Jose Macario Palacios
Lutz ,FL
Overview
6
6
years of professional experience
Work History
Syndicated Loan Analyst
Mitsubishi UFJ Financial Group, Inc
12.2023 - Current
- Processed all loan-related activity—including drawdowns, rollovers, conversions, interest calculations, and fee management—ensuring accurate execution in compliance with credit agreements.
- Ensured lending transactions are processed timely, correctly, and in alignment with bank policies and procedures, effectively minimizing operational risks and financial losses.
- Maintained comprehensive knowledge of portfolios and deal documentation, serving as a subject matter expert for internal teams and external stakeholders.
- Demonstrated professionalism and a client-focused approach by communicating responsively, proactively, and reliably across multiple levels and parties.
- Processed outgoing loan-related payments through FED, CHIPS, and SWIFT systems, ensuring accuracy and compliance with settlement standards.
- Maintained and periodically updated customer/agent bank contact lists and special handling instructions to support accurate servicing.
- Investigated, reconciled, and resolved outstanding items in cash accounts, including past dues, suspense items, and break-funding charges.
- Coordinated with Middle Office, Front Office, and clients to secure necessary approvals for complex transactions.
- Managed multiple work queues simultaneously, prioritizing critical items while meeting deadlines.
- Handled inquiries from business lines, clients, and agent banks, delivering timely and accurate responses.
Underwriter
Suncoast Credit Union
05.2019 - 12.2023
- Conducted comprehensive evaluations of loan requests, ensuring alignment with application data, underwriting standards, and lending guidelines.
- Advised on alternative solutions for delinquent loans, partnering with the loss mitigation department to reduce risk exposure.
- Trained staff on identifying loan products tailored to members’ financial needs, enhancing cross-selling effectiveness.
- Supported frontline personnel with guidance on policy adherence, risk assessment, and effective lending strategies.
- Collaborated with indirect dealers to communicate loan decisions and recommend alternative products that meet client needs.
Skills
Risk management and analysis
Compliance monitoring
Credit Agreement & Loan Documentation Review
Syndicated loan portfolio monitoring
Collateral evaluation
Loan underwriting and credit scoring
FED, CHIPS, and SWIFT payment processing
Fraud detection
Client & Stakeholder Management
Cash account reconciliation
Timeline
Syndicated Loan Analyst
Mitsubishi UFJ Financial Group, Inc
12.2023 - Current
Underwriter
Suncoast Credit Union
05.2019 - 12.2023