Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Cristina Laurentino

West Hartford,CT

Summary

Forward-thinking individual offering advanced experience in overseeing operations and the servicing of commercial loans for the banking and finance sector. Highly proficient in the Operational side of servicing USA and International Commercial Loans for merging market countries and nationals. Proven leader with track record of successful communication, client relationship.

Overview

27
27
years of professional experience

Work History

VP of Operations

WorldBusiness Capital
Hartford, CT
08.2019 - 05.2024
  • Completion and review of on-boarding/set-up of commercial loans on the servicing system per the terms of the loan documents (Financial Notes, Credit Agreements and other relevant documentation).
  • Preparation/review of all New Loans correspondence and coordination on initial billings.
  • Administration of system changes needed for loan sales and modifications.
  • Preparation/review and issuance of billing statements.
  • Management of quality control of core system input through detailed reviews of all data entry for new and existing commercial loans, including but not limited to loan terms, fees collected, and general ledger entries.
  • Completion of periodic reporting to Agencies and other constituents.
  • Assistance to CFO and other Management Committee members with corporate projects and strategic initiatives on an ad hoc basis.

Senior Commercial Loan Servicer

Webster Bank
New Britain, CT
05.2009 - 06.2019
  • Served as a lead and only Senior Loan Servicer Supporting the Webster Business Credit line based in New York City, NY. Specialized in Asset Base Lending Products, Syndications and Foreign Currency Loans.
  • Review all documents for accuracy and completion in order to book, fund and finalize the closing process for new and existing customers; documentation including title insurance, environmental reports, risk loan terms, maturity rates, etc.
  • Creation, review and reconcile accounting entries related to booking and servicing loans.
  • Coordination with Commercial Banking staff, Relationship Managers, Portfolio Managers and other employees in Loan Operations and customers to service all aspects of the commercial lending relationship.
  • Investigation of complex loan issues/problems and adapting solutions.
  • Ensurance of compliance with internal controls, credit policies and regulatory requirements .
  • Completion of reports, process testing, system testing, and update of procedures to the commercial manual accordingly.

Portfolio Analyst

Peoples United Bank
Waterbury, CT
02.2007 - 12.2008
  • Responsible for performing credit and collateral analysis to identify risk within the company's existing commercial leasing portfolio to minimize financial risk.
  • Tested financial covenants provisions to determine compliance.
  • Prepared risk rating change forms and if necessary communicated adverse information to customers and presented the pertinent findings to management.
  • Assisted with the collection of updated financial information an all active accounts.
  • Reviewed and analyzed updated financial information and collateral position for all active accounts within a specific time frame and confirmed assigned ratings.

Senior Import-Export Finance Representative

HSBC Equator Bank
Glastonbury, CT
09.1997 - 12.2006
  • Provided commercial banking services to the sub-Saharan Africa portfolio of the bank.
  • Responsible for a portfolio of USD 40MM loans and letters of credit.
  • Managed all aspects of various commercial accounts and facilities related to Letters of Credit.
  • Evaluated risk assessment and limits of control for various facilities in Angola, Mozambique and Nigeria.

Education

Bachelor of Arts - Economics/Finance

Central Connecticut State University
New Britain, CT
05-2004

Skills

  • Operations Management
  • Facilities Management
  • Team Building and Motivation
  • Workforce Planning

Languages

Portuguese
Native/ Bilingual
Spanish
Professional

Timeline

VP of Operations

WorldBusiness Capital
08.2019 - 05.2024

Senior Commercial Loan Servicer

Webster Bank
05.2009 - 06.2019

Portfolio Analyst

Peoples United Bank
02.2007 - 12.2008

Senior Import-Export Finance Representative

HSBC Equator Bank
09.1997 - 12.2006

Bachelor of Arts - Economics/Finance

Central Connecticut State University

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Cristina Laurentino