Robert Avalos Email & Phone Number

Phoenix, Az, Us

Phoenix, Arizona, United States

Phoenix, Arizona Area

- Provide guidance to clients and prospects on working capital management, capital structure and treasury management. Focus primarily on companies with revenue over $10MM - Areas of focus: Renewable Energy, Non- Profits, C&I and Commercial Real Estate- Underwrite and structure commercial project finance requests in excess of $20-$30 Million- Actively manage commercial relationships within a portfolio totaling $110MM+ million focusing on retention and business development opportunities.

- Management of business banking and middle-market sized corporate credit.- Negotiated, structured, underwrote and executed credit commitments to new and existing commercial banking clients- Utilized single signature credit approval authority on transactions. Credit approval authority up to $1.5MM

• Successfully negotiate resolutions for matured and distressed residential lot loans including but not limited to loan modifications, extensions and short sales.• Prepare and present credit approval memorandums to executive loan committee.• Assist the development of procedures to streamline the modification and documentation process.• Assist in-house counsel with the successful disposition of foreclosure and litigation accounts

• Managed credit risk and profitability for a $100 million loan portfolio consisting primarily of commercial real estate credits. • Prepared and presented credit risk analysis to loan committee and credit policy committee members.• Led southwest region in bank wide BASEL II re-rating project, analyzing existing portfolios to assign new ratings in line with inherent risk.