Michael Cacho Email & Phone Number

My primary function is to help clients with lending products such as Residential Mortgage, Home Equity and Refinance Loans. In addition, I am now able to assist with foundational banking products such as checking, savings, credit card and auto loans creating a more all encompassing impact for the clients in the banking centers.

Orchard Park, New York

Residential Mortgage, Home Equity and Refinance Loans

Currently in charge of the Senior Credit Portfolio Officer file in Practice Solutions. I monitor and assure dentists, doctors and veterinarians maintain their loan covenants and complete annual reviews per their loan agreements. This complex portfolio covers all clients that have 3 million dollars or higher in relationship exposure. o Subject Matter Expert for the Pre-Fulfilled Line of Credit process, UAT Tester, monthly associate for SAG Return to Line and weekly Material Credit… Show more Currently in charge of the Senior Credit Portfolio Officer file in Practice Solutions. I monitor and assure dentists, doctors and veterinarians maintain their loan covenants and complete annual reviews per their loan agreements. This complex portfolio covers all clients that have 3 million dollars or higher in relationship exposure. o Subject Matter Expert for the Pre-Fulfilled Line of Credit process, UAT Tester, monthly associate for SAG Return to Line and weekly Material Credit and Document exceptions to ensure all ticklers, real estate valuations and outstanding loan documents are updated and compliant in all platforms. o Process Improvement Council to help create a seamless work processes and initiatives for department including several procedures and policies to determine root causes of issues and bring them to forefront for change and implementation.o Quality Assurance for Practice loans. Ad-Hoc role to proactively analyze ensure all covenants and loan agreements are setup to correct monitoring, risk and OCC guidelines. This has been an ongoing role for the past 2 years. Monitored end to end process of a multi-million dollar portfolio with the CDG CORE West team. I am in charge of collecting financial documents prior to maturity dates from clients and ensuring they are received by the underwriting team and processed for booking.Assisted 6 client managers in California to retain current clients as well as grow the business portfolio by inputting new money deals and fixing any issues the client may have with current business within the bank. Keep a clean portfolio including: completing CT Setup and CT Verifies. Renewals on lines of credit, term loans and OOCRE loans. Reviews, on Credit Card Exposures and Letters of Credit. Show less

Manage multi-million dollar credit card portfolios in a team atmosphere on a monthly basis in the pending charge-off unit. Mitigate losses in a call center environment for the Bank by helping customers that have secured multiple lines of credit and are in danger of having their business written off.

Worked hand in hand with the Pending Unit Leader on implementing new strategies and reporting documents to help the department reach and surpass their monthly goals.Completed NSF report analysis and clean up on daily basis.Side by side coaching/training with new associates in the department to teach new skills and observe opportunities to better their overall role in the unit.

Selected by a group of upper management for a six-month role as a team leader. Worked side by side with tenured managers in different stages of delinquency learning daily functions and coaching styles/techniques. Functioned as a manager for an entire month in the Pre-Charge-off unit (150 day). Given the responsibility of managing a team of 12 employees to reach a department goal.

Collected on several stages of delinquency on multiple bank products including Home Equity Lines of Credit, Installment Loans and Cash Reserves.Promoted after one year to an Inbound Associate. Serviced incoming calls regarding multiple lines of business and kept abandonment rate to a minimum.

Bachelor Of Arts; A Bachelors Degree, Digital Media Arts

Education record