Tony Velasquez

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

Dyer, IN *****

Cell Phone: 219-***-****

E-mail: acxdex@r.postjobfree.com

Profile

Seasoned thirty year professional in commercial underwriting and Credit Management. Demonstrated ability to analyze financial and related data in order to determine a credit decision. Strong accounting skills as evidenced by passing the CPA exam in 1988. A dependable team player that relates wells and works co-operatively with diverse personalities. Proficient utilization of Excel, Word, FAMAS, Baker Hill, Web Equity and Credit Quest. Excellent interpersonal and communication skills with ability to work independently and meet deadlines.

Professional Experience

Credit & Portfolio Manager

Royal Savings Bank, Chicago, Illinois 2016 - present

Manage two credit analysts and special asset manager.

Review credit presentations prepared by credit analysts.

Experienced at identifying actual borrower needs derived from examining business financial statements offering recommendations to commercial lenders to enhance the credit structure.

Analyze personal and business tax returns of commercial real estate borrowers to determine subject and global cash flow to arrive at debt service coverage ratio.

Analyze financial statements and corporate tax returns of commercial and industrial entities interpreting business operating trends, leverage, liquidity and cash flow assessing borrower’s credit worthiness.

Present presentations to loan committee recommending credit risk rating and credit approval or declination.

Review and approve risk rating on annual reviews as part of portfolio management group.

Provide support to commercial lenders discussing accounting and credit issues with bank customers and their accountants.

Prepare appraisal reviews.

Obtain closing documents from borrowers.

Structure workout credits.

Call on bank clients either with loan officer or on my own regarding their financial position.

Senior Underwriter

Urban Partnership Bank, Chicago, Illinois 2012 - 2016

Analyze financial statements and corporate tax returns of commercial and industrial entities to interpret business operating trends, leverage, liquidity and cash flow assessing borrower’s credit worthiness.

Prepare loan presentation to arrive at a credit decision.

Prepare annual reviews for portfolio management.

Experienced at identifying actual borrower needs derived from examining business financial statements offering recommendations to commercial lenders to enhance the credit structure.

Provide support to commercial lenders discussing accounting and credit issues with bank customers and their accountants.

Structure workout credits

Call on bank clients either with loan officer or on my own regarding their financial position

Senior Credit Analyst

Bank Financial, Burr Ridge, Illinois 2007 - 2012

Analyze financial statements and corporate tax returns of commercial and industrial entities to interpret business operating trends, leverage, liquidity and cash flow assessing borrower’s credit worthiness.

Underwrite multi-family, mixed use and commercial real estate loan transactions by analyzing leases, rent rolls, operating statements, environmental reports, appraisals, title policies and other related data.

Experienced at underwriting SBA loans.

Prepare loan presentation to arrive at a credit decision.

Experienced at identifying actual borrower needs derived from examining business financial statements offering recommendations to commercial lenders to enhance the credit structure.

Provide support to commercial lenders discussing accounting and credit issues with bank customers and their accountants.

Prepare appraisal reviews

Involved in training junior analysts

Assist in hiring junior credit analysts

Credit Manager

Horizon Bank, Michigan City, Indiana 2005 to 2006

Managed four commercial credit analysts

Responsible for underwriting the bank’s most complex commercial & industrial and commercial real estate credits typically between $250,000 and $10,000,000.

Provide support to commercial lenders calling on clients and their accountants and lawyers to discuss accounting and credit issues.

Responsible for training junior credit analysts.

Informed commercial lenders of credit decisions, making recommendations to enhance the credit structure as necessary.

Oversee and manage commercial appraisal reviews.

Hire credit analysts.

Vice President – Senior Credit Analyst

Harris Bank & Trust, Chicago, Illinois 1997 to 2005

Mentor and periodically reviewed the work of four commercial junior credit analysts

Responsible for analysis of complex credits typically between $250,000 and $1,200,000.

One of original four-member analyst team to implement ECM (Enterprise Credit Manager) consumer credit scoring software adapted to commercial lending.

Trained management trainee group in credit analysis

Informed Senior Management regarding relevant portfolio management issues

Review Credit Files to ensure that they conform to policies and guidelines

Informed commercial lenders of credit decisions, making recommendations to enhance the credit structure as necessary

Received formal credit training.

Vice President – Credit Administration

Mercantile National Bank, Hammond Indiana 1981 to 1997

Managed Loan Review and Credit staff of six for eleven years from 1986 to 1997

Acted as liaison between the bank and bank regulators

Participated in due diligence projects regarding the purchase of banks

Established Loan Review department

Established and implemented credit risk rating system

Determined the bank’s Loan loss Reserve on a monthly basis

Responsible for underwriting the bank’s most complex commercial & industrial and commercial real estate credits typically $250,000 to $10,000,000.

Identified and determined the consumer, commercial and real estate loan charge-offs

Trained staff

Consistently met loan review monthly deadline for eleven years

Prior Experience included:

Assistant Vice President – Credit Analyst

Mercantile National Bank, Hammond, IN, 1983-1987

Management Trainee – Assistant Branch Manager Mercantile National Bank, Hammond IN, 1981-1983

Education

BS in Finance, Indiana University, Bloomington, IN

Accounting Coursework, Purdue University – Calumet, Hammond IN

Passed CPA Exam

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