Benito Sanchez Jr
Weslaco,TX
Summary
Talented financial professional with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
18
18
years of professional experience
1
1
Certification
Work History
SBA Quality Control Auditor
MUFG Union Bank
07.2022 - Current
- 100% Remote
- Provided support in conducting banking diligence and in addressing any issues that arise during audit process via AFS and STP systems.
- Ensure all required SBA documents are collected and completed correctly to ensure SBA guaranty. SBA forms include SBA Form 1050, SBA Form 1919, SBA Form 1920, SBA Form 159, SBA Notes, SBA guarantees and SBA loan Authorization.
- Collected, reviewed, and analyzed all relevant information from internal and external parties for SBA loans such as 7a and 504 to include business acquisitions, CRE purchase and construction adhered to SBA SOP guidelines in responding to audit exceptions.
- Responsible for handling various tasks involved in documentation, funding, and due diligence requirements of standard and complex transactions to include application/eligibility, credit approval, entity documents, closing documentation, business evaluations, appraisals, environmental reviews, deed of trust audit, escrow information, ALTA policy, leases, UCC collateral, construction, individual financial & business financials, and loan boarding to AFS system
- Maintained strict confidentiality of bank records and client information.
- Collaborated with other departments to promptly process loan applications.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Examined customer loan applications for loan approvals and denials.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Partnered with auditors to track errors and add contributions to maintain accuracy.
Loan Specialist
US Small Business Administration
07.2021 - 06.2022
- Conducted comprehensive guaranty purchase reviews of participant lender's 7(a) loan activities and made necessary recommendations for SBA guarantee approval or denial (2 years of experience).
- Investigated, gathered, and reviewed relevant facts and data to ensure maximum recovery to agency and mitigate harm and loss to agency.
- Analyzed complex commercial loan applications with varied organizational and financial structures.
- Prepared reports on merits of applicants' commercial loan requests, addressing eligibility and overall credit quality, and made recommendations to approve or decline commercial loan requests.
- Developed strong relationships with customers through high levels of customer service.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Examined customer loan applications for loan approvals and denials.
- Recommended loan approvals and denials based on customer loan application reviews.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Advised clients on mortgage, education and personal loans.
Partnership Specialist & Data Analyst
US Department Of Commerce
05.2019 - 09.2020
- 100% Tele-work
- Experienced Partnership and Data Analyst Specialist with 2+ years of expertise in securing and managing partnerships, training stakeholders, and conducting data analysis for US Department of Commerce
- Skilled in CRM data collection, Tableau reporting, and conducting professional conferences and roundtable meetings with stakeholders
- At US Department of Commerce, worked as Partnership where secured over 300 active business and corporate partnerships, trained stakeholders on 2020 Census guidelines, and analyzed south Texas counties for presentation to Census team.
- Developed and implemented annual strategic plan to train community stakeholders on 2020.
- Census guidelines and operational procedures
- Specialized in CRM data collection, analyzing and Tableau reporting; engaged in big data automation platforms and analyzed south Texas counties for Census strategies.
- Tableau dashboards and Microsoft Excel to include VOOKUP, formulas and Pivot Tables.
- Team leads and responsible for planning, analyzing, evaluating, and improving effectiveness of Census operations and partnership relationships with businesses and corporations.
- Skilled at working independently and collaboratively in team environment.
- Worked effectively in fast-paced environments.
- Identified issues, analyzed information and provided solutions to problems. Conducted professional conference settings and roundtable meetings with team, local, and private/public stakeholders using PowerPoint, Excel, CRM, and Tableau programs/dashboard.
- Participated in team projects, demonstrating ability to work collaboratively and effectively.
Servicing Analyst
Rio Commercial Capital Consulting LLC
01.2016 - 04.2019
- Work for various local and regional financial services institutes.
- Procured necessary third-party assessments, including title insurance, title search, UCC search, appraisals, and other relevant reports as required.
- Prepared KYC reporting of new account relationships (15-20/day).
- Assisted in handling of overdue loan payments and processing of overdrafts across collections for over 235 customers.
- Data analytics: Data analytics techniques used to analyze large amounts of data to detect patterns and anomalies that may indicate fraudulent activity.
- Facilitated gathering and assessment of financial statements, tax returns, PFS, and other necessary documents to meet annual reporting obligations.
- Assisted with fraud scoring systems: assigned risk score to each transaction or customer based on set of predetermined risk factors.
- Prepared Suspicious Activity Report: prepared report for compliance team for review and determine if file would be reported to relevant authorities.
- Handled loan and document discrepancies, such as lapsed insurance, outstanding property taxes, and other related loan concerns.
- Maintaining tickler tracking system to guarantee adherence to loan requirements and proper documentation is on file.
- Requesting updated information for expiring documentation.
Assistant Vice President
BBVA Compass
, TX
11.2011 - 01.2016
- Loan Underwriting, Credit Analyst and Loan closing experience.
- Originated business and commercial loans, both domestic and international
- Investigated and analyzed credit histories to determine creditworthiness of individuals or businesses.
- Made recommendations and decisions to approve or decline residential and business loans.
- Processing loan applications using computer system; using CRM monitoring systems.
- SBA 7a and 504 lending experience in private sector.
- Generated financial and operational reports to assist management with business strategy.
Assistant Vice President
Wells Fargo Bank
11.2005 - 10.2011
- Originate Asset Based Lending (ABL) and monitored ABL lines of credit monthly. Increased loan production year over year by 15%, resulting in $21MM yearly production.
- Analyzed business financial statements, tax returns, credit reports and/or earning potential of individuals and/or business enterprises.
- Made sound recommendations and/or determinations related to processing, servicing and/or liquidation/default of residential and business loans.
- Communicated orally and in writing with variety of contacts to counsel and advised regarding variety of subjects for residential and business loans.
- Commercial and industrial loans; mitigating risks for financing.
- Reviewed business plans, cash flow and projections.
- Underwrite commercial loans to generate credit facilities. Portfolio to include domestic and international trade facilities.
- Investigated and evaluated credit histories to determine creditworthiness of individuals or businesses and KYC for Politically Exposed Persons (PEP)
- Prepared annual portfolio review analyses and workout loan summary reports.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Attended board and committee meetings and took meeting minutes to create detailed records of various meetings and decisions.
- Identified opportunities to improve business process flows and productivity.
- Identified and resolved issues between employees, promoting better collaboration and mutual respect.
Education
Formal Commercial Credit Training - Banking And Financial Support Services
Wells Fargo Bank - College of Commercial Credit
Minneapolis2008
Formal Banking - Banking And Financial Support Services
Wells Fargo Bank – Relationship Manager Institute of Banking
Houston2006
Bachelor of Arts - Business Administration, Marketing
University of Texas PanAmerican
Edinburg1996
Skills
- Loan Evaluations
- Data Security Practices
- Credit Option Explanation
- Telephone Etiquette
- Real Estate Loans
- Credit History Assessment
- Issue Resolution
- Government Lending
- Commercial and Credit Loans
- Effective Communication
- Financial Database Analysis
- Analytical and Critical Thinking
Certification
- Project Management - Agile, Udemy, 2020
- SQL, Big Data, Udemy, 2020
- Knowledge of AFS maintenance codes 0101 (Borrower Address & TIN), 0104 (Loan Information), 0105 (Obligation Summary), 0122 (Accrual, billing & Prime Rate), 0127 (Risk Rating), 0136 (Future Payments), 0152 , 0161 (Obligor search), 0184 (Supporting Collateral), 0186 (Flood Cert), 0189 (Collateral), 03BA (SBA Approval), 0464 (Transaction History) and 0490 (Loan Information).
Languages
Spanish
Native or Bilingual
Timeline
SBA Quality Control Auditor
MUFG Union Bank
07.2022 - Current
Loan Specialist
US Small Business Administration
07.2021 - 06.2022
Partnership Specialist & Data Analyst
US Department Of Commerce
05.2019 - 09.2020
Servicing Analyst
Rio Commercial Capital Consulting LLC
01.2016 - 04.2019
Assistant Vice President
BBVA Compass
11.2011 - 01.2016
Assistant Vice President
Wells Fargo Bank
11.2005 - 10.2011
Formal Commercial Credit Training - Banking And Financial Support Services
Wells Fargo Bank - College of Commercial Credit
Formal Banking - Banking And Financial Support Services
Wells Fargo Bank – Relationship Manager Institute of Banking
Bachelor of Arts - Business Administration, Marketing
University of Texas PanAmerican
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