Brayan Zuniga
Houston,TX
Summary
Dynamic and results-oriented professional with a strong background in sales, portfolio management, and commercial banking. Adept at cultivating and maintaining client relationships, driving revenue growth, and strategically managing financial portfolios. Seeking a challenging role in a progressive organization where my skills in sales insight, portfolio optimization, and commercial banking expertise can contribute to business success and client satisfaction.
Overview
21
21
years of professional experience
Work History
Owner/CEO
Exelon Holdings LLC
12.2017 - 03.2024
- Developing and implementing strategic plans to enhance organizational efficiency
- Provided hands-on oversight for a portfolio of diverse businesses, in the restaurant and consulting industry, ensuring seamless operations, optimal resource utilization, and sustainable growth
- Nurtured client relationships across various sectors, fostering trust and loyalty through attentive service and customized solutions
- Provided visionary leadership as the Owner and CEO, steering the company towards sustained growth and success.
Sr. VP, Commercial Banker
Capital One Bank
05.2017 - 02.2018
- Develops and maintains the company's relationships with contacts/customers to maintain and expand businesses
- Maintains a regular calling program on customers and prospects to generate high quality new deposit and loan business from existing clients to achieve or exceed specific production goals
- Meets with existing customers and prospects through personal calling efforts and other contacts to discuss business needs and recommend ways in which the bank can help provide business solutions to all their financial needs
- Assists in planning the portfolio growth through the development of a business plan in alignment with departmental budget and consistent with overall Bank asset/liability management objectives
- Acquires, manages and grows profitable relationships with business customers that gross generally between $2MM up to total credit relationship of $50MM
- Responsible for the sale and administration of all banking services to include deposits, loans, investments, trust, etc
- To businesses and/or individuals within the assigned region
- Coordinates with various divisions and departments (Trust, Branches, Operations, etc.) in the servicing of routine transactions and in solving the special customers
- Maintains up-to-date knowledge of competitor's products and pricing in the market served
- Responsible for the proper pre-qualification, structuring, pricing, and exception-free closing on all loans in his/her assigned area
- Reviews demand deposit profitability analysis and outlines strategies to bring unprofitable accounts back to profitable status
- Evaluates risk and compensating demand deposit balances of each loan to properly price loan to meet profitability standards
- Works with borrowing customers to procure updated financial information on an ongoing basis
- Communicates lending decisions to customers
- Follow up on loan exceptions to insure timely clearing
- Controls volume of exceptions
- Serves as a representative in various civic and community functions to further enhance its image and develop additional business.
Sr. VP, Commercial Banker
Cathay Bank
11.2016 - 05.2017
- Handles both client-facing business development responsibilities as well as portfolio management responsibilities
- Identifies and brings new clients to the Bank
- Acquires, manages and grows profitable relationships with business customers that gross generally between $2MM up to total credit relationship of $50MM
- Works with designated underwriter, loan assistants and other loan support staff to prepare the Credit Commitment Report ("CCR") for new loans, renewals, amendments and annual reviews
- Presents each CCR to the requisite approval authority levels
- Reviews loan documents, either internally prepared or by outside counsel, to ensure accuracy
- Works with loan assistants and loan support staff to ensure all necessary items needed for the closing of the loan is in process and well-managed
- Monitors and manages the credit quality of the assigned loan portfolio
- Reviews to ensure each credit is properly risk rated based on the Bank's risk rating system
- Reviews client's accounts and portfolios in order to identify evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the Bank
- Ensures compliance with Bank, regulatory and credit requirements with emphasis on best-in-class customer service while adhering to required timeframes from the client
- Assists with mentoring and coaching junior officers and loan staff.
Sr. VP Commercial Officer II
BB& T Bank
06.2015 - 08.2016
- Acquires, manages and grows profitable relationships with business customers that gross generally between $2MM up to total credit relationship of $50MM
- Ensures the overall success and growth of an assigned portfolio of existing customers and through acquisition of new customers
- Develop, approve and service business loans, evaluate and extend credit and terms in with policy and lending authority
- Continually partners with existing customers to understand their business, goals, and needs
- Proactively monitor loans to endure complete conformity with terms and to ascertain developing trends
- Performs effective financial analysis and underwriting in the areas of credit, cash flow and collateral
- Effectively partners with other bankers and lines of business to deliver the full line of the bank's products
- May structure and complete straight forward secured and unsecured business loans
- Delegates work, schedules, guide, advise, review and train area assigned
- Works with City Executives, senior Business Officers and Credit Officers to develop prospecting, client management and credit underwriting
- Prepare various reports as requested
- Keeps abreast of changing business and economic developments which impact loan portfolio and profitability.
Sr. VP, Commercial Banker
Wells Fargo Bank
11.2008 - 06.2015
- Acquires, manages and grows profitable relationships with business customers that gross generally between $2.5MM thru $25MM
- Ensures the overall success and growth of an assigned portfolio of existing customers and through acquisition of new customers
- Continually partners with existing customers to understand their business, goals, and needs
- Proactively assesses customers' financial needs to formulate a business plan and delivering a variety of financial products and services in order to benefit the customer
- Performs effective financial analysis and underwriting in the areas of credit, cash flow and collateral
- Effectively partners with other bankers and lines of business to deliver the full line of the bank's products
- May structure and complete straight forward secured and unsecured business loans.
Business Development Officer
Washington Mutual Bank
04.2003 - 11.2008
- Responsible for bringing in new business customers, building and maintaining relationship with business clients who gross no less than $2MM but no more than $20 MM
- Gain understanding of customers financial needs and provide solutions with presenting a variety of the products offered
- Reach out into the community by placing outbound phone calls to existing clients, visiting businesses, conducting educational seminars
- Assessing business financials and portfolios to understand customers' needs, goals and business
- Manage customer portfolio, service relationships, providing analysis of customers credit, incoming cash flow and growth of business
- Handle cash transactions.
Education
High School Diploma -
Nimitz High School
Business Management -
Oklahoma University, Price College of Business Management
Skills
- 15 years banking experience
- Bilingual- Spanish/English
- Microsoft Office Suite
- Salesforce
- Responsible, manageable person
- Excellent writing and communication skills
- Educational background in business management and banking
- Outstanding organizational skills
- Great project and time management skills
- Great customer service representative
- Detail oriented
- Quick learner and extremely trainable
- Team Player
Personal
832-919-5630
Community Service
YMCA Board Member, D. Bradley McWilliams
Languages
Spanish
Native or Bilingual
Timeline
Owner/CEO
Exelon Holdings LLC
12.2017 - 03.2024
Sr. VP, Commercial Banker
Capital One Bank
05.2017 - 02.2018
Sr. VP, Commercial Banker
Cathay Bank
11.2016 - 05.2017
Sr. VP Commercial Officer II
BB& T Bank
06.2015 - 08.2016
Sr. VP, Commercial Banker
Wells Fargo Bank
11.2008 - 06.2015
Business Development Officer
Washington Mutual Bank
04.2003 - 11.2008
High School Diploma -
Nimitz High School
Business Management -
Oklahoma University, Price College of Business Management
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