Melissa Eng-Pascual Email & Phone Number

Boston, Massachusetts, United States

Worcester, Ma

•Call on prospective and existing clients to generate new lending and deposit opportunities. •Manage large portfolio of Client Relationships.•Attend events on behalf of the bank in support of new business generation and marketing activities. •Approve credit requests and overdrafts within authority limits. •Monitor delinquencies, maturities, financial reporting and other tracking reports to minimize issues within assigned portfolios ensuring compliance with credit policy and… Show more •Call on prospective and existing clients to generate new lending and deposit opportunities. •Manage large portfolio of Client Relationships.•Attend events on behalf of the bank in support of new business generation and marketing activities. •Approve credit requests and overdrafts within authority limits. •Monitor delinquencies, maturities, financial reporting and other tracking reports to minimize issues within assigned portfolios ensuring compliance with credit policy and government regulations. Show less

Worcester, Ma

•Primary account officer for assigned portfolio of commercial relationships. •Secondary account officer for all other relationships in the regional portfolio.•Call on prospective and existing clients to generate new loan volume and cross sell opportunities. •Approve credit requests and overdrafts within authority limits. •Function as the primary underwriter for modifications, renewals and reviews.•Monitor delinquencies, maturities, financial reporting and other tracking… Show more •Primary account officer for assigned portfolio of commercial relationships. •Secondary account officer for all other relationships in the regional portfolio.•Call on prospective and existing clients to generate new loan volume and cross sell opportunities. •Approve credit requests and overdrafts within authority limits. •Function as the primary underwriter for modifications, renewals and reviews.•Monitor delinquencies, maturities, financial reporting and other tracking reports to minimize issues within assigned portfolios ensuring compliance with credit policy and government regulations. •Train, coach and mentor Credit Analysts.•Prepare and present financial and sales reporting for management. •All duties listed under Senior Commercial Credit Analyst role. Show less

Worcester, Ma

•Provide analytical support to Commercial Lending and Business Banking groups by preparing requests for new loans, renewals of existing facilities or periodic financial reviews.•Analyze financial statements, collateral, debt service, personal financial statements, cash flow, and industry considerations that affect specific borrower types to document risks and identify mitigants.•Review and test financial covenants to confirm compliance or recommend other action. •Assess the… Show more •Provide analytical support to Commercial Lending and Business Banking groups by preparing requests for new loans, renewals of existing facilities or periodic financial reviews.•Analyze financial statements, collateral, debt service, personal financial statements, cash flow, and industry considerations that affect specific borrower types to document risks and identify mitigants.•Review and test financial covenants to confirm compliance or recommend other action. •Assess the strengths and weaknesses of the credit relationship to determine risk rating.•Project Management•Financial reporting and analysis Show less

Boston, Ma

•Perform in-depth analysis of financial statements, prospectuses, and other documentation.•Review regulatory filings, public records, and other sources to develop borrower, industry and principal profiles.•Evaluate asset quality and credit agreement structure.•Identify and assess risk factors making recommendations for approval or modifications.•Prepare credit approval requests for bilateral and syndicated liquidity financing of regulated funds. •Determine risk ratings based… Show more •Perform in-depth analysis of financial statements, prospectuses, and other documentation.•Review regulatory filings, public records, and other sources to develop borrower, industry and principal profiles.•Evaluate asset quality and credit agreement structure.•Identify and assess risk factors making recommendations for approval or modifications.•Prepare credit approval requests for bilateral and syndicated liquidity financing of regulated funds. •Determine risk ratings based on asset valuation and quality, investment strategies, and other factors. Show less

Boston, Ma

•Provide administrative support for Global Head of Total Rewards, Analytics and Project Management, direct reports, and teams.•Coordinate meetings with all areas of the company including senior management, located both domestically and internationally. •Assist with preparations for pending relocation of department.

Boston, Ma

•Acted as primary point of contact for all non-borrowing Business Banking clients. (Spring/Summer 2013)•Serviced clients in partnership with Business Development Officers and Relationship Managers.•Became subject matter expert in various bank systems, and software programs; trained less experienced users.•Assisted Relationship Managers with prospecting efforts, including calls, mailings, sales blitzes, client events and meetings.•Gathered data from various systems and business… Show more •Acted as primary point of contact for all non-borrowing Business Banking clients. (Spring/Summer 2013)•Serviced clients in partnership with Business Development Officers and Relationship Managers.•Became subject matter expert in various bank systems, and software programs; trained less experienced users.•Assisted Relationship Managers with prospecting efforts, including calls, mailings, sales blitzes, client events and meetings.•Gathered data from various systems and business lines and prepared detailed sales and financial reporting for management.•Project Management, including marketing campaigns and various area, divisional and regional programs and initiatives •Coordinated strategic plan implementation, on-boarding/off-boarding, employee relations issues, interviewing, crisis management, and continuity of business planning activities.•Provided administrative support for Marketplace Director and two teams of Senior Vice Presidents, as well as credit officers and business partners. •Supervised summer intern and junior staff members for special projects and initiatives. • Manage day to day office operations Show less

Framingham, Ma

•Serviced client accounts in partnership with Relationship Managers, and business partners•Reviewed/processed loan documentation prepared by outside counsel/doc prep for new & modified loans.•Documented collateral releases, credit policy waivers, short term extensions, discharges, UCC continuations and terminations; partial releases and obtained approvals from business line and credit officers.•Prepared notes and collateral documentation for draws on equipment lines of… Show more •Serviced client accounts in partnership with Relationship Managers, and business partners•Reviewed/processed loan documentation prepared by outside counsel/doc prep for new & modified loans.•Documented collateral releases, credit policy waivers, short term extensions, discharges, UCC continuations and terminations; partial releases and obtained approvals from business line and credit officers.•Prepared notes and collateral documentation for draws on equipment lines of credit.•Maintained financial reporting database, involving regular contact with clients and CPA firms to request financial reporting, reviewing borrowing base certificates, and performing covenant testing.•Completed internal and external compliance and due diligence reporting for relationships.•Compose, and maintain client credit files, including research and correction of documentation discrepancies.•Assisted in the preparation of sales presentations. Show less

Burlington, Ma

•Responsible for CT, MA-Central/Metro, & MA-West Portfolios (approx. 5,500 loans plus deposit accounts).•Coordinated renewal and extensions of accounts with Borrowers, Branch Personnel and Lenders.•Gathered supporting information and drafted approvals to modify existing loans, including collateral, payment and rate changes, subordinations, term extensions and pre-workout situations.•Ensured required conditions were in accordance with State and Federal guarantee… Show more •Responsible for CT, MA-Central/Metro, & MA-West Portfolios (approx. 5,500 loans plus deposit accounts).•Coordinated renewal and extensions of accounts with Borrowers, Branch Personnel and Lenders.•Gathered supporting information and drafted approvals to modify existing loans, including collateral, payment and rate changes, subordinations, term extensions and pre-workout situations.•Ensured required conditions were in accordance with State and Federal guarantee programs.•Determined Risk Ratings based on collateral, delinquency, financial condition, and credit score of borrowers and guarantors.•Prepared Non Performing Asset memos for delinquent accounts and recommended remedy, including transfer to Workout Group and liquidation of assets.•Researched and resolved documentation, collateral and service issues that arose in loan portfolios.•Mentored/trained less experienced specialists, administrators, and branch personnel in daily operations. Show less

Worcester, Ma

•Processed new loans, renewals, extensions and modifications for portfolios.•Documented and recorded collateral liens, including taxi medallions, vessels and other pledged collateral.•Reviewed and summarized attorney and internally prepared loan documentation for submission to loan operations. •Became subject matter expert on servicing of specialty products introduced by supported lenders, working with internal and external contributors to formulate and document… Show more •Processed new loans, renewals, extensions and modifications for portfolios.•Documented and recorded collateral liens, including taxi medallions, vessels and other pledged collateral.•Reviewed and summarized attorney and internally prepared loan documentation for submission to loan operations. •Became subject matter expert on servicing of specialty products introduced by supported lenders, working with internal and external contributors to formulate and document procedures.•Assisted clients with banking needs, including servicing accounts and coordinating/facilitating loan closings. Show less

Framingham,Ma

•Maintained CRA database.•Process and reconcile secondary market portfolio, including FNMA, FHMA, and MBS pools.•Daily general ledger research.•Managed group of 10 employees, with additional temporary staff for various projects.•Lead group through manual system conversion and Merger with First Mass, a division of TD Banknorth.

Framingham, Ma

•Supervised group of 8 employees.•Ensured all members completed assignments in a timely manner.•Approved, processed, & calculated remaortizations, modifications, subordinations, and collateral changes.•Participated in various system conversions.

Framingham, Ma

•Assist department managers in daily operations of the department, including all reporting requirements.•Learn all loan servicing functions and serve as backup.•Input all new loans originated by the bank.•Cross check work of all other department functions.

Framingham, Ma

•Input all new consumer and commercial loans originated by the bank.•Cross check data entry of other members of the department.•Serve as backup loan servicing teller.

Framingham, Ma

•Managed teller line of Main Office.•Supervised teller staff.•Prepared branch reporting.•Responsible for cash control.•Opened customer accounts.

Metrowest, Ma

•Provide client service for banking transactions.•Assist teller supervisor with daily branch operations.

Master Of Business Administration - Finance

Bachelor Of Science (Bs), Business Administration, Concentration In Banking And Finance

Certificate, The Lending Decision Process

Certificate, The Commercial Real Estate Decision Process

Education record

Associate Of Science (A.S.), Business Administration, Concentration In Accounting And Finance

Education record

Activities and Societies: Delta Phi Epsilon Sorority - Delta Chapter

Education record

Activities and Societies: Jazz Band, All City High School Marching Band