Orlando Castaneda Email and Phone Number

• Underwrite syndicated upstream and midstream debt transactions (new/renewal/modification) and financial programs with potential exposure of up to $600+ million for the Energy Loan Portfolio.• Prepare and present risk rating assessments and credit approval packages to Senior Risk Officers and in Loan Committees.• Review complex financial statements to perform historical and pro-forma analysis with a focus on cash flow, liquidity, payback, and leverage.• Identify policy exceptions and make recommendations to mitigate credit risks.• Coordinate with Relationship Managers and Product Specialists to ensure proposed transaction terms are acceptable to the Bank and to set appropriate global credit limits for both new and existing clients.• Monitor and evaluate clients’ financial condition, covenant compliance, and borrowing base.• Complete periodic reviews of existing $7.4 billion portfolio to confirm the accuracy of risk ratings and recommend changes as warranted.

• Provided sales and operational support for 7 Relationship Managers in the Commercial and Industrial group whose clients’ annual revenues were between $5 - $35 million.• Participated in sales calls and proposal presentations with the Relationship Manager to grow the existing loan and product portfolio.• Performed evaluations of credit requests and prepared credit screens for presentation to Loan Administration.• Assisted in the preparation of credit structure, transmittals, credit term sheets, and commitment letters.• Completed the sales portion of Underwriting, including relationship development plan and profitability.• Evaluated/developed prospect lists for the market, targeting prospects consistent with the bank’s goals.*Promoted from Comm. Relationship Associate I on 9/2012

• Formalized credit training program that involved job rotations, presentations, coursework, and experiential learning of the three major lines of business: Retail, Wealth Management, and Commercial banking.• Participated in a Service Management Simulation (LINKS) and the Stanford Bank Simulation as the CFO and CEO, respectively and won each competition.• Completed Omega Credit Training – Financial Accounting for Lenders and Commercial Loans to Business, which is a blended credit training program aimed at improving risk management skills through online courses and instructor-led workshops. Coursework included: Opportunity Assessment, Industry and Business Risk Analysis, Cash Flow and Financial Statement Analysis, Projections, and Loan Structuring.