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Click here or scroll down to respond to this candidate Candidate's Name PHONE NUMBER AVAILABLE | MASPETH, NY | EMAIL AVAILABLE
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AVP (Senior Credit Analyst) OF CREDIT RISK MANAGEMENTLoan Underwriting| PORTFOLIO MANAGEMENT | Credit AnalysisAnalytical, detail-oriented finance leader with over 20 years experience in a corporate and banking credit risk function, leveraging extensive expertise in underwriting and managing multimillion-dollar loan portfolios. Demonstrates the capability to lead positive client experiences, secure new business, assess market trends, and develop productive working partnerships across business functions while thriving within a fast, high-pressure atmosphere.
CAREER HIGHLIGHTS Supervised a 3-person team of credit analysts proofreading credit memoranda and reviewing the accompanying financial analytics provided by in-house and outsourced underwriting staff while assuring each credit package adhered to credit metrics and quality assurance policy.
Led a 15-member team of underwriters to achieve the goal of completing 1,000 loan renewals within 4 short months.
Managed a $900M loan portfolio, quality performance rewarded with a promotion to Assistant Vice President.
Performed comprehensive credit reviews on 700+ combined private and public accounts resulting in recruitment to the Corporate Risk Management Professional Development Rotational Program.
Areas of ExpertiseCRE Loans I C&I Loans | SBA Loans | PPP Loans | Secured/Unsecured Lines of Credit I Non-Profit/Religious Loans | Taxi Medallion Loans | credit Risk ratings |Asset-Based Loans| Due Diligence I Regulatory Compliance Lending Policies & Procedures | KYC Compliance I HMDA I OFAC Screening I Collections/Accounts Receivable I Solid Knowledge of Accounting Principles I Interpret Credit Agreements and other Loan Documentation I Full Understanding of All Embargo requirements related to letters of credit and lending business lines I investigation and prompt feedback of any inquiriesPROFESSIONAL EXPERIENCETech Lead/Quality Control Analyst/Consultant October 2021, to February 2023, Tech Mahindra Americas, Inc. Jersey City, NJ
Recruited by Tech Mahindra Americas, Inc in a consultant s role to manage the day-to-day responsibilities as an outside auditor of accounts assigned to Citibank s portfolio of Banking Capital Markets & Advisory (BCMA) commercial loan and business loan and investment accounts.
Recommend, implement, and monitor preventive and corrective actions to ensure that quality assurance standards are achieved. Identify and remedy defects within the production process.
Compile and analyze statistical data. Ensure that user expectations are met during the testing process.
AVP/Senior Commercial Credit Analyst September 2019 to September 2021 Bankwell New Canaan, CTNew business credit underwriting, spreading historical financial statements, preparing projections, analyzing trends, preparing questions for perspective borrower, and drafting loan write-ups for submission to appropriate authorities. Knowledge of analyzing commercial and personal financial statements, and corporate and personal tax returns. Also, perform due diligence, industry comparisons, credit checking, review of commercial appraisals, and review of construction budgets.
New business credit underwriting Assisting in special projects that involve the entire Commercial Loan Portfolio Assisting the commercial loan administrator and commercial lenders with any credit related needs Mentoring junior credit analysts on the team Communicating directly with the borrower or the borrower s representatives Performing annual credit reviews on updated financial statements and renewals of existing borrowing relationships Monitoring past due reports, covenant compliance, borrowing base certificates, state financial reporting Ensuring the bank and the credit team are compliant with all audit and regulatory guidelines and help track HMDA and CRA eligibility.
Review and submit PPP Loans to SBA for eligibility.
Portfolio Analyst August 2018 to June 2019 KEB Hana Bank New York, NYResponsibilities include maintaining a mixed portfolio of 110 criticized and classified Commercial Real Estate, C&I and SBA loans. Annual and Quarterly Credit Reviews, spreading financial statements, reviewing appraisals, rent rolls, personal financial statements. Additional responsibilities include scheduling site visits, calculating global cash flow analysis, personal cash flow analysis, reviewing Experian reports, undertakings, delinquent real estate taxes, collections.
Review existing problem loans, conduct quarterly and annual credit reviews, perform site visits, handle customer conversations.
Manage borrowers to provide information required by the Bank to perform an informed credit analysis.
Assess Credit Risk in the loan portfolio and assign proper risk ratings, propose, and support downgrades or upgrades. Formulate and document action plans and prepare impairment analysis and present findings to the Management Loan Committee on a weekly basis.
Underwriter/Team Leader/Consultant March 2017 to July 2017 Melrose Credit Union Briarwood, NYLed and developed a team of 15 underwriters, coaching techniques that improved the quality of their presentation, proofreading credit memoranda and reviewing the accompanying financial analytics provided by in-house and outsourced underwriting staff while assuring each credit package adhered to loan and quality assurance policy.
Tasked with conducting in-depth credit analyses for renewals and modifications within each taxi medallion portfolio, assigning the appropriate credit risk grade and making the corresponding underwriting decision.
Executed an efficient plan of action that included the due diligence work, the negotiation of new loan terms, and the underwriting of new deals, saving key accounts, and resulting in the attainment of a 1,000-loan renewal goal.
Collaborated with NCUA and senior management while participating in regular meetings.Commercial Credit Officer/Underwriter October 2015 to February 2017 Abacus Federal Savings Bank New York, NYManaged the commercial credit portfolio accounts, conducting the preparation, review, and analysis for all commercial loan proposals, determining a borrower s creditworthiness by assessing risk based on a variety of factors including appraisals, projections, cash flow, collateral analysis, stress testing, historical and market trends, financial statements, environmental and engineering reports to determine borrower s creditworthiness. Performed the required due diligence, ensuring compliance with credit policies and applicable regulations. Processed the underwriting for commercial real estate loan proposals for mixed-use multifamily, residential, mixed-use condominium, and co-op investment properties with sign off authority of up to $10M.
Prepared and presented written credit memos to loan review committees, board regulators, auditors, and credit management, collaborating with the lending and loan servicing teams to ensure quality performance.
Participated in the development and implementation of new banking policies and procedures, which were ultimately approved by the auditors and regulators from the Office of the Controller of Currency.
AVP/Portfolio Manager August 2014 to February 2015 Carver Federal Savings Bank Harlem, NYLeveraged comprehensive knowledge of OFAC Screening, KYC Compliance, AML/BSA, HMDA Policies and Procedures to manage a $400M loan portfolio, underwriting and submitting new business and annual loan reviews.
Analyzed annual and interim financial records, including tax returns, rent rolls, personal bank statements and cash flow projections, in addition to preparing loan monitoring reports, regularly reviewing overall asset quality. Determined borrower compliance with loan agreements and implemented corrective actions that may have included default interest rates for confirmed instances of non-compliance.
Senior Credit Analyst October 2011 to April 2014 Sterling National Bank New York, NYFacilitated the management of all credit/risk for asset-based, commercial/industrial, commercial real estate, and middle market loans ranging from $250M to $20MM through the analysis of margin, business trends, historical financial data, cash flow coverage/leverage, and risk rating reviews.
Identified and reported the risks associated with new and existing credit requests, seeking to mitigate those risks by ordering and reviewing background checks, conducting due diligence, and preparing compliance documentation.
Completed annual reviews, processing amendments, renewals, and waivers for existing client credit approval, in addition to updating internal trend reports using borrowing base certificates and financial statements.
Engaged and managed the expectations of stakeholders at all levels, providing world-class service to both internal and external customers, including existing and prospective clients, investment bankers, lawyers, and accountants.
Formulated exit strategies based on collateral liquidation values determined through collateral field examinations and appraisals while evaluating adherence to institutional policy and procedures.
AVP/Senior Credit Analyst September 2000 to March 2011 CIT Group New York, NYPromoted to leadership role tasked with the valuation, credit review, and management of all 700+ credit/risk accounts within the equipment finance portfolio; utilizing financial modeling to calculate loss-given-default grades and probability of default grades for existing clients and default potential analyzed events, financial performance, industry reviews, and outlook for potential client calculations.
Supervised a 3-person team of credit analysts proofreading credit memoranda and reviewing the accompanying financial analytics provided by in-house and outsourced underwriting staff while assuring each credit package adhered to credit metrics and quality assurance policy.
Spearheaded the firm-wide credit risk assessments as part of the Elite Corporate Risk Management Professional Development Rotational Program.
Supported the Chief Risk Officer and Business Unit Leaders as needed, providing full due diligence to senior management within 48 hours, including all necessary information to enable data-driven price/buy decision-making.
Demonstrated skillful working knowledge of Factiva, Dun & Bradstreet Reports, Experian Reports, and Ibis World search engines, in addition to OFAC Screening, KYC Compliance, and AML/BSA Policies and Procedures.
EARLIER ENGAGEMENTSCredit Manager/Collections 1996 - 2000 Solo Credit International New York, NYAccounts Receivable/Collections Analyst 1995 - 1996 Galey & Lord, LLC New York, NYCollections/Accounts Receivable 1992 - 1995 Oxford Resources Corp Melville, NYSenior Collector/Consumer Credit Card Accounts 1986 - 1992 American Express New York, NYFormal Credit Training Programs/Risk Management Association Courses Completed 2019CRE-Series 1 Types of CRE Loans Risk Areas and Performance Drivers.
CRE-Series 2 CRE Underwriting Process.
CRE-Series 3 - Financing Different Types of Commercial PropertiesCRE-Series 4 Understanding and Evaluating Leases, Appraisals, and Environmental AssessmentsCRE-Series 5 Loan Structure and Documentation Considerations
CRE-Series 6- Construction Lending
educationBachelor of Science in Business Administration & Management St John s University, Jamaica, NYTECHNICAL PROFICIENCIESMicrosoft: Word | Excel | Outlook Accounting Software: Moody s Risk Analyst I Loan IQ I OFAC Prime |
