Hector Zubieta, MBA
New Braunfels - San Antonio ,Texas
Summary
Talented individual with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. I am currently conducting CECL ACL and other specials projects for the bank.
Overview
5
5
years of professional experience
Work History
Commercial Real Estate Closer
Schertz Bank & Trust
Schertz, Texas
12.2023 - Current
- Correspond with title companies, real estate attorneys, realtors, and brokers to obtain closing documentation
- Communicate effectively with loan originators/officers, loan processors, and underwriters and management
- Review title commitment to ensure lien will be in first lien position and clear of violations, encroachments, tax liens, judgment liens, and other possible liens
- Review hazard and general liability insurance, flood insurance, appraisals, environmental reports and other information to confirm compliance
- Maintain a high level of accuracy and professionalism while managing a large caseload of loans, consistently meeting or exceeding performance targets.
- Coordinate scheduling of closings between buyers, sellers, attorneys, and lenders for a smooth transaction experience.
- Maintain compliance with federal and state regulations, ensuring each mortgage transaction adhered to established guidelines.
- Verify closing financial disclosure amounts against HUD and TRID to accurately reflect borrowers' bottom-line costs.
Commercial Credit Analyst
Schertz Bank & Trust
Schertz, Texas
01.2020 - 12.2023
- Managed a portfolio of 200+ public and private companies with credit lines/loans from $100K and $20M
- Reviewed financial statements and tax returns and prepared GDSCR and risk analysis reports for commercial loan officers
- Performed an on-going annual reviews of the business loan portfolio, ensuring that all applicable loans are reviewed annually
- Inputs financial (spreading) and tax data on software/spreadsheets
- Collaborated with cross-functional teams, ensuring accurate credit evaluations for potential clients.
- Provided support in structuring complex transactions, balancing risk exposure with business growth objectives.
- Assisted in developing strategies to minimize non-performing loans and optimize portfolio quality.
- Conducted financial statement analysis to determine borrowers'' creditworthiness and repayment capacity.
Personal Banker I
Wells Fargo Bank at Wiseman Campus
San Antonio, Texas
06.2019 - 12.2019
- Provided advice on personal loans, time deposits, and DDA accounts to help ensure customers were best able to reach their financial goals
- Expanded customer relationships by maintaining a regular follow-up process and building rapport with each customer
- Worked closely with management to strategize sales techniques to increase branch production and customer service
- Interface with 50+ banking customers per week, manage accounts, identify business opportunities, and upsell retail banking products based on customer needs
Education
Master of Business Administration - MBA - Finance
University of Houston - Victoria
Victoria, TX12.2021
Skills
- CECL ACL analysis
- Analytical
- Problem-solving
- Loan structuring
- Credit analysis
- Teamwork and Collaboration
- Time Management
- Attention to Detail
- Loan Servicing
- Real estate knowledge
Timeline
Commercial Real Estate Closer
Schertz Bank & Trust
12.2023 - Current
Commercial Credit Analyst
Schertz Bank & Trust
01.2020 - 12.2023
Personal Banker I
Wells Fargo Bank at Wiseman Campus
06.2019 - 12.2019
Master of Business Administration - MBA - Finance
University of Houston - Victoria