Hernan P. Email & Phone Number

Miami, Florida, United States

• Perform examinations and inspections of financial institutions (Foreign Banking Organizations and Community Banks),
• Oversee the business activities and assess the risks associated with foreign banking organizations (FBOs) U.S. offices (branches, agencies, representative offices, and Edge Act corporations, foreign-owned bank holding.
• Perform examinations and ongoing monitoring of state member banks and bank holding companies located throughout the Southeast of the United States.
• Verify compliance with a variety of laws and regulations including Bank Secrecy Act/Anti-Money Laundering compliance programs.
• Review risk management processes while evaluating asset quality, earnings, capital adequacy, funding, interest rate risk, and bank management.
• Write examination reports, risk assessments, and other correspondence, and discuss supervision matters with Boards of Directors and all levels of bank management.

Miami/Fort Lauderdale Area

• Manage a commercial portfolio of about $120 million in loans and about $30 million deposits comprised of about 80 commercial relationships, mainly medium sized companies in the South Florida area, with an emphasis in C.
• Develop new relationships and expanded existing ones with emphasis in cross selling the bank’s products and service (i.e. cash management services, merchant services, wealth management services)
• Expert in commercial and industrial lending with working capital facilities ranging from $2 to $4 million to financing accounts receivable and inventory with borrowing base monitoring.
• Perform ample networking in the community, attending net working associations, industry events and belonging to several chamber of commerce and organizations.
• Solid experience in all types of SBA lending from origination to closing, including SBA 7a and SBA 504
• Solid credit structure and negotiating skills through extensive knowledge of credit and financial analysis.Managed several construction facilities.

• Built up in four years, and manage a $135 million Loan Commercial Portfolio, primarily comprised of loans to small to medium sized companies in South Florida
• Obtained solid experience of working capital / asset based financing from origination to closing to management of relationship, including warehouse lines of credit.
• Attended industry events and belonging to several organizations. Involved in the overall development of the commercial lending division of the company, which included the creation of policies, procedures, products.
• Expert in all commercial real estate loans including (multi-family, retail, office, industrial, owner occupied financing)

• Managed a $25 million Loan Commercial Portfolio and a $15 million deposits portfolio, primarily comprised of small to medium sized companies in South Florida, and commercial real estate financing.
• Experienced with all commercial loans including working capital financing, asset base lending, mortgage warehousing loans, equipment loans, SBA loans (7a Working Capital & 504 Real Estate Loans), trade credit, letters.
• Experienced with all commercial real estate products (multi-family, retail, office, industrial, residential), including both investor and owner occupied products and transactions.
• Developed new relationships and expanded existing ones through net working in the business community.Solid credit and lending decision making through extensive knowledge of credit and financial analysis.
• Extensive experience in loan documentation (preparation, and auditing) for corporate banking and real estate financing.

• Analyzed the financial statements and business plans of companies and banks in the U.S., Latin America, and the Caribbean.
• Prepared projections, and financial ratios testing reports to assess the companies /bank’s credit worthiness.
• Drafted analytical reports and provided recommendations based on the findings.
• Examined real estate and construction financing deals in the U.S. Scrutinized appraisals to ensure that valid valuation methods were used, prepared detailed cash budgets and projections for projects, and provided.
• Reviewed the institution’s exposure to sovereign risk by evaluating and preparing country analyses based on the macro-economic reports, political environment information, and banking system data of the countries in.
• Met on a regular basis with management of banks and companies to discuss their financial condition and negotiate new deals. Attended special conventions and events as a representative of the bank.

• Analyzed corporate loans and provided recommendations based on findings.
• Evaluated the financial conditions of banks and companies in Latin America and the Caribbean, prepared detailed analytical reports, and issued financial recommendations based on findings.
• Assessed the bank’s exposure to sovereign risk by analyzing and preparing country studies based on the macro-economic data and the political environment information of the countries in which bank deals.
• Monitored the bank’s portfolio of margin loans on a daily basis, by preparing reports on the data obtained in the Bloomberg Financial News Network.
• Attended meetings with management of banks and companies to discuss their financial condition and negotiate new deals. Represented the bank in several industry conventions and events.
• Assisted management in the day to day coaching and training of junior analysts.

Master Of Science (M.S.), Finance, General

Master’s in Science of Finance (MSF). Preparation for CFA Program

Commercial Real Estate Appraisal Basics

Credit Analysis And Banking, Banking And Financial Support Services

Bachelor, Business Administration; Finance