Claudia Padron
Brownsville,TX
Summary
Banking professional with extensive experience at IBC Bank, excelling in financial statement analysis and customer service. Proven track record in assisting in managing a $600M loan portfolio and ensuring compliance with regulations. Bilingual in Spanish, I leverage strong interpersonal skills to foster client relationships and drive operational efficiency.
Overview
11
11
years of professional experience
Work History
Bank Officer
IBC Bank
06.2021 - Current
- Conducted comprehensive cash flow analysis, projections, stress tests, collateral assessments, and construction budget reviews.
- Prepared credit memoranda for loan proposals presented to IBC Bank’s board of directors.
- Assisted in managing $600M loan portfolio encompassing C&I loans, real estate loans, and LIHTC investments.
- Monitored construction loans to ensure compliance with performance agreements.
- Analyzed LIHTC investment models to verify alignment with bank policies.
Senior Loan Review Analyst
IBC Bank
01.2019 - 05.2021
- Perform loan reviews and loan documentation reviews to ensure compliance with bank, state, and federal regulations.
- Review draw request for construction loans.
- Prepare analytics and data reports for senior leadership and bank officers.
Loan Review Analyst
IBC Bank
01.2018 - 12.2018
- Executed pre-funding audits to ensure regulatory and internal compliance, resolving identified issues.
- Maintained and monitored loan exception tracking system to ensure compliance with policies.
- Conducted thorough reviews of loans and associated documentation for quality assurance.
Credit Analyst
IBC Bank
10.2016 - 12.2017
- Conducted loan reviews and documentation audits to ensure accuracy of bank records.
- Prepared loan documents with precision, collaborating with attorneys and third-party vendors.
- Audited loan documentation to confirm all documents were complete prior to closing.
Note Specialist
IBC Bank
02.2016 - 09.2016
Sales Representative
IBC Bank
02.2015 - 01.2016
Education
Bachelor of Business Administration - Accounting
University of Texas Rio Grande Valley
Edinburg, TX12.2015
Timeline
Bank Officer
IBC Bank
06.2021 - Current
Senior Loan Review Analyst
IBC Bank
01.2019 - 05.2021
Loan Review Analyst
IBC Bank
01.2018 - 12.2018
Credit Analyst
IBC Bank
10.2016 - 12.2017
Note Specialist
IBC Bank
02.2016 - 09.2016
Sales Representative
IBC Bank
02.2015 - 01.2016
Bachelor of Business Administration - Accounting
University of Texas Rio Grande Valley