Ricardo Leon Email & Phone Number

Los Angeles, California, United States

Manage a portfolio of non-profit, healthcare, and higher education entities in California.

Newport Beach, California, United States

Manage existing and new client relationships by providing financial solutions to privately held businesses such as professional firms (CPA's, Doctors, Attorneys) non-profit organizations and Commercial Real Estate investors. Spread, analyze and fully underwrite financials provided by borrowers to customize credit facilities such as Term Loans, Lines of Credit, Stand-By Letters of Credit, Tax-Exempt loans and Commercial Real Estate/Multi-Family mortgages.Provide written credit memos to Senior Credit Committee on loan structures along with term sheets for clients. Negotiate loan documents with internal and outside counsel and work closely with third party vendors such as appraisers, escrow title and environmental firms.Manage existing portfolio of credit facilities through loan reviews, renewals and monitoring reporting and financial covenants.Business development through onboarding new prospective clients and cross-selling existing book of business.

Newport Beach, California

Newport Beach, Ca

Underwrite and process high-end Single Family Residential, Multi-Family and Commercial loans and lines of credit for the Relationship Management team . Proficiently analyze high net worth borrowers (individuals and business entities) with complex financials, numerous interest ownership in various entities, and numerous REO's. Provide excellent client service all while ensuring a expeditious close of escrow.

Gardena, Ca

Prepare in-depth analysis of residential mortgage loan requests to determine loan amount eligibility based on credit, collateral, income and asset based lending.Analyze borrower's financial statements and credit reports to identify crucial asset information along with credit concerns and repayment capacity; make recommendation and a decision report to minimize lending risk and strengthen loan portfolio.Underwrite to FANNIE MAE and NCUA guidelines along with applicable ARCH mortgage insurance guidelines for primary, second home and investment properties, while actively staying up to date with current policies.Conduct in-depth review and analysis of residential real estate appraisals, while working closely with real estate brokers, title and escrow officers.Compile packages of saleable mortgage loans with specific investor requests into multi-million dollar portfolios while working directly with corporate investors.Key member of a data conversion team to implement a new data core system for the credit union along with troubleshooting and problem solving to provide reports on progress and issues. Issue procedures and train Real Estate department on new system and maintain system support.

Long Beach, California

Acquire new business through deposit accounts, strengthen and deepen relationships with clients by finding financial solutions which best fit their needs. Bring in large balances for high valued clients, provide investment and credit advice while exceeding sales goals. Retirement planning and reviewing the profit and loss charts for the branch to maximize full potential.

Built strong relationships with customers and prospects in order to fully provide financial services by delivering a complete range of financial products and solutions.-Exceeded daily, weekly, monthly and quarterly goals in new business: such as checking, savings account, personal loans and investment assets-Provided advice and executed informed decisions for customers credit and investment needs.-Cross sold to existing clients as well as providing exceptional customer service to maintain and grow our client base.