Víctor M. Andino Llanos

Bronx, New York *****

787-***-**** adw0y6@r.postjobfree.com

Professional Summary

With a management experience of 24 years in the banking industry, I have developed solid leadership and management skills; Seeking a Senior Level Management position to bring forth innovative ideas, an analytical approach, superior product knowledge, and organizational abilities. Remote work is preferred. Synopsis

• Excellent analytical skills, attention to detail, and strong management, organizational, and leadership skills developed in 24 years of experience in the banking industry.

• Ability to manage multiple tasks/projects and deadlines simultaneously.

• Thorough knowledge of credit policy, accounting, commercial, corporate & real estate loans analysis & international trade finance.

• Skilled at organizing complex projects, prioritizing projects, and delegating tasks.

• Tested and exceeded in a high/faster faced-pressure environment.

• Expert in Analysis, Interpretation Reviewing & Monitoring of various forms of asset collateral documentation, loan conditions & Credit Agreements.

• Expert in Trade Finances Products (Letters of Credit/Standby Letters of Credit/Collections).

• Established and maintained productive communication skills with customers, all levels of management, and fellow employees, both written and oral.

• Fully bilingual, in Spanish and English.

• Adept with computer systems, including Microsoft Office (Word, Excel & PowerPoint), Citidocs, COSMOS, CitiRisk Collateral, OFSWeb, CitiManager, STARS, GRC, Record Management, SharePoints, Citi KYC, Zoom, Cobtrac, Teams, Edealer, Lynx, Oracle Financials, Horizon, and Mortgage Loans, CLAS, IBP, Horizon, ClientHub, TradeExpress, and DataScan.

• Typing about 70 WPM

Professional Experience

Citibank N.A. Hato Rey, PR

Syndicated Loans Specialist/ Senior Analyst February 2021 to Present 50 hours worked weekly.

• Perform leadership role relevant to the build and development of the team supporting loan origination and lifecycle management which includes large complex syndicated and bilateral loans covering but not limited to corporate, commercial, real estate, structured lending, and trade.

• Create processes, standards, procedures, controls, training, and implementation of transaction management.

• Design and implement technology including testing and rollout.

• Produce and provide training and support to transaction management staff and business constituents.

• Partner with each of the originating and coverage business lines, credit risk, operations, legal, etc. to ensure the strategic vision is enabled.

• Ensure that the quality of data, controls, and processes performed meet internal policies and regulatory requirements/expectations, via staff management.

• Work with lines of business, transaction management, and loan operations to define and implement operational metrics and risk and control reviews to ensure all stakeholders have end-to-end transparency.

• Constantly improve processes, controls, and efficiencies within the group and front-to-back across the loan lifecycle.

• Lead projects to enhance performance and efficiency.

• Leadership role and serve as escalation relevant to loan remediation and loan system testing/migrations.

• Actively manage and maintain a deal-closing pipeline of loan transactions.

• Coordinate and close loan transactions/lifecycle events, capture data, store documentation, troubleshoot issues/roadblocks, and perform quality control.

• Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets, by driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct, and business practices, and escalating, managing, and reporting control issues with transparency. Citibank N.A. Hato Rey, PR

Syndicated, Commercial Loans Specialist/Senior Documentation Officer May 2019 to February 2021 50 hours worked weekly.

• Minimizes risk to the bank through a solid understanding of the Offshore loan & collateral documentation verification procedural requirements. Serving as a checker for systematic transactions as a last line of defense.

• Act as the PR point of contact for all LATAM countries in the loan documentation verification process.

• Identify, vet, and address potential risks of non-compliance with the Puerto Rico IBE KYC requirements, sanction screening, and report it to the senior management.

• Identify any deferral from the received loan documentation for tracking and follow-up with each country until resolved and report it to the senior management at least monthly for visibility.

• Support Manager, Business Unit Heads, Legal Counsel, and others regarding the conduction of internal and external audits to PR IBE especially making sure that documentation is provided in a time frame aligned with Regulatory Requirements

• Supervise the receiving, verification, registration, interpretation, and loan approval process of all Corporate and Commercial Loans, Floorplans, Warehousing Financing, Trade Finance Loans, Participated/Syndicated Loans, Government Loans, and collateral documentation, ensure that all controls were met for disbursement approval; and to make sure that any discrepancy is identified and escalated accordingly.

• Oversees and manages the Manager’s Control Assessment (MCA) program for the PR IBE RSU Documentation Unit providing solutions to reduce errors, and adhering to audit and control policies, covering all operational considerations of Offshore Loan Booking Activity.

• Report MCA Hand-Off results to the RSU Head to provide visibility of risks related to Offshore Loan O&T processes supporting the PR OTRC Unit fulfilling the goals of the O&T Risk & Control Unit.

• Ensure a set of rigorous and consistent oversight and control processes are followed within the PR IBE

• Documentation Unit concerning preparing and submitting regulatory reports. Citibank N.A. Hato Rey, PR

Syndicated & Commercial Loans Specialist & Documentation Manager April 2017 to May 2019 50 hours worked weekly.

• Supervise & verify all Demand Deposit Account (DDA) opening and maintenance documentation.

• Review and approve requests for local and international account opening, maintenance, entitlements & signer’s confirmations.

• Ensure that the DDA account documentation vault is managed correctly by supervising the DDA file creation, storage process, and adequate physical custody.

• Approve the creation of the customer’s profile, after ensuring that they meet the requirements of Know Your Customer (KYC), Client Identification Program (CIP), and verification of the Global Financial Customer Identification (GFCID).

• Supervise the receiving, verification, registration, interpretation, and loan approval process of all Corporate

& Commercial Loans, Floorplans, Warehousing Financing, Trade Finance Loans, Participated/Syndicated Loans, Government Loans, and collateral documentation, ensure that all controls were met for disbursement approval: and to make sure that any discrepancy is identified and escalated accordingly.

• Manage escalations, deferrals, and remediation, ensuring they are documented accordingly.

• Lead a monthly meeting to discuss the monitoring of the Flood Regulation (FDPA) & the monitoring of Collateral Documentation to facilitate the respective monthly reports.

• Lead the pre-closing meetings to ensure there is adequate and controlled supervision of the End-to-End corporate loans and collateral processes including identifying and escalating issues related to the pre- closing and post-closing process.

• Oversees and manages the Manager’s Control Assessment (MCA) program for the Documentation Unit covering all operational considerations of all sensible and critical procedures and controls.

• Report MCA Hand-Off results to the Documentation Unit Head to provide visibility of risks related to all critics and sensible procedures and controls.

• Supervise the local Trade Finance & Trade Services transactions, Letters of Credit, Standby letters of Credit

& Collections including receiving export/import documentation review the documents.

• Evaluate & supervise the Documentation Officers. Scotiabank Hato Rey, PR

Syndicated & Commercial Loans Specialist September 2012 to December 2016 50 hours worked weekly.

• Authorize Corporate & Commercial Loans, Floorplans, Warehousing Financing, Trade Finance Loans, Participated/Syndicated Loans, and Government Loans and establish their funding with Treasury Department.

• Approved Letters of Credit, Standby Letters of Credit, & Letters of Guarantee for flooring facilities including International Banking Entity (IBE) customers.

• Supervise the Document Services Officers in the preparation and execution of security documents in the vault custody including imports & exports documentation review (Trade Export/Import Finance).

• Expert performing (AML), (BSA), (SAR) fillings, (OFAC), (CIP & KYC), and USA Patriot Act Job duties and responsibilities.

• Review and analyze collateral documentation; create credit files and manage documents in double custody(vault).

• DDA documents verification including account opening and maintenance documentation.

• Monthly preparation of collateral reports including monitoring reports.

• Liaison with internal/external auditors and financial institutions regulators (FDIC, FDICIA, etc.). Scotiabank Hato Rey, PR

Business Analyst September 2008 to September 2012

50 hours worked weekly.

• Generate program performance measurement baselines (PMB) and implement approved changes.

• Perform analyses and prepare reports to ensure program contracts are within negotiated, agreed-upon parameters, government cost control guidelines, and accounting guidelines.

• Perform analyses and prepare program financial reports for internal and external customers relative to program cost incurrence, material tracking, and labor spending.

• Identify and mitigate program cost and schedule risk.

• Facilitate, monitor, and forecast program financing mechanisms including Accounts Receivable, Advanced Payments, and Performance Based Payments

• Support program audits, reviews, and fact-finding as requested by program customers, audit agencies, and company management.

• Work cooperatively with the business, functional, and technical staff to address internal and external customer requests.

• Review and summarize operational data and provide executive summaries with recommendations to Senior Management.

• Investigate root causes and work with cross-functional areas to provide analysis and recommendations for improvement in business operations aligned with compliance.

• Recommend cost-saving initiatives and assist leaders with implementation.

• Review, comment and follow up on customer comment reports.

• Analyze weekly/monthly reports and develop solutions to improve performance.

• Assist in audits of departments/job functions and provide suggestions and feedback. Scotiabank Hato Rey, PR

Client Portfolio Analyst / Trade Finance Officer January 20006 to September 2008 50 hours worked weekly.

• Review corporate loan documentation, conditions precedent, conditions for disbursement, Financial Reporting and Conditions, and approved disbursements.

• Issue, amendments, swifts’ notifications, and payments of Letters of Credits, Standby Letters of Credit, and Collections to be made on maturity date according to International Standby Practices (ISP98), subject to the Uniform Customers and Practices for Documentary Credits (UCP) as most recently published by The Internal Chamber of Commerce (ICC). Trade Finance Imports and Exports Instruments. OFAC & USA Patriot Act Job.

• Letter of Credits (Imports /Exports) documentation review, Drafts, Bill of lading, Invoices, Inspection Certificate, Packing list & other documents.

• Funds establishment jointly with Treasury and Finance Departments for payment process.

• Manage delinquency of the portfolio assigned (less than 10%).

• Business Relationship Assistant of floor plan portfolio & Review floor plan audits.

• Lead the Pre-Closing Meetings and coordinate the closings of customer facilities.

• Review and document portfolio reports & prepare Monthly Reconciliation of loan accounts.

• Liaison with internal/external auditors and financial institutions regulators (FDIC, FDICIA, etc.). RG Premier Bank Hato Rey, PR

Accountant / Group Leader October 2002 to December 2005 50 hours worked weekly.

• Mortgage Accounting, Loans Purchased, and Remittance of loans served by Banco Popular & Santander, prepared journal entries & adjusted entries each month.

• Reconciliation of loans accounts (Principal, Interest, Serv. Fees, Income)

• Amortization of the Mortgage Loans accounts & Analysis of Variance of accounts

• Support of the Accounts Reconciliation Section (Cash Accounts) & A/R of Mortgage Loans. Popular Mortgage / Finance Department Hato Rey, PR Supervisor July 2000 to March 2002

50 hours worked weekly.

• Supervisor of the Accounts Payable, Fixed Assets, Claims, Mortgage Accounting & Registration, and Corporate Accounting Sections.

• Project Manager of the Interface between applications: Oracle Financials and Mortgage Ware, Customer Service Strategy / Policy & Internal Controls Policy.

• Customer Service Representative.

• Evaluate and supervise eight employees.

• Reorganized the employee’s competence file, roles, and responsibilities, as a member of the Reengineering Department of the company.

• Accounting cycle of Accounts Payables, Fixed Assets, Mortgage Loans Registration,

• Approved more than 110 invoices weekly and prepared the annual report for Fixed Assets.

• Assisted suppliers by telephone regarding the invoices and other information that they request. Banco Popular / Accounts Department Rio Piedras, PR Accountant August 1998 to June 2000

50 hours worked weekly.

• Work in the accounting cycle of Accounts Payables; prepare the annual report for Fixed Assets.

• Approved cost centers, general ledgers account & invoices to be paid. Volunteer Work

Huracán Del Caribe, Non-Profit Rio Piedras, PR

Vice President, Treasurer August 2002 to Present

10 hours worked weekly from August to March each year.

• Work in the accounting cycle of Accounts Payables; update the Suppliers’ information.

• Organize a Volleyball Tournament for 26 teams including USA teams & registration process.

• Worked on the purchase order for volleyball equipment and t-shirts.

• Sign checks and all papers related to the organization and the tournament. Education

University of Puerto Rico Rio Piedras, PR

Bachelor of Business Administration, Major Accounting December 1996

• Earned a 2.60 grade point average in accounting while working part-time, being involved in a Volleyball Varsity Team and community activities: finance 75% of college through a part-time job. Pursuing a Bachelor of Business Administration, Major in International Commerce In Progress

• Twenty credits approved.

Achievements

• Honored as Best of The Best, Scotiabank Puerto Rico (2012) with Excellence as a result.

• Honored with the 2nd place Best Employee in the Administrative Section of Popular Mortgage.

• Seminars about Management, Customer Service, Courtesy in answering a telephone call, How to deal with a difficult client, Money Laundry, How to be a great leader, How to motivate an employee, etc.

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