Experience

PNC Bank, National Association

• United States
• Banking
• 100 - 200 Employee

• Underwriter III, Vice President

  • Oct 2021 - Present



BBVA in the USA

• United States
• Banking
• 700 & Above Employee

• Credit Products Officer III

  • Apr 2021 - Oct 2021

  • Underwrote complex financial programs for Mid-Corporate loan syndications detailing finances, collateral, and cash flow. These financial programs were then present to Commercial Credit Committee for final approval by Market Credit Officers, or if needed, further review by the Executive Committee in Spain. Also reviewed legal documents prior to approval and evaluated any potential credit coverage shortfalls of the documentation.

• Credit Products Officer II

  • Jan 2017 - Apr 2021

  • Underwrote complex financial programs for Middle Market loan syndications detailing finances, collateral, and cash flow. These financial programs were then present to Commercial Credit Committee for final approval by Market Credit Officers, or if needed, further review by the Executive Committee in Spain.• Also underwrote financial programs for the Gambling, Food Franchise, and Healthcare Finance groups in amounts greater than $15 million.• Conducted additional financial analysis involving borrowing bases, covenant compliance, exceptions in credit policy, and also assisted in reviewing legal documents prior to receiving credit approval. Show less

• Credit Products Officer I

  • Oct 2014 - Jan 2017

  • Underwrote financial programs for large middle market bank syndications detailing finances, collateral, and cash flow in general C&I banking and served as a back- up for Sponsor Coverage and ABL Lending. • Presented in front of Texas Credit Committee on financial programs that met the exposure requirement to do so.• Participated in bank meetings with relationship managers on new lending opportunities

• Commercial Underwriter

  • Apr 2012 - Oct 2014

  • Underwrote loan packages detailing finances, collateral, and cash flow in amounts ranging from $100,000 - $15 million in general C&I banking with special knowledge of churches and fast food franchises• Participated in customer calls with relationship managers on new lending opportunities• Assisted with the improvement of underwriting attachments to improve the middle market underwriting process



Comerica Bank

• United States
• Banking
• 700 & Above Employee

• Credit Specialist

  • Aug 2008 - Apr 2012

  • Underwrote loan packages detailing finances, collateral, and cash flow in amounts ranging from $650,000 - $50 million including participated and syndicated structures on an asset based lending basis. • Provided industrial and regional economic data for customers’ sales area • Reported financial performance of customers and ensured loan compliance on a monthly, quarterly, and annual basis • Underwrote loan packages detailing finances, collateral, and cash flow in amounts ranging from $650,000 - $50 million including participated and syndicated structures on an asset based lending basis. • Provided industrial and regional economic data for customers’ sales area • Reported financial performance of customers and ensured loan compliance on a monthly, quarterly, and annual basis