Underwriting Consultant
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Register Candidate Alert3/2018 – Present
Certified information submitted by Small Businesses applying for SBA’s Paycheck Protection Program. Prepared annual review Credit Memorandums for Small Business Banking and SBA loans. Reviewed financial statements and tax returns spread by the credit analyst for accuracy. Created global cash flow and determined accuracy of risk rating. Upgraded or downgraded said credit depending on findings. As needed spread financial statements and tax returns on Moody’s and Buker’s Tax Analysis software programs. Underwrote small business loans and micro loans for the non-profit ranging from $5K to $300k. Underwrote multi-family and commercial real estate loans between $500k to $3MM. Spearheaded the Implementation of CASH Software for Syndicated loans, Commercial Real Estate, Private Banking, C&I, Middle Market, and Small Business Banking loans ranging from $250k to $150MM. Established procedures and created the OnTrack system by uploading Loan Agreement covenants. Performed Quality Control of the Private Banking portfolio, ensuring reporting requirements were accurately uploaded. Trained team of (2) two contractors on CRE portfolio.
5/2015 –2/2018
Conducted in-depth financial analysis of new credits and loan renewals for Commercial Loans, Commercial Real Estate Investors, Owner/User Properties and Companies with revenues under $1MM to $126MM. Advised relationship managers by providing credit and loan underwriting solutions for a diverse portfolio consisting of C&I and CRE loans, Equipment Leases, Secured and Unsecured loans, Receivable lending, Loan Participations/Syndications and SBA credits ranging from $100k to $30MM. Developed, recommended, and implemented customized credit solutions by underwriting commercial loans meeting the specific needs of the clients. Prepared credit memorandum for Board approval. Interfaced with third party Credit Review auditors. Collaborated with senior management in creating a new underwriting template for the Bank’s C&I and CRE loans and new loan programs by utilizing CASH.
9/2012 – 4/2015
Underwrote new and renewals of Commercial Real Estate, and Construction, Commercial and Industrial loans, USDA, SBA, Asset Based loans from $50k to $3MM. Performed credit review of loan portfolio in preparation for internal and external audits. Analyzed and spread tax returns, and financial statements on CASH and Moody’s software. Reviewed appraisal and environmental reports, A/R and A/P aging reports. Prepared Credit Memorandums for Senior Management approval.
12/2010 – 8/2012
Solicitated, underwrote, and managed a $35MM Commercial Real Estate portfolio, Syndications/Participations and C&I consisting of secured, unsecured Lines of credit, term loans, and construction. Performed due diligence on CRE, and C&I packages by reviewing, analyzing credits and relationships for quality, adherence to bank’s standards and policies. Determined loan amount, covenants, and prepared Credit Memorandums for approval by Senior Management. Marketed to High-Net-Worth individuals.
9/2009 – 9/2010
Examined $7B C&I and Commercial Real Estate portfolio; identified deteriorating or negative management control trends by reviewing compliance with policies, guidelines, and regulations. Risk rating validation of portfolio consisting of hotels, office, retail, multi-family, mix-use projects, land, credit enhancements, bonds, health care facilities, commercial loans and SBA loans ranging from $500k to $250MM.
4/2007 -10/2008
Contributed to a 60% increase of the Commercial Real Estate Division through solicitation, screening and closing transactions. Developed and maintained liaisons with business owners, developers, contractors, and brokers. Performed due diligence of C&I and CRE projects; analyzed financial statements, tax returns, rent rolls and operating statements. Controlled quality of $250MM portfolio by gathering financial information, tracking financial covenants, preparing Annual Reviews, and making Asset Quality recommendations.
8/2005 – 12/2006
Directed the Construction Loan Department’s 50% growth by working in concert with Senior Management and Marketing Officers. Advised customers of bank loan policies; maintained primary contact with prospective and existing clients. Managed all aspects of the $75MM Construction Loan Department; oversaw all issues associated with the construction phase. Approved disbursements, reviewed inspection reports and performed site inspections prior to closing and validating ongoing construction progress. Evaluated loan requests and data for lines of credit. Determined feasibility including construction budgets, leases, sales agreements, entity documents, environmental reports, and other pertinent loan approval documents.
Los Angeles, CA 4/2003 -7/2005
Spearheaded the Stress Test analysis of $1.1B Commercial Loans and Commercial Real Estate Portfolio. Audited commercial loans, i.e.: syndications, construction, Asset Based Loans and Small Business Loans.
Greater Los Angeles, CA 1/2002 –4/2003
Performed Cash Management activities within the portfolio and approved disbursements associated with said credits. Managed $5B Capital Markets portfolio for San Francisco, Boston, Dallas, Los Angeles, and Orange County consisting of Syndications/Correspondent Bank Relationships, Mezzanine financing, Construction loans, REITS and Derivative products such as Swaps, Collars and Floors. Underwrote, spread financial statements and tax returns for High-Net-Worth individuals comprised of CRE, Trusts, LOCs, Stock, and Insurance loans.
Los Angeles, CA 7/1995 – 9/2001
Examined the banks $2B portfolio of C&I and CRE, Construction, bond/credit enhancements, small business loans, consumer loans and equipment leases for the parent company. Presented re-engineering recommendations for effectively monitoring financial statements, market analysis and loan grades to the Credit Review committee. Monitored progress and made presentations to Senior Management regarding audit findings.
Bachelor of Arts & Business Administration and Spanish Studies
Business Alumni Association
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