PROFILE: Loan Officer Experience in finance from asset management, risk assessment, servicing, underwriting, and financial reporting. A business developer successful in deriving new revenue from multiple sources including network referrals, existing accounts, cold calling, and service inquiries. Fluent in Spanish.

EXPERIENCE:

5/2014– Present Preferred Bank Houston, TX

AVP Lender

Developing a referral network, and managing and servicing a $30MM portfolio of construction loans and $10MM consumer owner construction loans.

Responsible for reviewing/analyzing financial statements, risk grading, addressing industry risks, collateral requirements, loan structuring, credit analysis, and preparation of loan presentations.

Keeps informed of financial and market trends and analyzes those trends for the effect they have on the portfolio.

3/2011– 5/2014 FSA/Department of Justice Houston, TX

Records/Examiner Analyst

Conducted extensive research in identifying assets belonging to targets of investigation. Analyzed and reviewed financial data, title, loan, BSA (CTRs/8300/etc.) records. Identify sources of income and application of funds. Prepared and executed subpoenas to businesses.

Used Lexis/Nexis, Clear, FinCEN, government, and other open-source databases on a daily basis to obtained specific information for investigative cases. Use I2 Analysis software for creating charts and timelines.

Relayed information to Agents, Supervisors, U.S. District Attorneys on investigative findings, and prepared summary reports. Other duties were assigned.

01/2011– 3/2011 (Temp) BestAssets Houston, TX

REO Asset Manager

Managed and coordinated the disposition of 550 real estate owned (REO) properties from acquisition to closing.

Built and maintained effective relationships with vendors, real estate brokers and closing agents.

04/2010–12/2010 Unemployed / Contract Work / Realtor Houston, TX

05/2007– 04/2010 North Houston Bank Houston, TX

Portfolio / Financial Analyst

Managed commercial portfolio consisting of various levels of risky loans valued over $100 million. Provided risk classification assessments on select high-risk loans ranging from criticized, classified, and non-performing.

Analyzed risk assessment reports: financial statements, credit/collateral exceptions, watch list loans, collateral valuations, and reviewed credit/loan agreements for compliance.

Managed Real Estate Owned (REO) asset portfolio from foreclosure to property sale.

7/2006 – 5/2007 Litton Loan Servicing Houston, TX

Commercial Servicing Analyst

Prepared daily and monthly reports for the Servicing Manager and Master-Servicer such as: delinquency, first payment default, and watch-list. Assisted the Portfolio Manager by monitoring and analyzing performances of assigned commercial real estate and CMBS portfolios.

Reviewed lease agreements, entity documents, analyzed financial statements, appraisals, and any other special real estate transactions. Provided pro-active customer service and problem resolution to Borrowers and Master-Servicer.

Analyzed financial statements, and underwriting for assumptions and/ or modifications in a fast paced and high volume environment.

12/2004 – 7/2006 Citibank TX, N.A. (f.k.a. First American Bank, SSB) Houston, TX

Commercial Servicing Officer II

Proficient from origination, closing, and funding for business lines, commercial real estate, and oil & gas loans.

Serviced and reviewed collateral valuation, loan contracts, and entity structures.

Also handled participated/syndicated loans, letters of credit, accounts reconciliation, UCC filings, and analyzed financial statements. Monitored and analyzed cash transactions on business accounts.

EDUCATION:

University of Houston, Downtown - Bachelor of Business Administration in Finance (Fall 2003)

Licensed Real Estate Professional as of 2004

Enrolled in Commercial Credit Certificate Program at University of Houston, Downtown (Fall 2016)

SKILLS:

Proficient in Microsoft Office Package (Excel, Word, Access, & Outlook) & windows operating systems, I2 Notebook Analysis software, commercial and government databases (NADDIS, NLETS), FiServ (Cleartouch) and minor experience in Sageworks and SQL.

Contact this candidate