Senior Credit Analyst

PATSY LECHUGA

**** **** ******, ******, ** ***** (C) 915-***-**** *********@*****.***

Professional Summary

Experienced Commercial Credit Analyst skilled in credit analysis for all types of institutions. Proven experience in assessment of credit worthiness and wide background in financial statement analysis, ratio analysis and cash flow analysis.

Education

BBA: Accounting 2004

University of Texas at El Paso El Paso, TX

Skills

MS Suite R/E Due Diligence & Loan Documentation

Financial Statement Spreading & Analysis Strong Teamwork

Financial Ratio Analysis Analytical Thinking

Commercial Bureaus Interpretation Written and Verbal Communication Skills

Work History

Business Analyst III (Contract, Collabera, Inc.) Feb 2017 - May 2017 Bank of America Richardson, TX

Minimized bank risk by conducting due diligence on the legal and financial background on existing Commercial Real Estate Loans

Ensured that all existing commercial credit files were well organized and updated with current financials and other documentation required in the loan agreement and in accordance with defined bank loan policy and procedure

Credit Analyst (Contract, RadResources, Inc.) Aug 2015 – Nov 2015

One World Bank Dallas, TX

Responsible for Special Assets Reporting

Spread financial statements of borrowing entities and performed analysis of the company and related guarantors and principals, analyzed cash flow capacity, ratio analysis and assessed the adequacy of credit relevant to the repayment capacity and value of collateral

Completed credit analyses and summaries of loan requests and submitted to loan committee for approval

Credit Officer Jul 2014 - Aug 2015

Citigroup Irving, TX

Performed in-depth commercial and consumer bureau analysis in addition to utilizing internal and external financial resources to underwrite new credit requests with exposures <=100M

Ability to read and interpret commercial credit bureaus to include D&B, Experian and Equifax

Maintained and managed client relationships on a progressive portfolio of established credit lines for existing accounts

Credit Risk Analyst (Contract, Express Staffing Professionals) Apr 2013 - Jul 2013

Town North Bank Dallas, TX

Extracted financial information from the bank's core processing systems

Prepared global cash flow, debt service analysis and statement spreads for a rotating case load of 200+ commercial and industrial customers

Performed all key ratios to determine borrower/project strength and compliance with credit policy and procedure Identified strengths and weaknesses and potential risks associated with the proposed credit and made recommendations

Senior Credit Analyst (Relocated to DFW) Nov 2008 - Jul 2012

United Bank-El Paso Del Norte El Paso, TX

Spread financial statements, calculated repayment ability, structured and completed credit write-up and presentation for submission to the Board of Directors for approval Analyzed collateral adequacy with respect to credit structure and type of loan Assisted with internal reviews of real estate appraisals and ordering external appraisal reviews Performed analytical review and grading of new loan relationships within the Bank’s portfolio

Loan Officer Apr 2007 - Nov 2008

City Bank of El Paso El Paso, TX Analyzed current credit and financial data of loan applicants to evaluate the lending risk Assessed and/or recommended approval of Real Estate Loans Advised clients on all types of loan products and loans that best matched the client’s financial status Helped delinquent borrowers with successful repayment of their debt

Staff Accountant Apr 1999 - Apr 2007

Petro Stopping Centers El Paso, TX

Prepared and compiled daily procedures for month-end closing and financial statement reporting Compiled, prepared and posted monthly journal entries for national profit centers Reconciled and analyzed Corporate Master Bank Accounts Responsible for reconciliation of credit card activity for 50 truckstop locations

Languages

Fluent in Spanish

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