Daniel Almedina
Farmingdale
Overview
6
6
years of professional experience
Work History
Credit Product Officer, Assistant Vice President
BankUnited
03.2025 - Current
- Partner with relationship managers to support new business development, gather client financials, and prepare comprehensive Credit Approval Memorandums for middle‑market and commercial clients.
- Conduct detailed portfolio reviews for more than 15 commercial credit relationships, assessing borrower performance, covenant compliance, and emerging risks.
- Maintain strong client relationships through regular in‑person meetings, proactive communication, and responsive support tailored to each client’s financial needs.
- Collaborate with loan closing, treasury, and operations teams to ensure approved structures, pricing, and terms are accurately reflected in final documentation.
- Process loan modifications, extensions, and draw requests while ensuring adherence to credit policy and risk guidelines.
- Assist in onboarding and training new hires, promoting a culture of accuracy, teamwork, and client‑centric service.
- Monitor financial ticklers and proactively coordinate with RMs and clients to maintain up‑to‑date financial information.
Credit Products Analyst
BankUnited
09.2022 - 03.2025
- Analyzed borrower financial statements to evaluate liquidity, leverage, cash flow, and overall creditworthiness for middle‑market and commercial clients.
- Prepared financial spreads and cash flow models to support bankers in structuring and negotiating credit opportunities.
- Conducted due diligence and industry research to support underwriting, annual reviews, and credit renewals.
- Managed a portfolio of more than five commercial relationships, providing timely insights to bankers and credit officers.
- Responded quickly to internal and external requests, demonstrating strong communication and problem‑solving skills.
- Identified risk trends and provided recommendations to strengthen credit structures and mitigate exposure.
Client Relationship Associate
Vanguard
07.2022 - 09.2022
- Delivered high‑quality customer service by assisting clients with account‑related inquiries and providing clear, accurate financial guidance.
- Obtained SIE, FINRA Series 7, and Series 63 licenses (Series 7 and 63 previously held), demonstrating strong technical aptitude and commitment to professional development.Obtained SIE, FINRA Series 7, and FINRA Series 63 licenses to acquire proper certifications-Series 7 and 63 have expired.
- Collaborated with clients to assist with their account-related needs
Junior Summer Experience Intern
S&P Global
New York
07.2020 - 07.2020
- Participated in a credit rating assignment for a major automotive company, analyzing financial statements and presenting findings to senior analysts.
- Conducted SWOT analysis and evaluated industry trends to support credit rating decisions.
- Gained exposure to multiple financial divisions, including Credit Ratings, Market Intelligence, Platts, and Dow Jones Indices.
Education
Bachelor of Science - Finance, Value Investing, Banking and Financial Systems
The University of Alabama, Culverhouse College of Business
Tuscaloosa, AL05.2022
Skills
- Commercial Credit Analysis
- Portfolio Review & Monitoring
- Client Relationship Support
- Risk Assessment & Mitigation
- Financial Statement Interpretation
- Cross‑Functional Collaboration
- Treasury & Lending Support Exposure
- Microsoft Office (Excel, Word, PowerPoint)
Timeline
Credit Product Officer, Assistant Vice President
BankUnited
03.2025 - Current
Credit Products Analyst
BankUnited
09.2022 - 03.2025
Client Relationship Associate
Vanguard
07.2022 - 09.2022
Junior Summer Experience Intern
S&P Global
07.2020 - 07.2020
Bachelor of Science - Finance, Value Investing, Banking and Financial Systems
The University of Alabama, Culverhouse College of Business