Experience

Capital Crossing Servicing Company LLC

• United States
• Financial Services
• 1 - 100 Employee

• Operations Analyst

  • May 2015 - Present

  • Responsible for daily operation of loan servicing in order to ensure prompt and effective servicing of commercial real estate and small business loans keeping the Manager of Loan Servicing informed of the status of daily processing. • In a timely manner, responds to internal and external questions/inquiries regarding loan payments, incoming wires, loan account histories, outstanding loan bills and pay-off quotes, escrow and escrow account reserves. • Posts “Special Instruction / Exception Loan Payments” to respective borrower accounts using appropriate transaction codes and effective dates within the guidelines of the loan type. • Upon request, calculates and prepares Pay-off Quotes based upon instructions from borrowers, attorneys, title companies and Relationship Officers in in accordance with the guidelines of the loan type. • Collects and assemble required loan data for newly acquired portfolios and enter data into the Standard Loan Boarding Spreadsheet. • Investigate and resolve problems/ discrepancies for sellers, borrowers, and Relationship Officers identified during the loan boarding process. • Assists in the daily escrow process and records required escrow entries (transactions) to the reports and FIS system. • Performs other related duties or special projects as assigned within the Operations Department.



Doral Bank

• United States
• Banking
• 200 - 300 Employee

• Senior Credit Analyst- Commercial Credit Division

  • Aug 2012 - Mar 2015

  • Review and analyze Borrower’s financial information (credit reports, financial statements, tax returns, cash flow, etc.) to determine present and future financial performance. • Determine the adequacy of collateral values and confirm current LTV’s to recommend appropriate decisions within the established policy guidelines. • Prepare written credit memorandums (including repayment and collateral analysis, proper risk rating, policy exceptions and recommendation) for credit facility renewals or restructures to be presented for approval. • Prepare financial review for new and existing Vendors. Analyze POS/ACH application package and review the quantitative strengths and risks of the customer in order to establish transaction limits and recommendation. • Provide functional guidance to junior analysts in the development and credit analysis for renewed or restructure loans. • Assist with special projects and assignments such as an enhanced due diligence for $200 million non-performing assets sale during 2014-2015.



Puerto Rico Housing Finance Authority (PRHFA)

• San Juan, P.R.

• Consultant- Multifamily Housing Development and Financing Department

  • Apr 2010 - Jul 2012

  • Assist Management in the analysis and preparation of Construction Loan Applications which include: cost breakdown and cash flow analysis, Borrower’s and Guarantors’ financial statements, marketability and expected project’s acceptance, as well as all others departmental uniform forms required for the project under evaluation. • Analyze and monitor approved construction loan budgets, as well as confirm the project progress, and obtain approval from the Bank’s appointed engineer to process monthly construction disbursements. • Day to day management; including preparation of memorandums, reports, follow up meetings or communication with existing and potential clients and notification to Department’s Management of loan and/or project’s status.



R-G Premier Bank of Puerto Rico

• Credit Officer- Real Estate & Construction Lending Division

  • Jun 2007 - Apr 2010

  • Conduct a thorough and accurate analysis of financial statements, construction budgets and plans, appraisal reports and other relevant data.• Prepare cash flows and project funding summary of construction projects to determine its viability.• Structure and complete credit reviews and proposals with effective recommendations to be presented to Credit Risk Management for its approval.• Prepare and coordinate the closings of new loans, including verification of all collateral documentation and any other necessary information.

• Credit Support Officer- Real Estate & Construction Lending Division

  • Jun 2006 - Jun 2007

  • Provide effective credit support by preparing and processing loan disbursements, interest payments and credit advances.• Prepare, analyze and monitor Budget Analysis & Construction Summary (BACS), as well as confirm the project progress, and obtain approval from the Bank’s appointed engineer.• Respond promptly and effectively to requests from the client, Bank management and other Senior Bank Officers.

• Escrow Account Officer- Real Estate & Construction Lending Division

  • Sep 2002 - Jun 2006

  • Control and monitor daily transactions regarding escrow accounts from construction projects.• Send monthly reports to the Department of Consumer Affairs (DACO) from projects under construction.• Process all deposits, cancellations, transfers and repayments related to the different projects.