OSCAR A. HERNANDEZ

**** ** ***** *****

Miami, FL 33173

786-***-****

ac0peo@r.postjobfree.com

Senior Credit Analyst

Twenty years of banking experience in credit management, commercial lending, including business development, commercial real estate, equipment financing, conventional, SBA 504 and 7A loans, revolving lines of credit, financial analysis, sales and marketing, international credit and finance. Extensive network of commercial realtors, capital market brokers, and accountants. Experienced financing foreigners with US domiciled businesses, especially with SBA programs. Bilingual and bicultural in English and Spanish.

EXPERIENCE

Commercial Lender. Vice-President, Valley National Bank. March 2016 to Present.

Generated over $16.0 million in new loans until April 30th, 2017.

Extensive business referral network with commercial realtors, capital market brokers and investors. Prospected, solicited, analyzed and evaluated commercial financing transactions for the conventional and SBA 504 programs.

Managed to approve and to close the first SBA 504 loan to a foreigner without social security number.

Sponsored SIOR monthly lunch in 2016.

Met business owners to determine their financial needs, earnings and ability to repay and to assess if new loans are an acceptable risk.

Assigned loan risk rating based on the bank’s credit policy.

Helped other commercial lenders to structure deals in order to reduce credit risk, mainly with SBA 504.

Commercial Lender. Banesco. February 2015 to September 2015.

Generated over $105 million in new business up to July 31st, 2015.

Met new business loan applicants to gather information, relative to their business needs, earnings and abilities to repay to determine whether loans may be an acceptable risk.

Business Development Officer. Business banking division. Bank of America, Commercial Real Estate Lender. July 2011 to January 31, 2015.

Ranked 6th highest out of 25 BDOs nationwide in 2013, and exceeded annual budget. Closed deals included conventional, SBA 504 and 7A commercial real estate loans, revolving lines of credit, treasury services, foreign currency and equipment financing deals.

Generated over $102 million in new business up to December 2014.

Prepared company profile and cash flow analysis to make credit recommendations for new small business, C&I and commercial real estate loans.

Visited new prospects with credit underwriter to determine complex loan requests. Analyzed corporate and personal income tax returns, internally prepared financial reports, and personal financial statements to submit new deals to the credit department.

Reviewed global cash flow models, financial spreads and financial ratios to overcome credit underwriter objections regarding declined loan requests.

Represented Bank of America at the SIOR national conventions from 2011 to 2014, and the 2014 Florida SIOR state conventions.

Heavy experience financing foreign business owners with conventional and SBA loans.

Strong sales, marketing and interpersonal skills, including cold calling, seminar presentations, heavy prospecting and customer contact.

Business Development Officer. EuroBank, Commercial Real Estate Lender. January 2010 to July 2011.

Closed $1.0 million in the first three months of 2011. Pipeline was over $11.3 million, including conventional, SBA 504 and 7A transactions.

Designed and implemented marketing campaign to generate 504 SBA refi loans. Made a joint presentation with the local CDC to the SIOR monthly meeting in September 2010.

Coordinated the SBA panel at the RCA Super Conference & Commercial Real Estate Expo in November 2010.

Business Development Officer. Mutual of Omaha Bank, SBA Lending Division. March 2009 to September 2009.

Submitted $57 million to the Real Estate Investment Division, and $9.6 million to the SBA Lending Division.

Designed lending program to finance foreign borrowers with US domiciled businesses.

Senior Account Manager. GE Real Estate, Business Property. September 2003 to March 2009.

Closed over $17.5 million in the first six months of 2008, and ranked 6th highest out of 50 BDOs nationwide. Closed over $20.2 million in 2007. Referred several deals to the Middle Market, NAL and Hospitality divisions.

Repriced over $13 million with higher interest rates to meet new higher business threshold.

Close business relationship with extensive network of national, regional and local commercial realtors, mortgage brokers and developers, and prepared co-marketing campaigns for several properties.

2006 and 2007 Net Promoter Score (NPS) Hall of Fame.

Screened all deals with risk before loan proposal to minimize wasted time and to focus on risk concerns.

Strong client presentation including detailed financial impact of financing alternatives.

Problem solver: recommended corporate structure changes to help clients achieve financing goals.

Analyzed, prepared, presented and recommended SBA 504 and non-SBA, conventional loans, to finance commercial real estate properties for business owners and investors to the Risk Department.

Assistant Vice-President, Business Development Officer, Commercial Real Estate Financing Division. The International Bank of Miami, Miami, Florida. September 2000 to August 2003.

Closed over $10 million in commercial real estate loans in 2002, and closed over $6.5 million in the first six months of 2003.

Developed business relationship with commercial real estate mortgage brokers, investors and real estate brokers in the assigned areas. Prospected, solicited, analyzed and evaluated commercial real estate financing transactions for the conventional and 7A SBA programs.

Assistant Vice-President, Trade Finance Division. The International Bank of Miami, Miami, Florida. October 1996 to September 2000.

Responsible for handling the division's day-to-day operations, which included but were not, limited to lending, daily contact with clients and prospects, liaison with the Credit and Letters of Credit departments.

Credit Manager. Assistant Vice-President, The International Bank of Miami, Miami, Florida. September 1991 to October 1996.

Responsible for implementing and enforcing credit policies and procedures.

Reviewed all new credit requests, and annual renewals for companies, and commercial banks. In addition, assigned credit risk ratings to all companies, commercial banks and countries.

Evaluated counterparties’ credit risk in transactions with the Capital Market Group.

Secretary of the Credit Committee, and member of the Asset/Liability Committee.

Supervised three employees in the Credit Department, and trained new analysts. Evaluated by the Chief Financial Officer as "strong analytical mind, very reliable and devoted to his work and very professional attitude".

Public speaker regarding small business, international banking and regulatory issues.

Up-graded Chile and Argentina country risk rating several weeks before Moody's in 1992, and downgraded Venezuela before the 1992 failed coup, while Moody's and S&P credit agencies both upgraded the country. Recommended downgrading Colombia country risk rating in 1997.

International Credit Manager, banking officer, First American International Bank, Miami, Florida. December 1988 to August 1991.

Presented financial analysis of Latin American correspondent banks to the Credit Committee in Miami and to the Senior International Loan Committee in Atlanta. Determined bank's credit risk and recommended credit lines.

EDUCATION

Master of Business Administration, concentration in Finance/International Business from The Claremont Graduate University, January 1986. Completed both concentrations in one year and a half and achieved 3.2 G.P.A. while working full-time.

Bachelor of Science, major in Business Administration (Finance) and minor in Economics from California State University, Northridge, January 1983. Completed undergraduate program in 2 years and a half while working full-time.

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