Elida Ruby Juarez
Pasadena, Texas 77504
Phone: 281-***-****
Mobile: 713-***-****
Email: abmjs6@r.postjobfree.com
PROFILE SUMMARY: Performance driven, insightful professional with a proven
ability to achieve and exceed all business-development goals in high
pressure financial environment, and expertise in managing relationships
which contribute to aggressively establish solid client foundation as a
Commercial/Corporate Treasury Service Manager.
PROFESSIONAL EXPERIENCE
PRIMERICA, WORLD FINANCIAL GROUP
Nov. 2009 to Present
Independent Associate
. Educate fundamental and strategic concepts of financial
planning to the general public
. Promote scheduling orientation s of current and future
financial need analysis, life protection, loan re-finance,
debt management, emergency fund, investment and legal support
services
. Construct business ownership regulations including certified
life agent and additional in progress licenses required to
authorize insurance, retirement and investment options
. Train with Regional Managers on business presentations and
prospect recruiting interests
THE BANK OF NEW YORK MELLON, JPMORGAN CHASE BANK Apr. 1996 to Dec. 2008
Relationship Manager
. Successfully engaged portfolio manager relations and exceeded
profit targets in deriving client platinum status through
acquired transactions which generated constant revenue
production
. Ensured comprehensive risk management, trading, cash
management, accounting operations, and implemented
efficiency in consistent workflow sensitive time frames
relevant to operating nine and monitoring remaining seven of
the encompassed sixteen corporate trust accounts, devised
from excelled preferred client partnership, comprising over
nineteen billion asset worth
. Approved compliance reports from cross trained Associate
Relationship Managers, managed and coached additional directs
with keen focus to surpass internal and external parties
expectations
. Analyzed and modeled investment reports in accordance with
eligibility and governed guidelines
. Tested hypothetical analysis to forecast sales and purchases,
optimized growth or contested risks
. Consistently attained new higher net capital portfolios and
constructed intricate calculations per restructured
investment prerequisites to execute seamless priority of
payments distribution allocated amongst multiple counter-
parties and note holders with dominant trustee endorsement
. Interfaced collaboration amongst controller, portfolio
managers, investors, auditors, brokers, and rating agencies
to best validate profitability and integrity of
collateralized debt obligation instruments traded in various
complex structured market sectors
. Incorporated relationships with internal and external
operational payment groups or note transfer departments by
facilitating resolutions for collateral managers and
investors to accelerate investment payment discrepancies,
research note holder modifications and other client issues
. Utilized quantitative tools to support investment
performance attribution results including the competence to
execute complex financial arrangements by interpreting
regulated corporate trust agreements and legal exposure from
consulting deal counsel as differences of opinion emerged
Senior Corporate Trust Administrator
. Developed techniques to proactively team up with Relationship
Managers and perform daily portfolio balance sheet
reconciliations using spreadsheets, internal accounting
system, reporting model and or loan tracking system to
maintain parallel with collateral managers portfolios
. Resolved client and investor general queries pertaining
applicable investment portfolios
. Researched Moody's, Standard & Poor's and Fitch security,
issuer, servicer, and obligor ratings
. Forecasted asset interest accruals, differed payments,
principal pay downs or advances, prepared wire transfers,
researched security types, industry sectors and other
security characteristics via Bloomberg, servicer reports,
loan agency notices or other CDO compliance investment
reports
. Confirmed trade tickets, monitored the cash flow of purchase
or sale trade transactions, and arranged for brokers and back
office to execute domestic or foreign trade settlements
. Compiled cash flow transactions and diverse asset descriptors
of bond, loan and or asset backed security portfolios,
ranging from one hundred to three hundred holdings, on
reporting models to generate interim, weekly, hypothetical
plus monthly compliance reports in pressured deadlines
. Earned management and collateral manager recognition for
spearheading efficient turnaround periods to re-register
physical securities and cultivating relationships with other
trustees as well as domestic or foreign paying agents to
facilitate initial income claims
Commercial Loan Compliance Officer
. Orchestrated internal audits to ensure efficiency/accuracy
and regulatory compliance provisions declared in commercial
loans promissory notes, credit agreements, security
agreements, supplementals, assignments, guaranty agreements,
and other documents were attained
. Demonstrated excellent service to commercial loan clients and
loan officers in executing covenant requirements to confirm
regulations, defined in various documents of global, real
estate, middle market, small business and private banking
loans, encompassed with pledged negotiable collateral, were
complied on loan closing dates
. Integrated measures and merged efforts with loan officers
around the global region to minimize exceptions of
outstanding credentials and improve reports supervised by
senior management
. Initiated, monitored and released ticklers pertaining
documents pending or received
. Participated in management projects including development of
merger implementations and transition manuals for Commercial
Loan Operation Units outsourced to partner subsidiaries
Commercial Loan Account Manager
. Proactively excelled in developing client, loan officers and
syndicated bank relations through network and seminar
marketing incentives to empower as principal administrative
agent leader
. Interpreted, examined and administered fiduciary agent
obligations dictated in credit agreements, assignments, and
amendments on commercial loans participated to other banks
and or investors
. Monitored credit availability per borrow limitations and
evidence of required approvals
. Persistently surpassed deadlines in expediting notices and
credit facility options such as loan advances, principal
payments, libor rollovers, interest prime or libor rate sets,
steadily monitored assigned bank pro rata receivables and
distributed syndicated bank interest or commitment fee
payments relevant to revolving or term loans ranging from one
hundred to nine hundred million
. Reconciled multiple accounts daily and generated weekly
reports for senior management review
TEXAS COMMERCE BANK May1989 to Apr. 1996
Commercial Loan Senior Customer Service Rep
. Assisted client calls to the Customer Service Units, directed
other calls to proper bank divisions
. Prepared interest accrual spreadsheets, amortization
schedules and originated release of collateral
. Calculated loan payoff quotes for internal colleagues,
clients, and other financial institutions
. Resolved any principal balance, past due payments, or
accrual disputes
Commercial Loan Quality Control Clerk
. Reviewed loan closing packages to certify required negotiable
collateral such as stock certificates, vehicle titles,
property deeds, and letters of credit, declared in security
agreements, were preserved in-house
Personal Trust Services Specialist
. Administered high volume preparation and release of checks or
wires for personal trust clientele upon approval from trust
officers
. Processed stop payments, reconciled dda transactions, general
ledgers, and wire clearing accounts
EDUCATION
Charles H. Milby High School
Texas Department of Insurance
Houston, Texas
Life Agent - License #1604667
SOFTWARE SKILLS
Microsoft Excel, Word, Lotus Notes,
CallAtlanta, AS400 Billing, Bloomberg,
WallStreet Office 7&10 Platforms, Global
Plus, Trust Account System,
Account Control System, Structured Analytical
Model, Bondmaster, Certmaster,
AMTrust Accounting, Etran Trade Model, Adobe,
Moody's CDO Rom,
Standard & Poor's Monitor, Paradox, Agent
Plus, CLAS and Remote Data Entry
LANGUAGES
Spanish
PROFESSIONAL TRAINING DEVELOPMENT
Investment Portfolio Analysis, Banking Regulations and
Compliance Courses, Truth- in-Lending
Commercial Loan Guidelines, Management-Employee
Relations, Executing Diversity and Superior
Client Partnership Seminars
VOLUNTARY COMMUNITY SERVICES
Participated in organizing fund raising
campaign programs for St. Juan Diego Catholic Church
Pasadena, Texas