Alan Estevez
Bayonne
Summary
I am an experienced Portfolio Specialist skilled in the financial leasing industry with a background in credit. I currently manage a $30M portfolio while being part of a team that consistently exceeds financial margin targets. The team, as well as myself, fosters an environment of strategic execution while holding each other accountable and implementing workarounds for current systems. I’m seeking to use my skills and wide background in the banking/financial industry to add value to an organization where our relationship will be mutually beneficial.
Overview
17
17
years of professional experience
Work History
Portfolio Specialist
Hewlett Packard Enterprise Financial Services
08.2023 - Current
- Notify customers on end of term pricing options that align to HPEFS sale strategies.
- Provide insights into market trends to identify strategies aimed at improving revenue for the company.
- Responsible for generating margin across portfolio and hitting target goals.
- Cooperate with business partners and internal teams to identify sales opportunities.
- Develop meaningful relationships with customer base.
Credit Analyst
Hewlett Packard Enterprise Financial Services
08.2017 - 08.2023
- Analyze financial statements and reflect a company’s vital statistics using various programs such as Standard and Poor as well as Dun & Bradstreet.
- Perform historical trend and ratio analysis while properly assessing cash flow, collateral, industry risks and all other major risks to the institution.
- Underwrite and establish criteria for approving or denying client funding for new and existing clients, mainly corporate clients.
- Organize global communications with larger clients in order to properly assess risks.
- Participate in various programs to initiate or launch tools/objectives such as ambassadors of change; provided vital input to tools analysts would use such as the spreading tool.
- Speak directly with CFOs and top level executives to discuss their company’s financial health, future projections, and strategic initiatives to better assess their creditworthiness.
- Negotiate NDAs, document generation, and lease structure for various customers in different industries and sectors including public sector, healthcare, energy and computer sciences amongst others.
Credit Analyst
Mercantil Bank, Miami, FL
03.2015 - 08.2017
- Performed historical trend analysis and assessed cash flow, collateral, industry risks and all other major risks to the Bank.
- Established criteria for approving or denying client funding for new and existing clients, mainly for C&I (Commercial & Industrial) with partial CRE (commercial Real Estate) experience.
- Prepare presentations of significant clients/loans to present to executive team and discuss potential drawbacks or advantages of a potential transaction with a customer.
Middle Market-Corporate Lending Assistant
Mercantil Bank, Miami, FL
09.2013 - 03.2015
- Measured financial performance and compliance of loan covenants for Middle Market clients on a quarterly/annual basis.
- Managed lender portfolios to ensure quality service to clients while also generating sales leads. Portfolio included 100+ high end clients.
- Facilitated with the preparation and analysis of credit packages for bilateral and syndicated transactions.
- Served as a liaison between agent banks, lending departments and attorneys on the structuring and delivery of credit facilities.
- Awarded Middle Market Lending Assistant of the year for 2014.
- Constantly communicated with clients to serve and align their needs with the banks goals, in turn creating a mutually beneficial relationship.
Sales and Service Representative
Bank of America, Miami, FL
09.2010 - 09.2013
- Submitted loan or line applications, mortgage and investment referrals. Awarded most investment referrals and most accounts opened in 2012.
- Opened new demand deposit accounts, initiated wire transfers and provided notary services while expanding customer base.
- Profiled hundreds of new and existing clients to uncover financial needs.
Assistant Manager
Bank of America, Miami, FL
06.2008 - 09.2010
- Performed branch monetary audits along with individual cash drawer audits.
- Achieved bank revenue goals through individual sales while coaching staff to drive new leads through daily customer contact.
- Complied with operational procedures and risk management policies while managing a team of 12.
Education
Bachelor of Business Administration - Minor in Marketing
University of Miami
12.2003
Skills
- Commercial credit certification
- Fluent in Spanish
- Proficient public speaking
- Proficient in Microsoft Excel, PowerPoint, and Word
- Lending model development
- Client relationship management
- Statistical analysis
- Equity valuation
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Portfolio Specialist
Hewlett Packard Enterprise Financial Services
08.2023 - Current
Credit Analyst
Hewlett Packard Enterprise Financial Services
08.2017 - 08.2023
Credit Analyst
Mercantil Bank, Miami, FL
03.2015 - 08.2017
Middle Market-Corporate Lending Assistant
Mercantil Bank, Miami, FL
09.2013 - 03.2015
Sales and Service Representative
Bank of America, Miami, FL
09.2010 - 09.2013
Assistant Manager
Bank of America, Miami, FL
06.2008 - 09.2010
Bachelor of Business Administration - Minor in Marketing
University of Miami
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