Experience

Capital Crossing Servicing Company LLC

• United States
• Financial Services
• 1 - 100 Employee

• Vice President / Relationship Officer at Capital Crossing Servicing Company LLC

  • Feb 2016 - Present

  San Juan, Puerto Rico Portfolio management of non-performing commercial loans and real estate assets

• Associate Vice President / Relationship Officer

  • Nov 2016 - Present

  San Juan, Puerto Rico - Portfolio management of non-performing commercial loans and real estate assets. - Supervise appropriate collection efforts, legal action, foreclosure process, litigation, bankruptcy procedures, post foreclosure procedures and collateral liquidation of assigned portfolio. - Structure, valuate and negotiate potential settlement transactions of non-performing loans. -Develop business plans to delineate the best exit strategy for each asset, ensuring maximum collection within the… Show more - Portfolio management of non-performing commercial loans and real estate assets. - Supervise appropriate collection efforts, legal action, foreclosure process, litigation, bankruptcy procedures, post foreclosure procedures and collateral liquidation of assigned portfolio. - Structure, valuate and negotiate potential settlement transactions of non-performing loans. -Develop business plans to delineate the best exit strategy for each asset, ensuring maximum collection within the established timeline and achieving the maximum recovery value. - Analyze and present loan workout proposals for investor’s approval, which includes complete financial analysis and collateral valuation. - Settlement transaction management and closing. - Assist in the review of legal agreements. Closely work with internal and external counsels ensuring that legal documents are prepared correctly.



Caribbean Property Group / PR Asset Portfolio International, LLC

• Associate Vice President / Asset Manager

  • Mar 2013 - Feb 2016

  San Juan, Puerto Rico - Portfolio management of non-performing commercial loans and real estate assets. - Supervise appropriate collection efforts, legal action, foreclosure process, litigation, bankruptcy procedures, post foreclosure procedures and collateral liquidation of assigned portfolio. - Structure, valuate and negotiate potential settlement transactions of non-performing loans. - Develop business plans to delineate the best exit strategy for each asset, ensuring maximum collection within the… Show more - Portfolio management of non-performing commercial loans and real estate assets. - Supervise appropriate collection efforts, legal action, foreclosure process, litigation, bankruptcy procedures, post foreclosure procedures and collateral liquidation of assigned portfolio. - Structure, valuate and negotiate potential settlement transactions of non-performing loans. - Develop business plans to delineate the best exit strategy for each asset, ensuring maximum collection within the established timeline and achieving the maximum recovery value. - Analyze and present loan workout proposals for investor’s approval, which includes complete financial analysis and collateral valuation. - Settlement transaction management and closing. - Establish value, budget and initial list price of foreclosed properties. - Assist in the review of legal agreements. Closely work with internal and external counsels ensuring that legal documents are prepared correctly. Show less



Bayview Loan Servicing, LLC

• United States
• Financial Services
• 200 - 300 Employee

• Asset Manager

  • Jul 2012 - Feb 2013

  San Juan, Puerto Rico - Portfolio management of performing commercial loans. - Monitor loans with holdback agreements for enforcement of documents and covenants. - Negotiate and prepare short term maturity extensions. Collection of escrow fund shortages. - Monitor performing loans for insurance default and receipt for payment of taxes as needed. - Underwriting of borrower requests with emphasis on financial status, debt to income ratio and debt service ratio.



Modern Trends, Inc.

• Founder and President

  • Aug 2009 - Jun 2012

  San Juan, Puerto Rico - Owner of furniture store.



Popular

• United States
• Banking
• 700 & Above Employee

• Auxiliary Vice President - Commercial Credit Officer

  • Oct 2000 - Jul 2009

  San Juan, Puerto Rico - Approve loans within specified limits, and refer loan applications outside those limits to management for approval. - Review of commercial line of credits and term loans. - Obtain and compile copies of loan applicant's credit histories, corporate financial statements, and other financial information to review and make commercial decision on credit applications. - Prepared Financial Statements Analysis. - Overview the financial statement condition to a credit decision. -… Show more - Approve loans within specified limits, and refer loan applications outside those limits to management for approval. - Review of commercial line of credits and term loans. - Obtain and compile copies of loan applicant's credit histories, corporate financial statements, and other financial information to review and make commercial decision on credit applications. - Prepared Financial Statements Analysis. - Overview the financial statement condition to a credit decision. - Increase SBA portfolio as well as bank portfolio. - Minimized delinquency and non-accruing portfolio. - Schedule loan closing dates in coordination with all involved parties while maintaining communication between staff, borrowers and attorneys. - Prepare closing packages, including checklist, and disbursement request and funding directions. Show less