Summary
Financial Analyst, Credit Analyst, Loan Officer, and Mortgage Underwriter, with BBA in Finance/International Business. Extensive experience in lending, underwriting, financial analysis, credit, banking, investigation, loan management skills, service and telecommunications. Consistently obtained high performance through leadership and effective team building. Action oriented professional with proven track record of consistently meeting objectives, expectations, and deadlines. Strong organizational skills. Fluent in English and Spanish.
Experience
Bayview Lending Group Miami, Florida 9/04 - 5/08
Financial Analyst
Analyzed and reviewed loan submission documents, reviewed credit reports, input information, analyzed financial documentation, appraisal reports, real estate documentation, recommended loan files for pre-approval, prepared and signed Conditional Pre-approval Letters.
Provided support regarding Underwriting department's overall pipeline, maintain strong working knowledge of Silver Hill and Commercial Direct guidelines, managed and performed multiple tasks accurately in a fast paced environment, served as internal point of contact regarding file status, complete special tasks as assigned by Underwriting Manager.
Completed files in final underwriting, prepared Final Loan Term Sheets, Loan Summary, Loan Reviews, Preliminary and Final Loan Terms.
Worked with various computer programs (i.e. Excel, Flagship, Word, Lotus Notes, Cap Markets, Paper Vision, Morvision, Real Quest, Internet Explorer, etc.).
Analyzed and reviewed stated income stated assets deals, as well as full documentation deals, ranging from $100K to $1.5 Million.
Managed a pipeline of up to 120 loans for $20 Million.
Capital Development, Inc Miami, Florida 7/89 - 6/04
Loan Officer/Analyst
Analyzed and reviewed Small Business loan packages, financial statements, tax returns, credit reports, presented loan packages to Loan Committees, restructured & closed loans, managed and serviced loan portfolio (100+ loans), supervised loan collections, conducted loan reviews/audits.
Prescreened potential clients, conducted field visits/compliance reviews, prepared reports, visited existing/potential clients.
Conducted seminars on lending programs at Banks & CDC's (Community Development Corps).
Use extensive computer skills (i.e. Lotus, Word, Excel, Winfast).
Professional Savings Bank Miami, Florida 4/86 - 4/89
Credit Analyst
Analyzed financial statements, tax returns, credit reports, evaluated loans & recommended action, organized Credit Department, loan documents & credit records.
Prepared Loans-to-one Borrower reports for Board of Directors & Bank Officers, and processed installment loans.
Professional Savings Bank Miami, Florida 4/86 - 4/87
Assistant Collections Manager
Supervised/monitored delinquent loan collection, analyzed/appraised/recommended for repossession, supervised repossession & collateral sales, audited installment loans.
Prepared legal documents, managed accounts under legal process, analyzed delinquencies, and prepared reports to Loan Committee.
Education
Florida International University, Miami, Florida
BBA, Finance/International Business – 1984
Miami-Dade Community College, Miami, Florida
AA, Business Administration - 1982
