Stephen Marquez Email & Phone Number

Seattle, Wa, Us

Bellevue, Washington, United States

Seattle, Washington, United States

• Managed team of 5 individuals responsible for all loan closings, ordering of loan/collateral documentation and collection of required financial statements, supporting 25+ Relationship Managers in Seattle, Bellevue, Tacoma and Alaska markets (encompassing 500+ commercial clients with $2Bn in aggregate loan commitments).• Organized/led trainings to update team regarding bank policy/procedures changes as they performed in-depth review of collateral, legal agreements and credit approval documents to ensure final executed details were captured accurately in bank’s system of record, while upholding both bank and regulatory standards.

Seattle, Washington, United States

• Performed underwriting, financial analysis/modeling and loan structuring for complex commercial banking relationships, covering a wide range of industries (real estate, seafood, timberland, shipping and airlines) for borrowers with annual revenues of $10MM to $500MM+, including both single bank and syndicated transactions. • Developed extensive knowledge of bank’s credit policy, loan documentation review/loan servicing processes, risk management philosophy, along with deep product knowledge (credit/treasury/interest rate derivatives/foreign exchange hedging/equipment lending/ private wealth services, etc). • Partnered with Relationship Managers to deliver positive outcomes for new and existing customers pertaining to extension of credit and treasury services, while also monitoring/reviewing covenant compliance, reporting requirements and compliance with Loan Agreement terms and bank policies. • Mentored junior credit analysts to help them refine underwriting techniques, build financial spreading/projection skills and strengthen their understanding of various types of collateral (inventory, equipment, real estate, etc). • Helped bank comply with ongoing data integrity, risk rating/Basel and regulatory audits, including Highly Leveraged Borrower identification (“HLB”), Flood/FEMA reporting, HMDA reporting, assisting with 8+ successful internal audits.

Santa Monica, California, United States

• Supported analysis of group’s $3.3Bn in senior secured asset-based financing commitments to over 50 companies, with loans used for refinance, acquisition, recapitalization, growth capital and working capital purposes.

Santa Monica, California, United States

• Conducted cash flow and financial statement analysis for companies (revenue size) $10MM - $1Bn and contributed to the underwriting of participation and secondary purchase opportunities, including review of 100+ companies and purchase of $385MM in loan commitments.• Produced weekly statistics and commentary of the primary/secondary loan markets for middle market cash flow and asset-based loans, which were distributed to 70+ business development officers and portfolio managers.

Torrance, California, United States

• Completed financial, legal and market analysis for the acquisition and development of 11 commercial/SFR real estate development projects, each project ranging in cost from $5MM to $20MM.• Analyzed budgets, managed contracts, obtained bids and permits for the construction of 450 SFR, 62 multifamily apartment buildings, and a (60,000sf) medical office building.