Franklin Rochez
Fairfield,CT
Summary
Experienced Credit Analyst with the capability to develop methodologies that predict future risk behaviors. Seeking an opportunity to bring further success to an organization through exemplary attention to detail and an understanding of regulatory procedures.
Overview
7
7
years of professional experience
Work History
Junior Credit Analyst, Officer
Sumitomo Mitsui Trust Bank
New York, NY
09.2021 - Current
- Analyzed current market conditions and assessed impact on existing loans and new loan requests.
- Participated in regular meetings with senior management to discuss credit decisions.
- Coordinated with internal teams such as legal department and operations team while processing loans.
- Participated in training sessions designed for junior analysts on topics such as KYC regulations.
- Attended industry conferences and seminars to stay up-to-date with latest developments in banking sector.
- Reviewed loan applications, credit reports, and financial statements to determine customer's repayment capacity.
- Performed credit analysis and developed financial models to assess the creditworthiness of potential borrowers.
- Conducted in-depth research on industry trends and company performance to evaluate the risk profile of clients.
- Identified opportunities for improving processes related to credit approval process.
Closing Officer, Assistant Officer
Sumitomo Mitsui Trust Bank
New York, NY
02.2019 - 08.2021
- Responsible for preparing, and tracking documentation for over 170 customer
- Work with 6 Credit Analyst teams and loan operation team to prepare settlement documentation
- Carried out pre-funding and funding functions for more than 20 closes per month
- Worked with Administrative agents to ensure effective loan closing and payment compliance
- Coordinate with attorneys for the review of legal loan documents
- Worked with Accountants to ensure borrowers were in compliance with FATCA requirements.
- Reviewed loan documents and closing instructions to ensure accuracy and completeness.
- Ensured that all legal requirements were met prior to closing transactions.
- Worked with credit analysts and loan origination team to prepare settlement documentation packages.
- Reviewed client documentation and contracts for discrepancies and mistakes.
Treasury Operations
Sumitomo Mitsui Trust Bank
New York, NY
05.2017 - 02.2019
- Created and verified over 50+ payments through SWIFT Alliance and Fed Advantage system on a daily basis
- Processed daily activities for 10+ Money Market trades and 500+ FX deals
- Monitored daily 10+ CD and CP trade activities, ensure deals have processed and funds are managed in excess of $500M
- Monitored cash movements for the entire bank on a daily basis in excess of $5B
- Demonstrated leadership by making improvements to work processes and helping to train new employees for Money Market, FX, and CLS deals.
Education
Bachelor of Business Administration - Finance & Investments
Baruch College, Zicklin School of Business
New York, NY05-2017
Skills
- Proficient in Microsoft Office (Word, Excel, PowerPoint)
- Spanish (Verbal)
- Portfolio Management
- Market Trend Analysis
- Loan Underwriting
- Financial Statement Review
- Cash Flow Analysis
Additional Information
Real estate investor with long-term rental properties in Westchester county and Connecticut; actively viewing properties within the Tri-state.
Hobbies and Interests
Real Estate, Financial Markets
Timeline
Junior Credit Analyst, Officer
Sumitomo Mitsui Trust Bank
09.2021 - Current
Closing Officer, Assistant Officer
Sumitomo Mitsui Trust Bank
02.2019 - 08.2021
Treasury Operations
Sumitomo Mitsui Trust Bank
05.2017 - 02.2019
Bachelor of Business Administration - Finance & Investments
Baruch College, Zicklin School of Business
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