EDUARDO GALLARDO
Miami,FL
Summary
Graduate of Florida International University with a degree in Business Administration and Management, bringing over 10 years of banking experience. Highly proficient in Excel and the full Microsoft Office suite, along with extensive expertise in various banking software systems. Trilingual in Spanish, English, and German.
Overview
7
7
years of professional experience
Work History
C&I/CRE Credit Analyst
Bradesco Bank
Coral Gables, Florida
11.2022 - Current
- Underwrite and structure C&I loans for a diverse portfolio of domestic and international corporate clients, including working capital lines, revolving facilities, term loans, and trade finance.
- Lead comprehensive credit analysis for syndicated loan participations, coordinating with agent banks and evaluating deal structures, covenant packages, and borrower performance to support approval recommendations.
- Perform country analyses for nation’s on the bank’s exposure list, evaluating macroeconomic indicators, sovereign risk, banking sector stability, and overall geopolitical environment to assess credit quality and lending limits.
- Analyze and evaluate creditworthiness of clients for domestic CRE loans, including multi-family, office buildings, owner-occupied, vacant land, pre-construction, warehouses, hotels, etc.
- Conduct annual loan term reviews for existing loans to ensure compliance with loan agreements and identify any potential risks.
- Analyze credit requests for alternative lines of credit (Credit Cards, PWM, TD's, SCL's, etc) for the bank’s clientele.
- Led large-scale projects that streamlined and modernized credit analysis processes
- Utilize Moody’s, Fitch, S&P, and internal risk rating models to support ongoing risk management and portfolio monitoring across sectors and jurisdictions.
Commercial Credit Analyst (Contractor)
Itau Bank
Brickell, Florida
09.2021 - 11.2022
- Underwrite and structure commercial real estate loans, including syndications, refinances, etc for properties such as multifamily, retail, office buildings, and industrial properties.
- Conducted presentations to upper management and executive teams for loan recommendations on any loan valued greater than $1MM USD.
- Became proficient with underwriting systems such as Calyx Point, Encompass, Olympic and analytics platforms such as Moody's and Fitch to ultimately generate 1003s and 1008s for distribution to the corresponding department heads.
Junior Credit Analyst
Terrabank N.A
Coral Gables, Florida
06.2018 - 09.2021
- Analyzed and underwrote multimillion-dollar Residential Real Estate loans with experience in Commercial Real Estate transactions, presenting them to the President and Board of Executives, while conducting comprehensive evaluations of income, DSCR, loan-to-value ratios, and various other factors to make informed underwriting decisions for individuals and corporations.
- Analyzed both domestic and international financial statements including rent rolls, corporate and personal tax returns, credit reports, K-1's, P&L sheets, balance sheets, etc to determine level of risk involved for extending credit.
- Spearheaded a team in processing of hundreds of SBA PPP Forgiveness loans within a designated due date.
- Produced annual analysis reports on the geopolitical and financial outlook of various countries to assess exposure risks associated with lending to international clients.
Education
BBA - Business Administration And Management
Florida International University
Miami, FL04.2019
Languages
English
Native or Bilingual
Spanish
Professional Working
German
Full Professional
Portuguese
Elementary
Timeline
C&I/CRE Credit Analyst
Bradesco Bank
11.2022 - Current
Commercial Credit Analyst (Contractor)
Itau Bank
09.2021 - 11.2022
Junior Credit Analyst
Terrabank N.A
06.2018 - 09.2021
BBA - Business Administration And Management
Florida International University