CARLOS KOFFROTH
Tucson,United States
Summary
Detail-oriented professional with 5+ years of experience and a proven knowledge of commercial banking, underwriting, credit analysis, and risk management.
Overview
5
5
years of professional experience
Work History
AVP - Commercial Credit Underwriter
Bank of America
10.2021 - 08.2023
- Underwrite and structure straightforward and complex credit transactions for clients with annual revenues between $20MM-$2Bn
- Monitor clients operating performance and financial repayment ability to proactively identify risks, issues and opportunities
- Provide financial, industrial, and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements.
Commercial Credit Analyst II
Bank of America
03.2018 - 10.2021
- Identified risks related to each borrower, considering the history of business operations, projected ability to generate cash flow, strength of collateral support, and the industry/sector the borrower operates within
- Responsible for ongoing credit monitoring for the Pacific Northwest Middle Market portfolio covering Seattle, Greater Washington, Portland, and Idaho
- Also was responsible for credit monitoring Subscription Facility portfolio clients within the PSV market
- Assessed credit worthiness of companies the Bank serves through credit analysis including financial statement spreading, risk rating, covenant testing, and financial modeling as well as reporting any adverse situations and making appropriate recommendations to the local client team.
Command Center Lead
Bank of America
05.2020 - 09.2020
- Selected during the unprecedented COVID-19 pandemic to participate in Bank of America's enterprise initiative in assisting with the rollout of PPP (Payment Protection Plan)
- Helped lead a coordinated team responsible for the swift end-to-end process from initial application to funding of PPP loan
- Provided timely updates to senior management and assisted with the triage of stagnant applications, particularly during the latter stages of SBA funding availability.
Education
Bachelor of Science (B.S.) Finance -
University of Arizona
12.2019
Skills
- Time Management
- Problem Solving
- Highly Motivated
- Financial Modeling
- Financial Analysis
- Analytical thinking
- Industry knowledge
Details
Tucson, 15202508326, carloskoffroth@email.arizona.edu
Languages
Spanish
Native or Bilingual
Timeline
AVP - Commercial Credit Underwriter
Bank of America
10.2021 - 08.2023
Command Center Lead
Bank of America
05.2020 - 09.2020
Commercial Credit Analyst II
Bank of America
03.2018 - 10.2021
Bachelor of Science (B.S.) Finance -
University of Arizona