Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Antero Machin

Atlanta Metro Area,GA

Summary

Self-motivated and reliable candidate with excellent teamwork, problem-solving, and organizational skills. Manages high-volume lending accounts in dynamic environments with high production, approval and customer relation targets. Expertise includes reviewing and validating credit, collateral, and financial histories for each applicant.

Overview

8
8
years of professional experience

Work History

ABL Collateral Analyst

Synovus
03.2023 - Current
  • Monitor loans by obtaining accounts receivable, accounts payable, and inventory valuations to reconcile total receivables and total ineligible receivables on at least a monthly basis
  • Responsible for reviewing various reports for multiple customers including, but not limited to, borrowing base certificates, month end recapitulations and dilution activity
  • Promptly and accurately process advance requests and payments on large commercial lines of credit
  • Analyze sales, credit memo, and collection activity for unusual transactions or behavior
  • Collect and apply various fees daily
  • Send/verify wires and transfer funds when necessary
  • Set up accounts and complete setup worksheets
  • Create and send invoices to customers
  • Review formulas in excel for ineligibles including concentrations, cross-aging, past dues, contras, etc. and make adjustments if required
  • Serve as the first point of contact for issues related to the commercial customer's asset based line of credit
  • 100% compliance score received to date on all full, lite, and syndicated commercial loans

Senior Loan Processor

Wells Fargo
01.2020 - 08.2022
  • Interpreted customer data to structure loans and determine appropriate solutions for high profile clients
  • Analyzed documentation for inconsistencies that could lead to possible fraud or higher risk including financial statements such as profit & loss statements, tax returns, balance sheets, cash flow statements, brokerage/bank statements, etc.
  • Obtained and reviewed legal documents, such as Trust Agreements, Power of Attorney, Divorce Decrees, Legal Separation documents, etc.
  • Reviewed system generated stipulations and added stipulations based on findings related to risk management
  • Increased customer satisfaction survey results to 98% by proposing new spreadsheets for data analysis
  • Liaised with attorneys, agents, and CPAs
  • Communicated with loan officers, underwriters, and lending managers to discuss outstanding items needed for approvals
  • Completed daily, weekly, and monthly reports for pipeline management and funding goals
  • Created data visualizations and updated reports using EXCEL to analyze financial trends
  • Appointed to the Leadership Development program
  • Mentored and coached new hires

Lending Consultant

Atlantic Home Capital
03.2017 - 09.2019
  • Utilized data metrics to create and improve business models
  • Proposed pricing options and negotiated rates and terms with clients
  • Reviewed documentation to propose the best lending products to customers
  • Built relationships with realtors, attorneys, and other community members to help drive business
    Evaluated income and asset documentation to assist in qualifying potential clients
  • Found solutions in impacting market conditions and worked with management to improve business growth
  • Tracked pricing from competitor’s to help with our pricing proposals
  • Managed sales assistants & telemarketing department
  • Scheduled closings with all parties involved
  • Assisted customers in meeting financial goals and directing them appropriately
  • Managed open houses, company events, and other projects

Sales Support Team Leader

United Mortgage Corp
02.2016 - 03.2017
  • Analyzed lead data to maximize business growth
  • Reviewed credit reports and client documentation to assist in qualifying borrowers
  • Made recommendations based on data to help improve sales strategies
  • Evaluated borrower documentation to assess risk and ability to repay
  • Managed pipeline for the office & sales projects
  • Disbursed leads to sales assistants and completed reports for lead development
  • Held meetings with loan officers & sales assistants to assess monthly sales metrics
  • Coached and mentored new hires
  • Delivered exceptional customer service during rate and review conferences with clients and management

Education

Bachelor's Degree -

Academy of Art University
San Francisco, CA

Bachelor's Degree -

St. John's University
Queens, NY

Skills

  • Portfolio Assessment
  • Document Organization
  • Effective decision making during time sensitive situations
  • Business & Financial Analysis
  • Knowledge of lending & banking guidelines
  • Collateral Value Checks
  • Time management
  • Detail Oriented
  • Knowledge of software and applications including; Microsoft Office (EXCEL, Outlook, PowerPoint), SQL, PayPlus, FIS, ABL Soft, Salesforce, CORE, Encompass, etc

Languages

Spanish
Full Professional

Timeline

ABL Collateral Analyst

Synovus
03.2023 - Current

Senior Loan Processor

Wells Fargo
01.2020 - 08.2022

Lending Consultant

Atlantic Home Capital
03.2017 - 09.2019

Sales Support Team Leader

United Mortgage Corp
02.2016 - 03.2017

Bachelor's Degree -

Academy of Art University

Bachelor's Degree -

St. John's University
Antero Machin