Daniel Gallego
Jacksonville,FL
Summary
Commercial credit professional with strong background in financial analysis, risk assessment, and portfolio management. Known for delivering measurable results through strategic decision-making and effective problem-solving. Dependable team player who adapts quickly to changing needs and consistently supports collaborative efforts to achieve organizational goals. Proficient in credit evaluation, financial reporting, and client relationship management, with reputation for reliability and integrity.
Overview
10
10
years of professional experience
Work History
Commercial Credit Specialist II – Small Business Lending
Bank of America
06.2022 - Current
- Responsible for executing tasks related to end-to-end government small business credit.
- Manage pertinent credit request documentation into Bank and Government systems.
- Identify business financials document’s defects verifying compliance with policies.
- Prepare internal legal documents and validate operating quality assurance.
- Order & analyze commercial real estate due diligence items.
- Engage with the client team and leaders to coordinate the initial deal fulfillment process.
- Coordinate closing activities and schedule/collect & monitor client-related documents.
- Support partners & leadership on credit policies and best risk detection practices.
- Interact with clients to facilitate the fulfillment of required credit conditions promptly.
- Achieve over 95% accuracy average on processes review quality control.
Sr. Consumer Underwriter – Vehicle Lending
Bank of America
12.2018 - 06.2022
- Review auto & RV loan requests and make independently sound credit decisions.
- Process relevant information into systems & communicate customers with decisions.
- Review income & residence documents to certify compliance with policy & guidelines.
- Lead and implement actions to improve performance and metrics goals.
- Achieve 100% compliance quality in role.
- Collaborate with fulfillment units and leaders on funding delays solving different issues.
- Assess and identify fraud alerts, red flags & credit bureaus reporting discrepancies.
- Execute several types of compliance escalations taking ownership of the situation.
- Ensure timely and flawless credit decisions, delivering high volume of production.
- Receive several bronze & silver awards for various work effectiveness.
Mortgage Loan Officer
Bank of America
10.2015 - 12.2018
- Originated mortgage loans, while establishing high levels of client’s satisfaction & rapport.
- Demonstrated success managing metric goals while achieving excellent productivity.
- Responsible for all tasks related to end-to-end mortgage process to achieve results.
- Earned several acknowledgments for being a top & highly balanced producer.
- Gathered, researched, and analyzed various personal & small business financial records.
- Examined tax returns, business docs & researched other appraisal & public records.
- Created & executed neighborhood lending marketing campaigns to reach the market.
- Worked hard & promoted positive change to organize & prioritize different job tasks.
Education
Aviation Management
Vaughn College of Aeronautics And Technology
Flushing, NYSkills
- Loan structuring
- Credit scoring models
- Cash flow analysis
- Relationship management
Accomplishments
Outstanding Production Performance
I achieved 100% of my production targets in over a half of the year, demonstrating strong time management, focus, and the ability to consistently meet or exceed expectations—even during periods of high volume. This level of performance placed me among the top contributors on the team.
Bronze & Silver Awards
Throughout the past years, I've been awarded several Bronze & Silver awards because I collaborated effectively with teammates, shared knowledge to support others, and participated in discussions that helped refine team processes.
Languages
Spanish
Native or Bilingual
Timeline
Commercial Credit Specialist II – Small Business Lending
Bank of America
06.2022 - Current
Sr. Consumer Underwriter – Vehicle Lending
Bank of America
12.2018 - 06.2022
Mortgage Loan Officer
Bank of America
10.2015 - 12.2018
Aviation Management
Vaughn College of Aeronautics And Technology