Alvaro Herrera
Thornton,CO
Summary
Hard working individual, serving the financial services industry for over 20 years. Offering experience in customer service, relationship management, branch operations, loan servicing, troubled debt, credit analysis and underwriting. Seeking an opportunity within the insurance industry that will allow me to apply my skillset and further my professional development.
Overview
11
11
years of professional experience
Work History
Credit Analyst – Private Banking Group
Vectra Bank Colorado
Denver, CO
06.2022 - Current
- Assist the Private Banking team by providing a comprehensive analysis that supports the credit decision process.
- Collaborate with various groups throughout the organization to ensure that credit transactions follow policy guidelines and supporting information is provided through the approval process.
Portfolio Manager – Business and Consumer Lending Center
Bank of Nevada a Division of Western Alliance Bank
Las Vegas, NV
09.2020 - 02.2022
- Client facing employee who managed a loan portfolio consisting of approximately 370 Commercial & Industrial, Consumer, and CRE Owner-Occupied loans with outstanding balances of approximately $16.8 million.
- Maintained a positive relationship with my colleagues from assigned branches by keeping them informed of products offered by the Business and Consumer Lending Center.
- Cross-selling of products to new and existing customers.
- Interviewed prospective applicants and requested specified information related to the loan application.
- Partnered with the loan processing team through loan approval/closing process.
Underwriter/Credit Analyst
Bank of Nevada a Division of Western Alliance Bank
Las Vegas, NV
10.2018 - 08.2020
- Assisted Commercial & Industrial lenders with preparation of Action Memos, Loan Presentations and Annual Relationship Reviews by updating current economic and industry trends with Word and Excel templates
- Performed analysis of financials and tax returns to assist lenders with covenant monitoring, loan renewals and prospect clients.
Loan Support Officer – Special Assets Group
Bank of Nevada a Division of Western Alliance Bank
Las Vegas, NV
05.2013 - 08.2017
- Provided support by contacting delinquent borrowers by phone, email, and letters.
- Negotiated customer’s repayment by discussing their financial position, ability to repay, and documenting repayment plan.
- Managed a portfolio of charged-off loans less than $250 thousand.
- Maintained a Microsoft Access Database consisting of 1,700 fully and partially charged-off loans with balances ranging from $25 thousand - $5 million.
Education
Bachelor of Science in Business Administration, Finance -
University of Nevada Las Vegas
01.2018
Associate of Business Degree -
College of Southern Nevada
01.2016
Skills
- Customer service
- Oral and Written Communications
- Relationship Management
- Adaptability
- Microsoft Office (Word, Excel, Outlook)
Timeline
Credit Analyst – Private Banking Group
Vectra Bank Colorado
06.2022 - Current
Portfolio Manager – Business and Consumer Lending Center
Bank of Nevada a Division of Western Alliance Bank
09.2020 - 02.2022
Underwriter/Credit Analyst
Bank of Nevada a Division of Western Alliance Bank
10.2018 - 08.2020
Loan Support Officer – Special Assets Group
Bank of Nevada a Division of Western Alliance Bank
05.2013 - 08.2017
Bachelor of Science in Business Administration, Finance -
University of Nevada Las Vegas
Associate of Business Degree -
College of Southern Nevada
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