Denise Luna
Fresno,CA
Summary
Senior Financial Analyst with over 4 years of expertise in project management, budgeting, risk assessment, and the end-to-end loan funding process, including documentation, and due diligence. Extensive experience in underwriting complex commercial, industrial, and real estate construction loans over $10M. Recognized for delivering high-quality credit decisions through a blend of qualitative and quantitative analysis, fostering collaboration, and attention to detail.
Overview
8
8
years of professional experience
5
5
Certifications
Work History
Senior Financial Analyst - Construction RE
United Security Bank
Fresno, CA
12.2021 - Current
- Manage diverse commercial projects, aligning with client objectives and market trends.
- Underwrite complex commercial real estate construction loans, producing data-driven credit memoranda that support sound decision-making.
- Oversee construction fund disbursement workflows, ensuring compliance with budget plans, and validating all lien releases.
- Facilitate cross-functional collaboration among relationship managers, credit administrators, and external partners (CPAs, appraisers, inspectors, and attorneys) to streamline approvals.
- Communicated complex financial insights and project updates effectively to stakeholders.
Financial Analyst
Wells Fargo
Fresno, CA
06.2019 - 12.2021
- Underwrote commercial, industrial, non-profit, and real estate construction loans, delivering clear, data-driven credit memorandums to support sound credit decisions.
- Analyzed borrower leverage, cash flow strength, repayment capacity, and key risk factors.
- Managed risk evaluation, loan structuring, documentation oversight, and closings.
Finance Assistant
Fresno State Office of Community & Economic Development
Fresno, CA
12.2017 - 06.2019
- Monitored project budgets, including grant-funded initiatives, to ensure accurate spending and compliance with funding requirements.
Education
Bachelor of Arts - Economics; Minor in Business Administration
California State University, Fresno
Fresno, CA12-2019
Associate of Arts - Criminology; Liberal Studies; Political Science
West Hills College Coalinga
Coalinga, CA01.2017
Skills
- Project management
- Budget tracking and management
- Deadline management
- Project underwriting - new or renewal
- Financial analysis
- Auditing procedures
- Project quality assurance and control
- Contract compliance
- Milestone tracking
- Professional stakeholder communication
- Clear written and verbal communication
- Prioritization and multitasking
- Regulatory compliance monitoring
- Appraisal and inspection coordination
- Title work coordination
- Legal documentation review
- Financial statement evaluation
- Borrower performance assessment
- Excellent attention to detail
- Time management
- Strong leadership
- MS office suite
Languages
Spanish
Native/ Bilingual
Certification
Commercial Lending School - California Community Banking Network
Timeline
Senior Financial Analyst - Construction RE
United Security Bank
12.2021 - Current
Financial Analyst
Wells Fargo
06.2019 - 12.2021
Finance Assistant
Fresno State Office of Community & Economic Development
12.2017 - 06.2019
Bachelor of Arts - Economics; Minor in Business Administration
California State University, Fresno
Associate of Arts - Criminology; Liberal Studies; Political Science
West Hills College Coalinga