Jose Ruvalcaba Email & Phone Number

Kennewick, Wa, Us

Kennewick, Washington, United States

Agribusiness, Commercial & Industrial

Kennewick, Washington, United States

Senior Credit Associate: August 2022-December 2022Credit Associate: August 2018-August 2022• Review financial statements and all other relevant financial analysis, as well as non-financial data, to develop a concise and focused analytical foundation for a credit decision. • Collaborate with bankers and credit partners to drive the efficiency and effectiveness of the credit process to meet client expectations.• Develop quality credit memos while adhering to Key Bank’s credit policy.• Decision loans within delegated authority or recommend decision to appropriate credit partner. • Monitor and identify risks within the existing portfolio.• Identify and escalate material issues or trends in a timely manner.• Serves as mentor, coach and trainer for the analyst and underwriting staff. • Periodic projects related to the constantly changing risk management environments. Credit Analyst: August 2016-August 2018• Spread and analyze financial data • Track compliance with various loan covenants as outlined in the loan agreement • Conduct period reviews of client credit relationships by utilizing various systems & models and testing data integrity • Protect the banks’ capital by determining the risk of credit transactions through analysis and underwriting• Present analytical findings in a complete and concise underwriting document to credit officers • Understand bank credit policies to ensure compliance with internal and external audits

Seattle

• Maintain a safe environment for hospital patients and staff • Provide quality, comprehensive patient watch and staff support

Yakima, Wa

• Recover, repair, and maintain M1A1 combat tanks for deployment readiness• Supervise, counsel, and mentor junior Marines to perform in an effective and cohesive manner• Communicate responsively with chain of command to ensure platoon accountability

Bellevue, Wa

• Develop cash postings, accounts payable vouchering, and expense reports• Create purchase orders, reconciliations, and other Ad Hoc duties

University Of Washington

• Credit card reconciliation and data entry for large board non-profit organization• Handle confidential information and provide efficient work ethic to support advance departments• Administer reception desk and direct callers to proper units• Distribute office supplies and mail to designated departments and establish electronic archive of administrative and financial documentation for efficient communication and access

University Of Washington Medical Center, Anesthesiology & Pain Medicine

• Maintain electronic archive of employee documentation and departmental financial reports • Finance/procurement online purchases and training. Submit inventory surplus reports

Pasco, Wa

• Create sales displays, stock and rotate product, ship and receive grocery to maintain all departments• Communicate with departments, warehouse, and customers to provide excellent customer service• Facilitate managerial duties by operating cash register and supplying all departments to ensure sales

Tri Cities, Wa

• Communicate responsively by translating and negotiating for prices and jobs• Order and arrange material to maintain and prep work sites• Adapt to all requests and scenarios when hanging sheets to specifications while meeting deadlines

Richland/Kennewick/Pasco, Washington Area

• Collaborate with workers to operate machinery for movement and packaging of various products • Maintain workstations for safety and sanitization

Bachelor Of Business Administration (B.B.A.), Business Administration (Finance)

Activities and Societies: Association of Latino Professionals in Finance and Accounting

Associate Of Arts And Sciences (A.A.S.), Business Administration