Experience

Mercantil Bank

• United States
• Financial Services
• 200 - 300 Employee

• Credit Analyst

  • Oct 2015 - Present

  • Spread financial statements and prepare comprehensive financial analysis on the creditworthiness of the borrower. • Measure the financial condition and operating performance of the small business and retail business units. • Provide an assessment of risk factors associated with small business, retail working capital facilities, single-tenant owner-occupied, and also income producing real estate loans in accordance with the Bank’s credit policy, make recommendations and adequately… Show more • Spread financial statements and prepare comprehensive financial analysis on the creditworthiness of the borrower. • Measure the financial condition and operating performance of the small business and retail business units. • Provide an assessment of risk factors associated with small business, retail working capital facilities, single-tenant owner-occupied, and also income producing real estate loans in accordance with the Bank’s credit policy, make recommendations and adequately assess the repayment risk or aggregate exposure in the proposed facilities. • Meet established turn times per week with a high degree of accuracy in terms of credit risk assessment. • Interact with loan officers to enhance the quality of information required for underwriting purposes. • Prepare power point presentations to loan committee.

• Certified Credit Professional

  • Mar 2015 - Oct 2015

  • Financial Accounting for Lenders. • Small Business Lending Decision Process. • Understanding Personal Cash Flow. • Credit Analysis Renewal. • Credit Analysis Full Write Up. • Credit Analysis Presentation.

• Special Assets Collection Specialist II

  • Jul 2013 - Mar 2015

  • Collected on residential and consumer loans that are 90+ days past due. • Responsible for international credit card collections that are 30+days past due. • In charge of processing credit card charge off at 180+ days past due after all collection efforts have been exhausted. • Analyzed collection scenarios to meet with debtors to discuss payment, extension and forbearance agreements. • Worked directly with legal counsel to issue demand letters, judgments, agreements… Show more • Collected on residential and consumer loans that are 90+ days past due. • Responsible for international credit card collections that are 30+days past due. • In charge of processing credit card charge off at 180+ days past due after all collection efforts have been exhausted. • Analyzed collection scenarios to meet with debtors to discuss payment, extension and forbearance agreements. • Worked directly with legal counsel to issue demand letters, judgments, agreements, property sales, etc. • Coordinated appraisal reports and appraisal review requests. • Requested loans to be fully or partially charged off based on appraisal values. • Recommended loans to be written off after collection efforts have been exhausted. • Responsible for quarterly MCNA minutes and presentations to Management. • Updated KYC’s when necessary. • Monitored that properties are properties are properly insured and RE Taxes are current. • Reviewed MCB’s HELOC and HELOAN maturity date to assess value and determine risk. • Prepared CAR’s on a quarterly basis.

• Special Assets Portfolio Management Specialist

  • Nov 2012 - Jul 2013

  • Contacted commercial clients for resolution of delinquent loans from 90+ days past-due. • Scheduled meeting with borrowers to evaluate workout scenarios. • Proposed payment scenarios to arrange forbearance agreements when applicable. • Conducted analysis on a case by case scenario to determine if legal action had to be initiated and also engage legal counsel. • Monitored legal process and attend hearings and mediation when necessary. • Analyzed collateral value and borrower’s… Show more • Contacted commercial clients for resolution of delinquent loans from 90+ days past-due. • Scheduled meeting with borrowers to evaluate workout scenarios. • Proposed payment scenarios to arrange forbearance agreements when applicable. • Conducted analysis on a case by case scenario to determine if legal action had to be initiated and also engage legal counsel. • Monitored legal process and attend hearings and mediation when necessary. • Analyzed collateral value and borrower’s financial position to proceed with foreclosure process, final summary judgment, or write off. • Inspected properties on a regular basis to monitor asset condition. • In charged of the process of filing the 1099-A and 1099-C to the IRS. • Executed memos to upgrade and transfer loans to the line in agreement with Loan Review. • Responsible to order appraisals, maintain adequate insurance, and pay RE Taxes. • Prepared CAR’s on a quarterly basis.

• CRE Special Assets Coordinator

  • Jun 2010 - Nov 2012

  • Responsible to conduct memos to transfer properties to OREO. • Worked directly with Property Managers, Receivers, and Attorneys to manage Bank owned assets. • In charge of preparing quarterly MCNA minutes and presentations to Management. • Met with potential buyer and executed confidentiality agreements to assist on the selling bank owned properties. • Prepared memos to request EC approval for Asset Sale, including analysis to assess a “Hold” vs. “Sell” scenario. • Reviewed and… Show more • Responsible to conduct memos to transfer properties to OREO. • Worked directly with Property Managers, Receivers, and Attorneys to manage Bank owned assets. • In charge of preparing quarterly MCNA minutes and presentations to Management. • Met with potential buyer and executed confidentiality agreements to assist on the selling bank owned properties. • Prepared memos to request EC approval for Asset Sale, including analysis to assess a “Hold” vs. “Sell” scenario. • Reviewed and analyzed real estate taxes, insurance, city code violations, liens, and HOA fees to issue payments when applicable. • In charged of the process of filing the 1099-A to the IRS. • Requested appraisal reports and appraisal reviews to determine current property values. • Supervised OREO files cited for review by Internal Audit and PWC Audit. • Monitored process to insure bank owned properties according to Operational Risk policy.

• Administrative Assistant Special Assets

  • Feb 2009 - Jun 2010

  • Provided daily support to Special Asset Officers. • Tracked and updated legal fees, RE Taxes database. • Assisted SAD Manager on the CAR and charge-off process. • Supported SAD Manager with the updating of files for Internal Audit and PWC Audit. • Created, Organized, and updated SAD files.

• Administrative Assistant CRE

  • Sep 2007 - Feb 2009

  • Handled day to day servicing on all aspects of commercial loan portfolio as required including payments, advances, reporting, loan setup and customer service. • Monitored and maintained Tax Escrow, Hazard and Flood insurance for collateralized loans in conjunction with outside servicers. • Reviewed loan closing documentation prior to closing for accuracy and content. • Organized, updated and maintained credit files. • Requested financial statements, tax returns, credit… Show more • Handled day to day servicing on all aspects of commercial loan portfolio as required including payments, advances, reporting, loan setup and customer service. • Monitored and maintained Tax Escrow, Hazard and Flood insurance for collateralized loans in conjunction with outside servicers. • Reviewed loan closing documentation prior to closing for accuracy and content. • Organized, updated and maintained credit files. • Requested financial statements, tax returns, credit reports, flood certifications, UCC's etc. • Updated KYC’s, responded BSA’s, and completed SAR’s when necessary.

• Sales Service Representative - International and Domestic

  • Aug 2005 - Sep 2007

  • Acquired, retained, and expanded personal and commercial depository and lending relationships through direct customer contact, prospecting, and via referrals. • Provided customer service to potential and existing personal banking international and commercial international clients. • Accountable for adhering to compliance regulations by updating KYC’s, responding BSA’s, and completing SAR’s when necessary. • Responsible for meeting sales goals for consumer loans, residential loans… Show more • Acquired, retained, and expanded personal and commercial depository and lending relationships through direct customer contact, prospecting, and via referrals. • Provided customer service to potential and existing personal banking international and commercial international clients. • Accountable for adhering to compliance regulations by updating KYC’s, responding BSA’s, and completing SAR’s when necessary. • Responsible for meeting sales goals for consumer loans, residential loans, deposits, and investments set by Department Manager. • Assisted Branch Manager with branch operations, internal audits, action plans, and special projects to improve overall productivity.



Center for International Business

• Marketing Assistant

  • Jul 2004 - Aug 2005

  Weston, Florida



Banco del Caribe

• Business Analyst

  • 2002 - 2004

  Maracaibo, Venezuela



Mercantil Banco

• Venezuela
• Banking
• 700 & Above Employee

• Corporate Products Liaison

  • 1998 - 2002

  Maracaibo, Venezuela