ENEIDA SANTIAGO
Wesley Chapel,USA
Summary
Dynamic bilingual professional with over 27 years of expertise in Risk Management and Credit Policy, specializing in comprehensive risk assessment and verification processes. Proven ability to leverage exceptional organizational, analytical, interpersonal, and leadership skills to drive profitability and foster growth. Committed to excellence in navigating complex financial landscapes, ensuring effective decision-making and strategic planning. Fluent in English and Spanish, facilitating seamless communication in diverse environments.
Overview
24
24
years of professional experience
Work History
Credit Portfolio Officer - Vice President
Citigroup Inc.
New York/Tampa, Florida
01.2023 - 01.2025
- Conduct Records Management Review and ensure they were submitted on time to Corporate.
- Prepare part of Portfolio Quality review (PQR) and present them to Senior Management on monthly or quarterly basis.
- In charge of any Margin Calls for the portfolio, work a long Bankers and Brokers until their resolution.
- Responsible to comply, provide presentations and required documentations with Auditors (Internal- Office of the Comptroller of the Currency (OCC))
- Approve all loan requests as the Senior Underwriter with an approval credit limit of $2MM. Managed workflow ensuring underwriting steps were compliant with SLA’s and ensuring adherence to all policies and procedures.
- Review and execute management control assessments (MCA) for unit related processes, credit risks, and analytics and participated in the Annual Risk Assessment (ARA) and Regulatory Inventory Mapping (RIM) for policy and regulations and ensuring MCA was updated accordingly.
- Versed in handling CAP’s, Internal Audits and the team lead of process improvements of underwriting process and procedures and a Subject Matter Expert (SME) on Reg O, Reg B (ECOA), Reg W, Reg T, and knowledge on Regulations BI, Z, OCC & UDAAP.
- NYSE: C
Credit Portfolio Senior Analyst - Vice President
Citigroup Inc.
New York/Tampa, Florida
01.2018 - 01.2022
- Manage and supervise Team until new management was assigned
- Underwrite MSBF Regulation U loans in accordance with the Product Program which included a review of loan requests (non-purpose/purpose, single/multi draw loans), collateral evaluation, determining International Risk Ratings and Risk Acceptance Criteria for clients including the preparation of legal documentation.
- Ensure compliance with applicable laws, Regulations (Reg B, Reg O, Reg W), Citi’s policies, Product Program and USRB MSBF Business Credit Policy and Procedure Manual (BCPPM) and knowledge of Global Consumer Credit and Fraud Risk Policies (GCCFRP) during the underwriting process.
- Assist in Portfolio Management activities, including CA Annual reviews, CA exceptions, Obligor risk review and all related system maintenance.
- Review and execute management control assessments (MCA) for unit related processes, risks, and analytics and participated in the Annual Risk Assessment (ARA) and Regulatory Inventory Mapping (RIM) for policy and regulations and ensuring MCA was updated accordingly.
- NYSE: C
Risk Manager/Underwriter- Vice President
Citigroup Inc.
New York/Tampa, Florida
01.2017 - 01.2018
- Coordinate the initiation of new MSBF (liquid/diversified collateral) credit transactions.
- Conduct proper due diligence, follow standard underwriting guidelines within the framework of CPB Risk Core Credit Policies and procedures and the Global MSBF product program and the IPB MSBF Reg U Product Program (including KYC/CRF review, risk rating and collateral analysis, etc.) and complete the approval process on a timely basis.
- Prepare standard MSBF loan documentation and arrange with the banker teams and their clients to have documents properly executed and loans funded expeditiously.
- Prepare funding packages to be sent to our Delaware Administration Function as well as to Pershing, our collateral holder. Ensure funding process runs smoothly and follow through funding.
- Provide backup for other team members: CPBs US and LATAM portfolios.
- Ensure all assigned annual reviews are completed on schedule with minimal extensions/deferrals.
- Coach and advise Loan Request and Banker Teams on basic credit policies, procedures and product suitability/structure.
- Partner effectively with other product specialty teams: Letters of Credit, Admin in Delaware, Funding in Nassau, Bahamas and Pershing (our collateral partner)
- Manage deal pipeline database, coordinate accurate MIS for delivery to IPB/CPC seniors.
- Assist SVP with training and coach new employees.
- SME on Reg. T process
- Comply with all Fair Lending and other federal banking regulations, including proper notification standards and disclosure rules under ECOA/Regulation B.
- NYSE: C
Credit Analyst Officer/Underwriter - Assistant Vice President
Citigroup Inc.
New York/Tampa, Florida
01.2015 - 01.2017
- Coordinate the initiation of new MSBF (liquid/diversified collateral) credit transactions.
- Manage banker teams’ expectations to ensure timely completion of credit transactions within standard turnaround timeframes.
- Conduct proper due diligence, follow standard underwriting guidelines within the framework of CPB Risk Core Credit Policies and procedures and the Global MSBF product program and the IPB MSBF Reg U Product Program (including KYC/CRF review, risk rating and collateral analysis, etc.) and complete the approval process on a timely basis.
- Prepare standard MSBF loan documentation and arrange with the banker teams and their clients to have documents properly executed and loans funded expeditiously.
- Prepare funding packages to be sent to our Delaware Administration Function as well as to Pershing, our collateral holder. Ensure funding process runs smoothly and follow through funding.
- Provide backup for other team members: CPBs US and LATAM portfolios.
- Ensure all assigned annual reviews are completed on schedule with minimal extensions/deferrals.
- Coach and advise Loan Request and Banker Teams on basic credit policies, procedures and product suitability/structure.
- Partner effectively with other product specialty teams: Letters of Credit, Admin in Delaware, Funding in Nassau, Bahamas and Pershing (our collateral partner)
- Manage deal pipeline database, coordinate accurate MIS for delivery to IPB/CPC seniors.
- Assist SVP with training and coach new employees.
- Work on active projects and work with the MCAs developing testing
- NYSE: C
Credit Analyst Officer/Underwriter - Assistant Vice President
Citigroup Inc.
New York/Tampa, Florida
01.2014 - 01.2015
- Coordinate the initiation of new MSBF (liquid/diversified collateral) credit transactions.
- Manage banker teams’ expectations to ensure timely completion of credit transactions within standard turnaround timeframes.
- Conduct proper due diligence, follow standard underwriting guidelines within the framework of CPB Risk Core Credit Policies and procedures and the Global MSBF product program and the IPB MSBF Reg U Product Program (including KYC/CRF review, risk rating and collateral analysis, etc.) and complete the approval process on a timely basis.
- Prepare standard MSBF loan documentation and arrange with the banker teams and their clients to have documents properly executed and loans funded expeditiously.
- Prepare funding packages to be sent to our Delaware Administration Function as well as to Pershing, our collateral holder. Ensure funding process runs smoothly and follow through funding.
- Provide backup for other team members: CPBs US and LATAM portfolios.
- Ensure all assigned annual reviews are completed on schedule with minimal extensions/deferrals.
- Coach and advise Loan Request and Banker Teams on basic credit policies, procedures and product suitability/structure.
- Partner effectively with other product specialty teams: Letters of Credit, Admin in Delaware, Funding in Nassau, Bahamas and Pershing (our collateral partner)
- Manage deal pipeline database, coordinate accurate MIS for delivery to IPB/CPC seniors.
- Comply with all Fair Lending and other federal banking regulations, including proper notification standards and disclosure rules under ECOA/Regulation B.
- NYSE: C
Credit Officer & Credit Admin - Assistant Vice President
Citigroup Inc.
New York/Tampa, Florida
01.2012 - 01.2014
- Responsible to process for a MSBF Loan within the AHS/CPC Consumer Segment CPB U.S.
- Manage the AHS/CPC Banker teams’ expectations, set workflow schedules and priorities to ensure timely completion of credit transactions within standard turnaround timeframes.
- Prepare standard MSBF loan disbursement documentation by obtaining the proper documentations from Credit Underwriter in order to execute loans on the system and funded expeditiously.
- Provide backup for other team members: CPBs US and LATAM portfolios.
- Partner effectively with other product specialty teams: Underwriter Team, Collateral Monitoring Unit, Letters of Credit Department, and Funding in Nassau, Bahamas.
- Manage new loans, maintenance of existing portfolio; coordinate accurate MIS for delivery to AHS/CPC seniors.
- Manage AHS unsecured Overdraft request that are escalated to my attention (Based on my credit delegations for Consumer Banking)
- Lending Authority and responsible for:
- Credit Financials transactions up to $500,000.00
- Overdraft transactions up to $350,000.00 for all of our branches
- Overdraft transactions up to $50,000.00 on uncollected funds
- Consumer System Administrator Delegations & Exceptions Approval:
- Credit Financials transactions up to $5,000,000.00
- Revolving Lines $750,000.00
- Casual Overdraft (unsecured) $5,000,000.00
- Overdraft Uncollected Funds $750,000.00
- Comply with all Fair Lending and other federal banking regulations
- Crossed trained to assist Credit Underwriter
- NYSE: C
Credit Officer & New Account Supervisor
Citigroup Inc.
Tampa, Florida
01.2010 - 01.2012
- Supervision of the Account Opening Team for quality assurance, approval and completion of new accounts for NRA customers.
- Active member of the CPC Credit Migration to AHS
- Active on the RUSA BRD Project for Credit as AHS SME
- Back up for the Senior Credit Officers
- Back up for the Credit Director
- Worked for the initiative of AHS Credit Lending and PB-CS&C project in 2010
- Responsible for reviewing documentation and process loan applications for IPB customers (Executive Loan Program and Secured Program Individual Loans)
- Lending Authority and responsible for:
- Credit Financials transactions up to $500,000.00
- Overdraft transactions up to $350,000.00 for all of our branches
- Overdraft transactions up to $50,000.00 on uncollected funds
- Monitoring of the Overdraft transactions done by our branches to make sure they have been covered during the require time frame.
- Underwriter for loans up to my Credit Delegations
- Work independently and efficiently to achieve productivity on a timely manner
- Responsible to submit monthly reports for CIR in BASEL, VCP’s
- Responsible to provide training and presentations for new products for the Sales Forces
- Process the Antinori Process for Fraud Unit, work with Fraud Cases
- Review of documentation for Letter of Credits
- Review and update our procedures
- Monitoring Loans (past due, collections)
- Provide high quality service to our customers with questions regarding their loans
- Assist our Fraud Unit with their investigations
- NYSE: C
Credit Officer
Citigroup Inc.
Tampa, Florida
01.2006 - 01.2010
- Back up for the Senior Credit Officers
- Back up for the Credit Director
- Worked for the initiative of AHS Credit Lending and PB-CS&C project in 2010
- Responsible for quality assurance and approval of credit documentation
- Process loan applications for IPB customers (Executive Loan Program and Secured Program Individual Loans)
- Ensure that the Loan purpose was as clear as possible keeping in mind the Anti money laundry
- Underwriter for loans up to my Credit Delegations
- Lending Authority and responsible for:
- Approving Credit Financials transactions up to $500,000.00
- Approving Overdraft transactions up to $350,000.00 for all of our branches
- Approving Overdraft transactions up to $50,000.00 on uncollected funds
- Monitoring of the Overdraft transactions done by our branches to make sure they have been covered during the require time frame.
- Work independently and efficiently to achieve productivity on a timely manner
- Responsible to submit monthly reports for CIR in BASEL, VCP’s
- Responsible to provide training and presentations for new products for the Sales Forces
- Process the AntiNori Process for Fraud Unit, work with Fraud Cases
- Review of documentation for Letter of Credits
- Review and update our procedures
- Monitoring Loans (past due, collections)
- Provide high quality service to our customers with questions regarding their loans
- Assist our Fraud Unit with their investigations
- NYSE: C
Operations Supervisor
Citigroup Inc.
Tampa, Florida
01.2001 - 01.2006
- Supervise the Account Opening Unit for Individual, Business Accounts and Trust Accounts that we had follow the KYC policies and regulatory policies (WORLD Check, Factiva, AML, Patriot Act,etc.)
- Assist the manager in operating an efficient department. Handle daily problems concerning workflow; assure timely completions.
- Control all operational functions in the absence of the manager.
- Responsible for planning, organizing and controlling all operational functions for special projects to include: Campaign Templates, MasterCard, Third Party Collateral and Citiphone Account Opening
- Successfully participated in and implemented on-line system changes and enhancements resulting in increased efficiency during the CBNA conversion
- Responsible for approving wires, bill payments, foreign currency transactions. Approved most financial transactions with dollar limits to $ 100,000.00. Provide high quality operational support for Latin America, Asia, New York, San Francisco sites.
- Responsible for reviewing/approving/declining all secured Mastercard, Venezuela Portfolio for Open Credit and Term Program for Latin American countries. Liaison between Tampa Operations and Country Heads.
- Use internal MIS system for tracking quality and department productivity
- Review/approve unit’s time sheets, vacation, day/monthly one on one meeting, twice a year Employee Appraisals, and monthly self-assessments and keep control of departmental supplies.
- Member of the Activity Committee Team.
- NYSE: C
Education
Business Administration – Management, Technology in Chemical Engineering, ROTC Program (Executive and Training Officer) – Military Science 4 yrs program
University of Puerto Rico
Arecibo, Puerto RicoSkills
- Highly proficient knowledge of Microsoft WORD, Excel, Power Point, Access, CBNA system, CSSA, CSSA, AS400, Citismart, FXL Link, CHRIS Payroll System, Exceller, BASEL II, ACAPS One Source, OLOD, Credit Platform, FlexCube
Accomplishments
- Citibank Volunteer Award – USA Presidential Volunteer Bronze Award 2023
- Citibank, Leadership Training Program – Certification Program – April 2022
- Citibank, LACB - International Personal Banking – Real Time Award for Develop MIS Production &. Quality per employee and per Unit - 2005
- Citibank, LACB - International Personal Banking – Real Time Award for Master Card 2004
- Citibank, LACB - International Personal Banking – Certificate Award for Above & Beyond
- Citibank, LACB – International Personal Banking – Employee of the Month – February 2002
- Citibank – Olympic Team Award 1998 & 1999, Olympic Award & Bravo Award
- Chase Manhattan Bank – MVP of the month
Foreign Languages
Fluent in Spanish & English; written and oral
Timeline
Credit Portfolio Officer - Vice President
Citigroup Inc.
01.2023 - 01.2025
Credit Portfolio Senior Analyst - Vice President
Citigroup Inc.
01.2018 - 01.2022
Risk Manager/Underwriter- Vice President
Citigroup Inc.
01.2017 - 01.2018
Credit Analyst Officer/Underwriter - Assistant Vice President
Citigroup Inc.
01.2015 - 01.2017
Credit Analyst Officer/Underwriter - Assistant Vice President
Citigroup Inc.
01.2014 - 01.2015
Credit Officer & Credit Admin - Assistant Vice President
Citigroup Inc.
01.2012 - 01.2014
Credit Officer & New Account Supervisor
Citigroup Inc.
01.2010 - 01.2012
Credit Officer
Citigroup Inc.
01.2006 - 01.2010
Operations Supervisor
Citigroup Inc.
01.2001 - 01.2006
Business Administration – Management, Technology in Chemical Engineering, ROTC Program (Executive and Training Officer) – Military Science 4 yrs program
University of Puerto Rico
CONTACT
- (813) 469 - 1750
- ESant8619@gmail.com
- LinkedIn Link
- 3118 Steeplechase Rd.
- Wesley Chapel, FL 33543