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Credit Officer II

Miami, FL, 33174
November 18, 2009

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Credit underwriting position utilizing my experience and knowledge in commercial/real estate lending to underwrite credit sourced from Relationship Managers as well as manage, monitor, and ensure that the loan portfolios adhere to Credit Policy.


September 2008- Present Ocean Bank Miami, FL

Credit Officer II, A.V.P.

Perform commercial credit underwritings [new/existing credit facilities], assesses credit risk, and issues recommendations about credit proposals to be reviewed by the Credit Manager and/or Chief Credit Officer and subsequently present to Credit Committee.

Analyze borrower’s business, method of operation, operating environment, financial condition, operating performance and outlook perspectives in performance of credit underwriting to determine borrower’s repayment ability.

Manage and perform required monitoring [overdrafts, past dues, and credit polity exceptions] of portfolio of commercial credit relationship and ensure that portfolio is in compliance with the Bank’s lending policies and procedures; Work with related departments within the organization in the preparation and review of legal documents required to fund/renewal credit facilities.

June 2006 – September 2008 Ocean Bank Miami, FL

Assistant Credit Manager, A.V.P.

Supervised and trained twelve Analyst, discussed employee’s progress/issues with Credit Manager, assisted in the preparation of performance evaluations, and supervised in its entirely the Credit Analysis Department in the absence of the Credit Analysis Manager.

Assigned and reviewed loans greater than $250M to ensure loans were structured within the banks policy and repayment was calculated accurately by Analyst.

Attended Loan Committee [Secretary] and prepared minutes and approval of loans exceeding $1MM.

January 2006 - June 2006 Ocean Bank Miami, FL

Senior Credit Analyst

Analyzed complex credit analysis for various types of loans [including construction, condo conversion, and participation loans], performed global cash flows, and assisted analysts in researching/reviewing market studies utilizing REIS and CoStar.

Reviewed Credit Analyst I and II loans, trained new hires and interns, assisted Credit Administration with quarterly reports related to high loan to values and stress testing.

Provided assistance to the Credit Analysis Manager and the Assistant Credit Manager in the preparation of the Directors books to present at laon committee.


2001–2005 Florida International University Miami, FL

Bachelor of Science in Business Administration

Major: Finance

Graduated Cum Laude



Inroads Mentor, Ocean Bank

Golden Key National Honor Society

National Society of Collegiate Scholars (NSCS), National Honor Society

Miami Children Home Society, Volunteer

Relay for Life, Volunteer


Proficient in Microsoft word, excel, power point, and outlook

REIS & CoStar [research/review market]

Baker Hill/Statement Analyzer [Spread corporate/personal financial statements]

Jack Henry

Dun & Bradstreet


8830 WEST FLAGLER STREET #10• MIAMI, FL, 33174 • PHONE 786-***-****


Available upon request

Contact this candidate