Juan Cervantes
Dallas,TX
Overview
8
8
years of professional experience
Work History
Senior Credit Risk Analyst
Citibank
09.2022 - Current
- Preform credit analysis using both quantitative and qualitative factors. i.e authoring Annual Reviews, Quarterly Review, and Ad-Hoc Transactions
- Complete Risk Ratings Scorecards and recommendations
- Continuous monitoring of portfolio, including industry trends, impacts to relationships, and escalate potential credit issues
- Organize and facilitate credit discussions between different banking verticals
- Assess credit risk and analyzed financial statements..
- Comply with internal controls and government banking regulations. 0 Memos flagged by compliance.
Portfolio Manager, ABL Retail Finance
Bank Of America
01.2021 - 08.2022
- Responsible for 22 Commercial accounts, Private & Publicly Traded Companies
- Receive, Review and Post financial statements, borrowing base certificates, Field Exams, Appraisals, etc.
- Responsible for providing Risk Ratings and ongoing monitoring and maintenance of accounts
- Assist in underwriting and structuring of credit transactions; closed on deals ranging from sole-agent $175MM to syndicated $2.2Bn facilities.
- Work on renewals/extensions, new exposures to existing clients and loan modifications
- Participate in internal credit approval process and review and assist in preparation of Term Sheets, Deal Screens, and CAMs
- Review loan documentation and participate in closing process, including coordinating with Credit Services and involvement in documentation/closing discussions
- Act as general market resource at discretion of Credit Officer for maintenance and monitoring responsibilities on credit relationships
- Deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements
Commercial Support Specialist, Dealer Finance
Bank Of America
01.2019 - 12.2020
- Primary partner and analysis resource for relationship managers as it relates to their portfolio
- Analyze and offers client deepening opportunities, identifies potential revenue run-off or increases and makes appropriate recommendations Identify and accuracy
- Coordinate Client Management Process (CMP) activities including monthly team meetings, regular updates to Client Action Plans, pre-call planning and client planning session preparation
- Maintain primary responsibility for Navigator coverage including deal team participants, client contact info, deal pipeline, industry/legal codes, and systems of record linkages with efficient timeliness, completeness and accuracy
- Process KYC by ensuring timely and accurate compliance to policy and regulatory requirements
- Bank Initiatives: DFS Digital Champion and CSS Op-Ex contributor
Financial Analyst
Fidelity Investments
11.2017 - 12.2018
- Complete contract setups, reviews, and processes pertaining to billing clients
- Establish and maintain internal and external relationships with business partners to support issue resolution, access resources and achieve business goals
- Identify and deliver process business need enhancements for efficiency and accuracy
- Provide root cause analysis and insight into issue resolution
- Maintain and update procedure documentation
- Perform data analysis, case management and complex problem solving
High Net Worth Trader
Fidelity Investments
07.2015 - 10.2017
- Develop fluency in core managed account program to get clients into right solutions for their specific situation
- Process customer requests to include options, equities, mutual funds and fixed income trades and other monetary requests
- Embrace metrics that drive business results measured conversion rates and retention rates as KPI's
- Provide expertise pertaining to retirement, taxation, and developments in the market to potential clients & discuss Fidelity's products and services
Education
Graduate Finance Certificate - Finance
Southern Methodist University
Dallas, TX03.2017
Bachelor of Arts - Business Management
Dallas Baptist University
Dallas, TX05.2011
Skills
- Microsoft Office applications
- Financial statements expertise (Public & Private)
- Financial Spreading
- Credit Memo Author
- S&P Global / Bloomberg Terminal
- SAP Business Objects
- SQL & Tableau
- FINRA Series 7 & 63 (currently not registered)
Languages
Spanish
Korean
Timeline
Senior Credit Risk Analyst
Citibank
09.2022 - Current
Portfolio Manager, ABL Retail Finance
Bank Of America
01.2021 - 08.2022
Commercial Support Specialist, Dealer Finance
Bank Of America
01.2019 - 12.2020
Financial Analyst
Fidelity Investments
11.2017 - 12.2018
High Net Worth Trader
Fidelity Investments
07.2015 - 10.2017
Graduate Finance Certificate - Finance
Southern Methodist University
Bachelor of Arts - Business Management
Dallas Baptist University