Victor Perez

Senior Associate - Hypo Real Estate / Depfa Bank, Plc

Brooklyn, NY

ace3ka@r.postjobfree.com - 917-***-****

WORK EXPERIENCE

Senior Associate

Hypo Real Estate / Depfa Bank, Plc - April 2004 to Present

Ensure that appropriate reconciliation reports are produce on a daily basis.

• Daily reconciliation of GIC accounts - Identify Breaks.

• Communicate with internal operational departments an action for resolution of breaks.

• Verification and approval of daily trades - using Summit and Front Arena ( PRIME ).

• Monitor and communicate foreign exchange positions to management.

• Analyze and resolve cash and general ledger discrepancies for various systems.

• Processing of general ledger and settlement transactions.

• Ability to maintain proper trail / investigations of aged open items.

• Delivery of End of Day reports to management.

• Analyzed the Loan Servicing Department business processes to identify risk/inefficiencies.

• Developed/Improved the process to mitigate the identified risk / inefficiencies.

• Customer Registration, Deal Setup, Loan Drawdown, Rollover Principal/Interest Payment, Letters of

Credit Issuance/Amendments, Assignment Purchase/Sale, Reconciliation, ACBS End of Day Task.

• Close interaction with Assets and Relationship Managers.

• Review loan documentations to ensure that all loans are booked in compliance with established credit

Agreements and Internal Credit Guidelines. Interest Rate Caps, Swap Agreements, Syndication

Agreement, Fees and Skims.

Involved in closing process - calculations of Up-Front Fees, Stub Interest and Administration Fee.

• Manage a Loan Portfolio consisting mainly of problem loans and deals with complex pricing and structures.

• Provide Liquidity recommendations for additional and future funding.

• Liaison between senior management, staff and other departments, ( Financial control, accounting,

audit and front office )

• Notify Head Office Loan Servicing of Liquidity and expected Funding / Closings

• Reconciliation of SAP / CML / ACBS

• Monthly tracking of Capitalized Interest and Fees.

• Monitor Incoming / Outgoing Funds in JP Morgan Access.

• Bank of America Escrow online Banking.

• Complete Quarterly and Yearly Audit Confirmations.

• As Agent Bank, Inform Syndicate Members of Facility movements. Fundings, Repayments, Unit

Contract Sales Proceeds.

• Prepare daily Funding Projection Report for Head Office to ensure funding position.

Assistant Treasurer

THE FUJI BANK, LTD - March 2000 to December 2003

Developed / Improved new work flow - daily process within the department.

• Handled all loan related transactions for various banking groups.

• Reviewed all terms after closing.

• Set up all parameters for new deals on ACBS.

• Measured/monitored operational risk and prepare reports to senior management.

• Processed notices for part-out syndicated and risk participation deals.

• Informed treasury of funding and rate set according to date line.

• Reconciled and identified outstanding items for incoming - out going funds.

• Reviewed all processed work for accuracy on IIS.

• Prepared compensation notices for unreceived funds.

• Prepared status report for management.

Loan Administration Officer

NATIONAL BANK OF CANADA - March 1999 to March 2000

Daily processing of Asset-Based Financing.

• Verified the accuracy of assigned collateral to ensure the protection of loans secured by accounts receivable

and inventory.

• Booking and maintenance of Real Estate, Project Finance, Public Finance and Trade Finance deals.

• Daily nostro reconciliation.

• Calculated f fee accruals adjustments.

• Reviewed loan agreements for proper compliance.

• Reviewed field examination report.

• Prepared prospect report - for evaluation of future customers.

• Quarterly evaluation of Banking Group profit income.

NY - Senior Loan Administrator

HYPOVEREINSBANK AG - Los Angeles, CA - January 1997 to March 1999

Immediate Supervisor of Loan Operations Dept.

• Established new loans in accounting system (Midas), centralized for BVNSA

New York, Chicago and Los Angeles.

• Syndicated, Bilateral, Real Estate and Constructions Loans.

• Verified booking instructions given by initiating banking group.

• Monitored past due loans.

• Adjusted loans to non-accrual status.

• Reviewed loan agreements for compliance.

• Create report to support each processing problem and identified risk / inefficiencies.

• Daily reconciliation of loan clearing account.

• Established commitment, facility and up-front fee accrual and amortization in MIDAS

• Monitored and applied fee payments.

• Daily nostro reconciliation.

• Monthly reconciliation of fee accruals.

• Booking, maintenance and monitoring of loans on ACBS.

Senior Loan Administrator

NATWEST CORP. FINANCE - September 1991 to December 1996

TECHNICALSKILLS:

Proficient in ACBS, Loan IQ, SAP-CML, Midas, Swift Alliance, Excel, Microsoft Office, Lotus Notes, SAP,

Business Objects, Front Arena / PRIME, Corona and Summit

EDUCATION

Liberal Arts and Science

New York Technical College

1985 to 1987

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