Senior Commercial and Agricultural Credit Analyst with 9+ years of experience in credit analysis, financial spreading, portfolio management, and risk assessment. Skilled in commercial underwriting, loan monitoring, process improvement, and stakeholder collaboration. Proven ability to manage complex credit tools, train analysts, and provide actionable insights to senior management.
PROFESSIONAL EXPERIENCE
Austin, TX
Sr. Business Systems / AgCredit Analyst
Managed the bank’s financial spreading tool (“Credit Assessment”) as liaison between stakeholders (CCOs, VPs of Credit, loan officers, compliance) and vendors (FIS) as well as internal DB administrators.
Integrated financial spreading tool with loan origination system (“Finastra CME”), encompassing underwriting, origination, servicing, and monitoring.
Maintained 110+ financial risk rating model templates to standardize credit analysis and underwriting.
Supported 800+ users with customized reports, KPI ratios, LGDs, PDs, and credit analysis guidance.
Trained existing and new credit analysts in Ag-lending credit analysis.
Developed product roadmap for HTML5 release, including 75+ user stories and 150+ end-user test cases (Azure DevOps).
Provided upper management with usage and adoption metrics.
El Paso, TX
Sr. Commercial Credit Analyst
Prepared and presented 2–3 new loan memorandums per week ($10M–$50M) to loan committee (RLOC, GLOC, balloon, LOC, term loans).
Determined risk grades (PD, LGD) for a $100M portfolio and provided monitoring updates to management.
Conducted over 35 annual reviews focusing on financial performance, stress testing, and collateral value adjustments.
Performed pre- and post-closing reviews to detect discrepancies between loan documentation and booking entries.
Prepared regional industry analyses to identify new opportunities in Texas/El Paso.
El Paso, TX
Sr. Commercial Credit Analyst
Analyzed cash flows and income streams for 45+ prospective borrowers across industries (healthcare, manufacturing, CRE, equipment, residential, and Mexican international deals).
Prepared comprehensive industry analyses on El Paso real estate market.
Conducted annual reviews for 125+ borrowers for internal credit ratings and federal regulators; performed post-closing monitoring reviews.
Managed $225M loan portfolio by tracking financial ratio covenants and technical exceptions.
Perfected security interests across various collateral classes (real estate, machinery, inventory, vehicles, securities, A/R) and conducted routine audits.
EDUCATION
University of Texas at El Paso – El Paso, TX
Bachelor’s Degree in Business Administration, Finance and Accounting
AFFILIATIONS & LEADERSHIP
Austin, TX | Treasurer
Assisted President with financial compliance, tracked revenue and expenses, and maintained member financial awareness.
Financial Management Association – El Paso, TX | Vice President
Assisted President with compliance and content generation; increased membership by 30%.
Increased revenue from events and fundraisers by 35%.
Organized a stocks and options paper-money trading competition for 45 members.
SKILLS & CERTIFICATIONS
Languages: Native Spanish (Mexico)
Technical Skills: Microsoft Excel, PowerPoint, Word; SQL; Salesforce; JIRA; Azure DevOps
Certifications: Six Sigma – Black Belt