Hector Rodriguez
Roosevelt,NY
Summary
Analytical professional with strong background in financial modeling and risk management. Skilled in providing financial consultations and solutions for businesses of all sizes. Astute candidate develops new strategies and processes to optimize financial operations, with a genuine passion for lending in all levels including Commercial & Industrial & Asset Base Lending.
Overview
6
6
years of professional experience
Work History
Credit Analyst/ Underwriter
Flagstar Bank
08.2023 - Current
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Assessed credit risk and analyzed financial statements.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Made decisions and recommendations about extending lines of credit.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement
Credit Analyst/Underwriter
Flagstar Bank
03.2023 - 05.2023
- Orchestrated client-centered financial packages factoring in current market trends.
- Researched macroeconomic, industry and company-specific data to inform investment decisions.
- Presented oral and written reports on general economic trends, individual corporations and entire industries.
- Created and maintained precise and accurate models, charts and reports.
- Participated in client meetings to discuss financial analysis and investment strategies.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews
- Attended credit-related training and conferences to stay informed about industry trends and developments
- Made decisions and recommendations about extending lines of credit
Credit Analyst/Underwriter
Signature Bank
10.2022 - 03.2023
- Researched macroeconomic, industry and company-specific data to inform investment decisions.
- Orchestrated client-centered financial packages factoring in current market trends.
- Reviewed and analyzed project spending throughout project life cycle.
- Created and maintained precise and accurate models, charts and reports.
- Developed financial models to assess potential investments and identify potential risks.
Client Associate
Signature Bank
10.2021 - 10.2022
- Leveraged knowledge of stock prices and trending changes to optimize collateral approaches.
- Developed strategies to improve processes and reduce costs.
- Partnered with high net worth customers and private bankers to answer complex questions and solve operational issues while delivering superior customer service.
- Handle all operational issues, including audit requests and reviews.
- Responsible for reconciliation of general ledgers, and ensuring compliance with wire transfers policies and requirements.
Personal Banker
Citibank, NA
11.2017 - 03.2021
- Answered customer questions and explained available services such as deposit accounts and lending products.
- Utilized customer relationship management software to provide accurate and complete customer service.
- Cross-sold bank products and services to meet customer needs and provide options.
- Expanded client base by promoting new financial products.
- Promoted financial products by maintaining excellent service offering knowledge.
- Provided customers with additional information regarding account services.
- Collected customer information and completed new account forms.
- Managed over 20 customer calls per day.
Education
Associate of Science - Business Administration And Management
Briarcliffe College
Bethpage, NY05.2012
Skills
- Policy and Procedure Adherence
- Credit Decisions
- Appraisal Reports
- Real Estate Loans
- Financial Spreadsheets
- Bank Secrecy Act
- Residential Appraisals
- Client Relationships
- Business Deal Underwriting
- Conducting Risk Assessments
- Commercial and credit loans
- Risk Mitigation Strategies
- Statement Review
- Credit Risk
- Credit Analysis
Languages
Spanish
Native or Bilingual
Timeline
Credit Analyst/ Underwriter
Flagstar Bank
08.2023 - Current
Credit Analyst/Underwriter
Flagstar Bank
03.2023 - 05.2023
Credit Analyst/Underwriter
Signature Bank
10.2022 - 03.2023
Client Associate
Signature Bank
10.2021 - 10.2022
Personal Banker
Citibank, NA
11.2017 - 03.2021
Associate of Science - Business Administration And Management
Briarcliffe College