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Ariel J. Quintana ad1z00@r.postjobfree.com • https://www.linkedin.com/in/ariel-j-quintana

Miami, FL • 786-***-****

Summary

Senior Credit Analyst

Accomplished, dynamic, and forward-focused Senior Credit Analyst with a strong background in credit underwriting for CRE, C&I, ABL lending, merchant processing, and special asset management. Proven track record in financial analysis, risk assessment, and credit evaluation. Analytical and detail-oriented leader with expertise in credit and cash flow analysis and experience in underwriting small business exposure and medium to large- structured deals. Well-versed in bank policies, procedures, and compliance requirements, with a deep knowledge of accounting and financial ratios analysis. Highly value the importance of work ethic, supportive teamwork, and internal and external customer service. Leverage excellent communication and interpersonal skills to build productive partnerships with internal and external stakeholders. Tech-savvy with proficiency in utilizing Moody's Risk Analyst, Experian, LexisNexis, TransUnion, Equifax, and D&B reports, along with Salesforce CRM and advanced Microsoft Office tools. Bilingual in English and Spanish, with a basic understanding of Brazilian Portuguese. Areas of Expertise

• ABL Lending

• Financial Analysis

• C&I Analysis

• Customer Service

• Bank Policies

• Credit Underwriting

• Risk Management

• Compliance Requirements

• Data Analysis

• Merchant Processing

• Special Asset Management

• Commercial Real Estate

Career Experience

Cognizant Technology Solutions, Corp., (Remote) Sep 2022 – Nov 2023 Senior Credit Risk Analyst

As Senior Credit Analyst, trained a team of sixteen credit professionals in risk quantification, risk rating assignment, and merchant risk assessment for a global and diverse portfolio involving merchants varied in size, industry, ownership structure, and location. Conducted in-depth financial statement analysis, calculating key ratios such as profitability, liquidity, cash flow, leverage, and solvency. Additionally, as Team Leader of eight Electronic Data Interchange (EDI) Analysts, coordinated workflow, assigned priorities, and generated reports to measure KPIs, SLA compliance, and productivity, and identified opportunities for quality improvement and team development.

● Enhanced efficiency by streamlining financial statement analysis through the implementation of an advanced review template, resulting in a 10% reduction in preparation time.

● Led the training of a group of 16 credit professionals, equipping team with expertise in assessing and managing credit risk for a diverse, international vendor portfolio exceeding $1B in annual merchant processing value.

● Optimized processes for evaluating credit history and reputational risk through examination of company websites, social media, credit agency reports, D&B, Moody's, LexisNexis, and Department of State websites.

● Identified and addressed process bottlenecks by conducting root cause analyses leading to a significant decrease in out-of-service-level agreement files from 85% to 5% within a 3-month timeframe.

● Achieved an 80% reduction in the number of EDI health insurance files, falling below quality review standards.

● Increased productivity by elevating the number of monthly completed EDI health insurance files by 30%. Fiserv, Inc., National Account Underwriting Team, Coral Springs, FL May 2016 – Jul 2022 Senior Credit Risk Analyst

Provided expert analysis for National Account Underwriting team at Fiserv, Inc., specializing in Commercial and Industrial

(C&I) risks amounting from $200K to $100M+. Formulated recommendations for approval, risk rating, count & value limits, and implementation of risk mitigation measures. Evaluated risk factors such as client industry, business model, and delivery schedules to assess the level of risk associated with each merchant. Collaborated with client principals and sales officers to identify areas of concern and potential sources of additional support. Assessed creditworthiness of clients based on financial profiles, industry performance, and market conditions. Conducted regular portfolio reviews, monitoring merchant account activity, financial stability, and industry and macroeconomic trends.

● Assessed commercial and industrial risk exposure for merchant accounts, underwriting amounts reaching $1B, maintaining a 98% clean credit approval record, which encompassed major national retailers.

● Executed regular credit and risk assessments for a portfolio of 350+ accounts, with exposure surpassing $3B, involving continuous monitoring of merchants' financial status and industry and processing trends.

● Developed and implemented strategies to mitigate risks and ensure the overall health of the portfolio. Credit Policy Development Consulting, Miami, FL Jan 2016 – May 2016 Freelance Credit Policy Consultant

Provided consulting services to an international bank, with $5B in assets, entering the U.S. commercial real estate lending market.

● Crafted credit policy and procedures manuals.

● Delivered freelance underwriting services for CRE and C&I lending. First National Bank of South Miami, South Miami, FL Apr 2013 – Nov 2015 Credit Officer/Credit Analyst

Conducted underwriting for a diverse range of commercial real estate loans, including C&I, owner-occupied, income- producing properties (multifamily, retail, office, warehouse, mixed-use), asset-based lending (ABL), and select construction loans. Created credit write-ups encompassing client profiles, ownership structures, request viability, and associated risks. Evaluated client creditworthiness through financial analysis, and character of clients and guarantors based on background checks, credit history, and references.

● Increased precision and decreased the time required for maintaining the work-in-progress tracker by 30%.

● Slashed preparation time for Criticized Assets Report by 75%, resulting in zero criticism from Examiners.

● Produced credit memoranda that analyzed credit risk, client profitability, debt serviceability, collateral, and loan- to-value ratios and furnished project and global cash flow projections.

● Examined public information sources, including Moody's, S&P, LexisNexis, BBB, and social media, while also evaluating client's industry and macroeconomic conditions.

● Collaborated with Senior Credit Officer to provide approval recommendations, risk mitigation strategies, review cycles, covenants, and risk ratings aligned with bank's risk tolerance.

● Enhanced monthly Criticized Assets Reports (CARs) template to offer justification for risk ratings, status descriptions, action plans, collateral valuations, and triggers for risk rating adjustments.

● Functioned as Secretary of the Special Asset Committee and an alternate Loan Committee Secretary.

**Additional experience as Senior Credit Analyst at The First Bank of Miami, Coral Gables, FL, Bank Officer/ Portfolio Manager at Totalbank, Miami, FL, Credit Analyst at The Bank of Miami, Coral Gables, FL, and Senior Credit Administrator at Banco Itaú Europa Int’l (formerly BANKBOSTON INT’L. a Bank of America Company), Miami, FL Education

Master of International Business

Florida International University, Miami, Florida

Bachelor of Arts in Business Management

Nova Southeastern University, Fort Lauderdale, Florida Diploma in International Banking and Certificate of General Banking American Institute of Banking, Miami, Florida

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