Ciprian Corhei
Bothell,WA
Summary
Detail-oriented and results-driven Senior Commercial Credit Analyst with over 15 years of experience in credit risk assessment, financial analysis, and portfolio management. Proven track record of evaluating creditworthiness, managing high-value portfolios, and implementing effective risk mitigation strategies.
Overview
12
12
years of professional experience
Work History
Senior Commercial Loan Underwriter
First Financial Northwest Bank
Renton, WA
08.2022 - Current
- Performed thorough credit evaluations on various types of commercial loans, including CRE, construction, C&I, collateral secured and unsecured.
- Examined financial data such as income, assets, liabilities, and credit histories of borrowers and guarantors.
- Partnered with relationship managers to offer guidance on loan structures, terms, and conditions.
- Performed periodic reviews of existing loans to ensure continued compliance with established policies.
- Provided guidance on underwriting procedures to junior staff members.
- Managed workload to ensure timely and accurate completion of Credit Memos.
- Collaborated with LDF department to align Borrower entity documents.
- Examined title reports to verify absence of liens.
Commercial Credit Analyst III
Centennial Bank
Fort Myers, FL
07.2021 - 07.2022
- Prepared analysis for CRE loans (MF, Office, Retail, Hotels, Owner Occupied) C&I loans(LOCs, Letter of Credit, Equipment), and Construction loans(MF, Office, Hotel, SFR Spec., Investment).
- Spread financial statements and utilize financial ratios to evaluate the strength of the borrower and guarantor.
- Prepared narrative analysis of findings and recommendations.
- Performed annual review analysis of existing loans.
- Conduct market and industry research relevant to loan analysis.
Commercial Relationship Manager
BankUnited
Naples, FL
09.2012 - 01.2020
- Tasked with leading and managing 2 banking centers.
- Managed a $40MM commercial portfolio.
- Structured financial packages based on capital needs of clients and market conditions.
- Monitored and maintained compliance with internal controls and government regulations.
- Evaluated the financial strength of borrowers to determine risk and repayment capacity.
- Perform client financial analysis and underwriting in the area of credit, cash flow, and collateral to ensure proper debt service coverage ratios.
Education
Bachelor of Science - Finance
Florida Gulf Coast University
Fort Myers, FLSkills
- Financial statement review
- Cash flow analysis
- Bank regulations
- MS Office
- Salesforce
- nCino
- Moody's Analytics - REIS
- CoStar
- IBISWorld
Timeline
Senior Commercial Loan Underwriter
First Financial Northwest Bank
08.2022 - Current
Commercial Credit Analyst III
Centennial Bank
07.2021 - 07.2022
Commercial Relationship Manager
BankUnited
09.2012 - 01.2020
Bachelor of Science - Finance
Florida Gulf Coast University
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