Eduardo Hernandez
Albuquerque,NM
Summary
Senior Credit Analyst skilled in spreading and analyzing complex financial statements, global cash flow, and contingent liabilities to assess credit risk. Known for producing high‑quality credit memorandums, maintaining accurate risk grades, and ensuring covenant and policy compliance across commercial and real estate portfolios. Trusted partner to lenders and members, recognized for strong analytical judgment, workflow efficiency, and consistently exceeding production expectations.
Overview
9
9
years of professional experience
Work History
Senior Credit Analyst
Nusenda Credit Union
Albuquerque, NM
12.2021 - Current
- Completed high‑quality credit memorandums for new originations and annual reviews, assessing all repayment sources including primary (cash flow/collateral), secondary (guarantor strength), and tertiary (collateral liquidation) sources.
- Spread and analyzed financial statements, tax returns, and global cash flow for individuals and entities to evaluate repayment capacity and contingent liabilities.
- Performed annual loan reviews, covenant testing, and periodic audits to ensure accurate risk ratings and compliance with credit union policy, contributing to consistent 99%+ portfolio review completion.
- Monitored borrower financial reporting requirements and collaborated with lenders and administrative staff to obtain timely financials used for risk assessment and covenant compliance.
- Reviewed collateral appraisals and documentation for commercial and real estate loans, ensuring compliance with FIRREA, state regulations, and internal policies.
- Conducted commercial/real estate site visits to assess collateral condition and verify ongoing credit soundness.
- Partnered with lenders to structure complex business loans that balanced member needs with organizational risk tolerance.
- Served as a trusted advisor to internal teams and members by providing clear explanations of credit decisions, structuring options, and policy requirements.
- Trained new analysts and employees acquired through an out‑of‑state bank acquisition, including systems onboarding (SharePoint, CLOS, spreading software) and underwriting fundamentals.
- Identified transition challenges during acquisition integration and provided actionable feedback to management to improve processes and employee performance.
- Reviewed peer underwriting work to ensure alignment with credit policy and quality standards; recognized for producing 20% above expected production levels and completing 5 credit memos monthly.
- Helped balance team workload by coordinating timelines, communicating pipeline needs, and recommending task assignments to management.
Financial Consultant
Nusenda Credit Union
Albuquerque, NM
12.2016 - 12.2021
- Built strong relationships with existing and prospective members by assisting with consumer banking needs, including opening deposit accounts and originating consumer loans while ensuring compliance with credit union and federal regulatory standards.
- Reviewed and interpreted personal credit reports to assess repayment history, credit behavior, and borrower capacity, supporting sound lending decisions and appropriate product recommendations.
- Guided members through loan options and financial solutions by actively listening to their needs and identifying products aligned with their financial goals.
- Ensured high‑quality service delivery by maintaining accuracy in documentation, adhering to internal controls, and protecting member confidentiality.
- Partnered with branch and cross‑functional teams to optimize operational workflows, resolve complex member issues, and reinforce organizational compliance and service standards.
Education
BBA - Financial Management
University of New Mexico
Albuquerque, NM05-2021
Skills
- Global Cash Flow Analysis
- Commercial & CRE Underwriting
- Covenant Compliance
- Collateral Evaluation (FIRREA)
- Loan Structuring
- Risk Grading
- Portfolio Management
- Financial Statement Analysis
Timeline
Senior Credit Analyst
Nusenda Credit Union
12.2021 - Current
Financial Consultant
Nusenda Credit Union
12.2016 - 12.2021
BBA - Financial Management
University of New Mexico