JESUS OROZCO
Salinas,CA
Overview
23
23
years of professional experience
Work History
SVP Credit Administrator
Pacific Valley Bank
Salinas, CA
01.2020 - Current
- Manage the credit department (6 underwriters) responsible for loan structuring, financial analysis, loan underwriting and appraisal process.
- Responsible for compliance with FDIC guidelines / Bank Policy and responses to 3rd party reviewers and auditors.
- Coordinated with lenders, loan documentation and Chief Credit Officer to structure loans, prioritize workflow, assign loans and manage approval process.
- Responsible for quarterly problem loan reports.
- Coordinated with legal and the CCO to pursue collections or restructure existing credit.
AVP Underwriting
American Ag Credit
Salinas, CA
01.2014 - 01.2020
- Underwrote Ag related loans, real estate, construction (processing plants and H2A housing), equipment purchases/leases, development loans (wine grapes, nuts, bush berries), and operating lines.
- Loan requests varied in size to meet the needs of small sole proprietors to vertically integrated multi-national corporations.
AVP Financial Analyst III
Rabobank
Salinas, CA
01.2013 - 01.2014
- Underwrote new loans, renewals and annual reviews for the Real Estate Investment Group and Middle Market Group (up to $25MM).
- Responsibilities included: Compliance with underwriting guidelines & credit policy.
- Cooperation with Relationship Managers to ensure loan request met the Bank's credit standards.
- Communicated with customers via phone, e-mail or in person to gather additional information to complete loan requests.
AVP Portfolio Manager
Pacific Capital Bancorp
Salinas, CA
01.2004 - 01.2013
- Collected and analyzed financial statements and underwrote credit proposals for credit requests.
- Assisted salesperson with credit structure and risk rating of Ag Loans (crop lines, land purchase, labor contractors), Commercial & Industrial Loans (ABL Formula Plans, Revolving Lines of Credit, Term Notes) & Commercial Real Estate Loans (owner occupied & investor).
- Conducted analysis and underwrote credit proposals for customer deadlines.
- Collected financials and coordinated with customers to complete loan documentation and reduce delinquencies.
- Managed portfolio to remain current on covenant compliance, annual review and other reporting.
Certified Tax Preparer
H&R Block
Salinas, CA
01.2003 - 01.2004
- Analyzed customer financial information and prepared their federal and state income taxes forms.
- Advised customers of future tax implications and cross sold other products and services.
Timeline
SVP Credit Administrator
Pacific Valley Bank
01.2020 - Current
AVP Underwriting
American Ag Credit
01.2014 - 01.2020
AVP Financial Analyst III
Rabobank
01.2013 - 01.2014
AVP Portfolio Manager
Pacific Capital Bancorp
01.2004 - 01.2013
Certified Tax Preparer
H&R Block
01.2003 - 01.2004
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