicating with our bank partners’ credit teams to ensure alignment on credit policyReviewing credit memosActing as a general resource of knowledge for all outbound deals to the bank

• 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• Financial Assistance Task Force• $200 Million YTD in total loans (year 2019) 0% default rate• Reduced financial review time from 2+ months to a conplete review within a week of application

• 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 hours.• 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.

• 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.

• 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 lieu.• 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 after 3&6-month test led to an overall department reduction of 30% of liquidation time.

- 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 donations from The 911 Fund, with an emphasis in the city’s fire and public safety departments through the acquisition of fire trucks and an emphasis on responsiveness to catastrophic events. The total approximate value reported by the aforementioned fund rises to $1.7 Million dollars in assets. - Developed and deployed strategies to improve commuting times in international bridges for freight liners delivering manufactured finished products for retail purposes within the US.