Ray Masterson Email & Phone Number

Tucson, Az, Us

Tucson, Arizona, United States

Tucson, Arizona, United States

Tucson, Arizona Area

Work closely with the relationship managers to analyze the operational cash and personal cash flow of individuals and companies that demonstrate a debt service coverage ratio of greater than 1.25x.Determine additional sources of liquidity and ways to mitigate risk if cash flow is not a significant factor. Monitor and manage the loan portfolio by performing quarterly and annual reviews and modifications for companies that meet the bank’s credit risk policy guidelines.

Phoenix, Arizona

Fully underwrite commercial and private banking credit facilities ranging between 100 thousand and 5 million to companies with sales up to $50MM.Develop an understanding of client’s core business drivers and opportunities.Manages the reporting and financial covenants for both the private banking and commercial banking groups.

Tempe Arizona

Analyzed risk for secured and unsecured credit lines with credit exposures ranging from $1M to $100M. Determined sources of repayment and credit risk quality by examining from Dun & Bradstreet’s credit risk bureau and NACM. Made credit risk recommendations based on credit risk exposure, CRM sales allocation reports, Credit Bureau information, and customer relationship. Worked closely with Credit Risk Manager to update SAP database appropriately.

Chandler, Arizona

Performed risk management analysis and underwriting, assured regulatory adherence, assisted with merchant monitoring and enforcement operation, and balanced the overall business impact of seller risk operations. Established articulate and close relations with the customers and Relationship Managers, and worked with both parties to negotiate terms of PayPal contracts.

San Franciso, Ca

Comerica Middle Market Group - San Francisco, CAJuly 2010 - February 2011 Comerica Venture Capital Group - Palo Alto, CA February 2007 - July 2010