Manager Sales

HERBERT R. OCHOA

*** *** ***** ***** *** Rochelle, NY 10801

973-***-**** *********@*******.***

SENIOR FINANCIAL SERVICES & RISK MANAGEMENT

EXECUTIVE

Credit Trained by the Bank of New York Portfolio Management & Risk Assessment Fluent in Spanish

Accomplished, dedicated, and highly ethical Financial Services Executive and Global Shared Services Expert

with more than 20 years of continually progressive experience in senior-level finance roles. Excels at managing

multi-million dollar loan portfolios, as well as the credit reviews of distinct loan portfolios. Dynamic

communicator, recognized for cultivating long-term professional relationships and d riving global standards and

effectiveness for high-performance financial teams.

AREAS OF EXPERTISE

Financial Leadership & Vision ● Loan Portfolio Management ● Debt Restructuring

Loan Loss Reserve Methodology ● FDIC & OCC Regulatory Guidelines ● Loan Workouts

Risk Assessment ● Marketing Strategy ● Negotiations & Presentations

PROFESSIONAL EXPERIENCE

FIRST NIAGARA BANK, New Haven, CT Mar. 2012 to Present

Vice President Special Assets

• Successfully oversees the comprehensive credit review of a loan portfolio, which consists of SBA

loans, Multi-Family, CRE, C&I, and participation loans throughout New York, Connecticut, and

Massachusetts.

• Conducts credit reviews and extend matured term loans and lines of credit in order to assign the proper

credit risk rating.

• Ensures proactive follow up of Small Business Administration (SBA) submissions related to the

repayment of SBA loan guarantees.

Key Contributions

• Minimized both non-performing facilities and criticized loans by $20M through a blend of loan sales

and restructuring.

• Produces fee income through a combination of loan extensions, prepayments, forbearance, and

modification agreements.

• Seamlessly negotiates note sales and exit strategies, which have minimized the bank’s exposure and

charge offs.

BPD INTERNATIONAL BANK, New York, NY Nov. 2010 to

Jan. 2012

Vice President Special Assets

• Effectively managed a $188M loan portfolio consisting of performing, classified, and criticized

facilities based in New York and Florida.

• Collaborated with the Risk Management division in preparation for the OCC’s Safety and Soundness

regulatory examinations.

• Produced reports to the Credit Committee and Board of Directors that detailed the loan portfolio.

Key Contributions

• Led the recovery of $2.3M in charge offs, restructures and the negotiation of forbearance agreements

and modified loans.

• Produced more than $200k in fee income through a combination of forbearance agreements, loan

covenants defaults, and restructuring on CRE and Multi-Family loans in New York in Florida.

• Reduced overall loan delinquency from 12% to 3% via short sales, note sales, and foreclosures, which

was highlighted by the sale and disposition of the $20M OREO facilities through brokers including

Massey Knakal, Colliers International, Eastern Consolidated, Ariel Property Advisors, and Newmark

Grubb Knight Frank (NGKF).

HERBERT R. OCHOA, PAGE 2

973-***-**** *********@*******.***

PROFESSIONAL EXPERIENCE (CONTINUED)

COUNTRY BANK, New York, NY Jun. 2009 to Nov. 2010

Portfolio Manager

• Diligently oversaw the credit quality of a $250M loan portfolio, which included responsibility for

restructuring $25M in non-performing loans.

Key Contributions

• Recognized for generating $100k in fee income through a combination of restructures, loan extensions,

and renewal of mature loans and lines of credits.

EARLIER CAREER

FIRST BANKAMERICANO, Elizabeth, NJ Sep. 2007 to Mar. 2009

Vice President & Portfolio Manager

HUDSON VALLEY BANK, Yonkers, NY Dec.

2001 to Sep. 2007

Portfolio Manager/Relationship Manager

THE BANK OF NEW YORK, Riverside, CT Jun. 1986

to 2001

Portfolio Manager/Loan Workout Officer

EDUCATION & PROFESSIONAL CREDENTIALS

• Bachelor of Arts in Political Science, Minor in Psychology, Manhattanville College, Purchase, NY

Training & Professional Development

• First Niagara Bank: Trouble Debt Restructure Impairment Analysis, SBA Workouts, Deferments,

Extensions & Reinstatements Training

• Risk Management Association: UCA Cash Flow Analysis I & II; Real Estate Developer Financial

Statement Analysis; Detecting Problem Loans, Problem Loan Workouts, and Problem Real Estate

Loans Training

• Hudson Valley Bank: BSA, Focus on Compliance, and Lending to Non-Profit Organizations.Training

• The Bank of New York: Corporate Credit Training Program and Anti-Money Laundering Training

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