Luis P. Email & Phone Number

United States

United States

Baltimore, Maryland, Us

As a credit risk specialist, I evaluate and approve credit limits for existing and prospective policyholders using a comprehensive framework that incorporates public and proprietary data, industry analysis, and customized risk assessments. I conduct thorough financial analysis, calculating key financial ratios and performing profitability analysis to gauge clients' financial health and creditworthiness. Additionally, I constantly monitor and analyze industry trends, market conditions, and macroeconomic factors that may impact our customers and their business partners, adjusting our risk assessments and credit decisions accordingly. Currently, I oversee a dedicated portfolio of agrifood industry clients, fostering strong relationships through regular engagement and proactive service, while continuously monitoring and optimizing credit exposure to ensure informed risk management and bolster client confidence in their trading activities.

New York, New York, Us

As a seasoned credit risk expert, I spearheaded a team of 5 senior analysts for the Transportation and Industrials Leveraged Lending Group portfolio, ensuring the delivery of high-quality and timely annual and quarterly reviews. My leadership encompassed mentoring and guiding team members, fostering a collaborative environment, and setting standards for excellence in credit analysis. Through fundamental credit analysis, I assessed the credit and financial strength of Citi's most complex and large corporate clients, leveraging both quantitative and qualitative factors to evaluate their financial stability, business prospects, and risk resilience. Thorough analysis was crucial for these intricate companies, as it enabled informed credit decisions, optimal risk management, and strong relationships with key clients. By driving rigorous analysis and team excellence, I contributed to the portfolio's robust performance and reinforced Citi's commitment to prudent risk management.

Relocated from Leon, Mexico to the Dallas-Fort Worth Metroplex.

New York, New York, Us

Lead remedial officer for over 20 restructure agreements on which I evaluated and assessed customer’s present and expected future financial condition and repayment capacity through evaluation of environment, country and industry risks, financial statement analysis, financial projections and also collection and liquidation probabilities. Managed a portfolio of 15 large companies for which I did monthly follow-up and approval to their respective Classified Credit Reports. Designed remediation, restructuring, recovery and collection strategies. Decision making on regulatory classification, risk ratings, accrual status, calculated potential write-offs for non-performing customers, oversight of policy guidelines and calculation of loan loss reserves. Led and attented roundtables and negotiations with customers to ensure proper communication of the remediation strategy. Oversight of the execution of documentation related to the restructure.Appointed as Remedial Risk Credit Officer Level 4 with covering limit up to USD $1M.

New York, New York, Us

Lead underwriter for a Middle-Corporate portfolio of 22 companies with revenues above USD $250M with approved facilities over US$100M. Approved new and existing credit facilities according to Grid within my covering limit. Drafted complete and thorough credit assessment templates, which included: Grading according to risk methodology, financial templates, way-out analysis, financial projections, full credit analysis, industry reviews, peer-to-peer analysis, amongst others.Actively participated in credit roundtables with Business and Independent Risk Seniors. Quarterly Post-loan reviews satisfactory outcome.

New York, New York, Us

Collaborated with the Independent Risk team analyzing and approving credit proposals and CCRs (Compliance with GCCP and Risk Policies, ways-out, collateral, triggers, early warnings)Discussed most cases with the Senior Credit Officer and CO-I, drafting final credit recommendation.Participated in quarterly Post-loan reviewsAppointed as Business Credit Officer with US$500k covering limit.

Toronto, Ontario, Ca

As a senior underwriter and Deputy Director, I was responsible for the strategic oversight and management of a sizeable portfolio of large corporations in the Bajío region of Central Mexico, with aggregate facilities exceeding USD 100M and representing a diverse array of industries, including retail, agribusiness, leather goods, sports shoes, and oil-industry related services. The collective annual sales of these companies approached USD 150M, underscoring the significance of my role in assessing and mitigating credit risk. My key responsibilities included conducting in-depth analysis and drafting comprehensive credit assessment documents, financial spreads, and forecasts, as well as actively engaging in deal forums and conference calls with cross-functional teams comprising commercial credit risk stakeholders to ensure informed decision-making and optimal risk mitigation strategies, thereby safeguarding the financial integrity of the organization.

New York, New York, Us

Credit and financial analysis for the Credit Analysis Division, mostly dedicated to creating summarized, yet accurate credit applications for facilities under the MX$20M mark (~US$1M)Main activities included analyzing financial statements, drafting credit analysis documents, conferences with clients and roundtables with risk management officers for feedback and approval.