Santos Serrano Email & Phone Number

Sacramento, California, United States

Responsible for assisting with all loan-related functions including the processing of new loans and renewals, ordering required reports for underwriting, spread financial statements and tax returns, and maintaining loan files. Determined maximum account of financing by conducting borrowing base certificates and contractor analysis. Calculated global cash flow, debt service calculations, and loan pricers. Performed real estate inspections and worked extensively on the Paycheck Protection… Show more Responsible for assisting with all loan-related functions including the processing of new loans and renewals, ordering required reports for underwriting, spread financial statements and tax returns, and maintaining loan files. Determined maximum account of financing by conducting borrowing base certificates and contractor analysis. Calculated global cash flow, debt service calculations, and loan pricers. Performed real estate inspections and worked extensively on the Paycheck Protection Program. Show less

Sacramento, California, United States

Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests.Daily duties involve: Spreading financial statements, WIP analysis, Borrowing Base calculation, Default Reports, Break-Even analysis, Verify advance requests, Financial Covenants/Tracking, Work heavily with spreadsheets

West Sacramento, Ca

Liaised with loan officer to evaluate, devise, and develop commercial and business credit proposals. Oversaw and efficiently managed financial and covenant ticklers, problem loans, internal reports, titles, appraisals in order to ensure continuous functioning. Key contact for electronic and hard files to ensure accessibility of Bank's loan files.

formerly Irwin Union Bank

Assisted with opening the first Irwin Union office in California.Manage flow of prospect to borrower relationship.Work to settle conflicts with: borrowers, appraisers, environmental engineers, attorneys, escrow officers, and loan documentation group Monitor financial/documentation exceptions, run past due calls, downgrade credits, prepare borrowing base reports, and work on credit write-ups.Order/review loan documents, appraisals, environmental reports, preliminary reports… Show more Assisted with opening the first Irwin Union office in California.Manage flow of prospect to borrower relationship.Work to settle conflicts with: borrowers, appraisers, environmental engineers, attorneys, escrow officers, and loan documentation group Monitor financial/documentation exceptions, run past due calls, downgrade credits, prepare borrowing base reports, and work on credit write-ups.Order/review loan documents, appraisals, environmental reports, preliminary reports, site inspections, and other related documentation. Train co-worker on credit procedures and practices Show less

Supported loan officers' with underwriting new and existing credits.Spread Tax Returns, Personal Financial Statements, and Corporate Financials with Baker Hill software.Calculated covenants, issued waivers based on covenants defaults, processed Libor rollovers, oversaw internal DMV title audits, and determined borrowing base availability through A/R agings. Prepared and distributed quarterly CQR's, completed credit write ups known as Recap, and ordered documents through Pedestal… Show more Supported loan officers' with underwriting new and existing credits.Spread Tax Returns, Personal Financial Statements, and Corporate Financials with Baker Hill software.Calculated covenants, issued waivers based on covenants defaults, processed Libor rollovers, oversaw internal DMV title audits, and determined borrowing base availability through A/R agings. Prepared and distributed quarterly CQR's, completed credit write ups known as Recap, and ordered documents through Pedestal Recap. Show less

Assisted in securitization of loans, audited collateral and loan file jackets.Worked with County Recorder's Office to record Assignment of Security Deeds.Communicated with insurance agents to update mortgage information.

Ba, Business Economics

Activities and Societies: Tennis, Local Softball League

Bachelor Of Arts, Business Economics