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Click here or scroll down to respond to this candidateCandidate's Name
PHONE NUMBER AVAILABLEEMAIL AVAILABLEStreet Address
Professional Experience:July 2023 Present Self-Employed - Investor in the Stock Market( This is the only way that I have found to make a living) I still have hopes to find a new position; thus, the reason I keep applying Maybe I get lucky one day!November 2006 - July 2023 Commercial Loan Credit UnderwriterFlorida Business Development Corporation, Miami, FL [Certified Development Company]Focus is underwriting commercial loans secured by real estate and/or machinery and equipment.Certified Development Companies (CDCs) are nonprofit corporations that promote economic development within their communities through SBA 504 loans. The SBA authorizes CDCs to provide financing to small businesses with the help of third-party lenders (typically banks).Perform underwriting of SBA 504 loans. Funds can be used towards the purchase of land, land and building, construction of new building, renovation of existing building. working capital, purchase of machinery, professional fees, and other expenses [business operations expenses].Perform underwriting of commercial and industrial loans (C&I loans). Commercial and industrial loans provide companies with funds that can be used for various purposes, including working capital or to finance capital expenditures such as purchasing machinery.Perform underwriting of conventional real estate loans [CRE loans] used for business-related purposes or to generate rental income. They can be used to buy, build, renovate, or refinance such properties.Create financial spreads based on companies financial statements to measure operating performance, financial condition, cash flow, and repayment capacity (EBITDA coverages, DSCRs and debt-to-income ratios).Performed liquidity, solvency, profitability, activity, and leverage ratio analysis to assess companies.Conversed with clients and prospects to create call reports and clarify any pertinent questions related to the loan.Bank Teller, Bank of America, N.A., Miami, FL April 2003 October 2006Receive and count working cash at beginning and end of shift.Identify customers, validate, and cash checks.Accept cash and checks for deposit and check accuracy of deposit slip.Process cash withdrawalsPerform specialized tasks such as preparing cashier's checks, personal money orders, and exchanging foreign currency.Perform services for customers such as ordering bank cards and checks.Hotel Front Desk, Marriot Residence Inn in Coconut Grove, Miami, FLJanuary 2001 March 2003Welcome guests in a warm and friendly manner.Ascertain their lodging, purchasing needs.Assist guests and owners in a branded, friendly, proactive, and efficient manner with appropriate follow-up as necessary.Know all essential aspects of the resort or hotel operations.Register guests and manage the rooming chart, generate reports.Education:Certified Nursing Assistant [CNA License] January 2023 April 2023Florida International University, Miami, FLBachelor of Business Administration January 2007 - August 2010Major: FinanceMiami Dade College, Miami, FL May 2003 - December 2006Major: FinanceSKILLS:Bilingual [Native Spanish and English]Excellent time management and organizational skillsStrong attention to detail and accuracyExcellent verbal and written communication skillsAdvanced knowledge of financial spreadsheet softwareAdvanced computer skills including but not limited to proficiency in Microsoft Office(Word, Excel, Power Point, etc.) |
