Cely Cotto
Credit Analyst
Edgewater,NJ
Summary
Accomplished Banking Professional with overt 10 years of experience focused on credit analysis,leadership, sales, compliance,data entry,credit review, risk management, and collection. Adept at translating business requirements while building strong relationships. I am a highly-motivated individual with desire to continue growing and taking new challenges, which will allow me to contribute and to be part of the company's success.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Credit Analyst
Hanover Bank
Rockefeller Center, NY
03.2022 - 02.2024
- Underwrite commercial mortgages line of credit, construction loans, C&I loans deals up to $19MM; multifamily buildings, 1-4 family homes, office buildings, retail buildings
- Create Excel spreadsheet for consumers and businesses financial data
- Collect and organize loan documents; Applications, tax return, business tax return, personal financial statements, credit report
- Review customer financial data to ascertain level of risk involved for providing/ extending lines of credit
- Monitor new and existing loans by completing quarterly credit reviews
- Contact customer about delinquent accounts to request payment and resolve concerns
- Provide weekly and monthly reports to Senior loan officers and Board Directors
- Complete annual stress testing model
- Knowledge of policy and procedure related to lending, credit rating, loan, bank rules and regulations
- Make sure the application risk rating process and evaluation align with the compliance regulatory guidelines
- Analyze borrowers financial activities by reviewing Financial statements, credit risk metrics, income statement, cash flow, balanced sheet,and others
- Maintain contact with front office, loan officers, and other departments to provide credit analysis report for assigned portfolio
- Monitor programs relevant of the credit risk performance to ensure credit extensions are made in compliance with Policy procedures guideline
- Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates.
- Consulted with senior management regarding proposed changes in underwriting standards or procedures.
- Participated in regular meetings with internal stakeholders to discuss best practices for managing the organization's loan portfolio.
Relationship Banker
Provident Bank
Teaneck, NJ
03.2020 - 01.2022
- Achieved with the team an increased revenue by $3.6M in deposit growth and $10M in homes loans by driving performance and leading Client Management Process
- Review documentation to ensure complete loan files
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Analyzed customer payment histories to assess credit risk profiles.
- Revised others banker account opening to ensure that they comply with all requirement
- Ensured timely and accurate completion of various monthly audits, certifications, proofs, reconciliations, reports, and other duties as assigned in accordance to policy
- Performed all activities related to the processing of various types of accounts and ensure compliance with application regulations, policies, and procedures
- Monitored daily operations, ensuring efficiency, accuracy and compliance with policies and procedures.
- Coordinated with other departments to ensure smooth flow of operations.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
Relationship Banker
Mariners Bank
Edgewater, NJ
06.2013 - 02.2020
- Provided front-line administrative support to the branch
- Provided administrative assistance to the loan department reviewing loan application documents
- Supported loan department by ordering credit reports, booking loans meeting, and sending letters to customers
- Ensured loan files contain documents with proper signatures, dates, and other relevant data
- Complied with established policies and procedures when responding to inquiries
- Compliance with all Bank Secrecy Act regulations, Customer Identification Program and know your customer requirements
- Reconciled general ledger for the loan department
- Reviewed checks report to ensure that no fraud was committed on customers account
- Revised others banker account opening to ensure that they comply with all requirement
- Assisted manager on business site visit
Education
MPA Public Administration, And Finance -
Fairleigh Dickinson University
05-2022
B.A., Political Science, Pre-Law -
New Jersey City University
01.2017
Skills
- Efficient in Fiserv Navigator, Encompass
- Creativity & Innovation
- Oral and Written Communications
- Banking Regulations
- Data Compilation
- Report Analysis
- Financial Statement Review
- Data Entry
- Credit Risk Analysis
- Verbal and Written Communication
- Financial Statements Expertise
- Correspondence Writing
- Judgmental Lending
- Data Analysis
- Financial Data Analyzation
- Loan Documentation
- Operational Efficiency
- Background Checks
- Collection Calls
- Portfolio Monitoring
Certification
- Beginner Pro Excel: Financial Modeling and Valuation
- Budgeting and Finance
- MBA Project Report
- Human Resource Management
- Public Policy Administration
- Political Leadership
Work Preference
Work Type
Full TimeLocation Preference
HybridRemoteOn-SiteTimeline
Credit Analyst
Hanover Bank
03.2022 - 02.2024
Relationship Banker
Provident Bank
03.2020 - 01.2022
Relationship Banker
Mariners Bank
06.2013 - 02.2020
MPA Public Administration, And Finance -
Fairleigh Dickinson University
B.A., Political Science, Pre-Law -
New Jersey City University
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