Commercial underwriting professional with extensive experience in evaluating financial statements and determining risk levels for Commercial lending, prepared for challenging roles in risk assessment and financial analysis. Proven expertise in evaluating complex financial data and ensuring compliance with regulatory standards. Strong focus on team collaboration and achieving results, adapting seamlessly to changing needs. Achieved high levels of underwriter certification after completing Credit College at Comerica Bank, demonstrating commitment to professionalism and continuous learning. Received multiple awards for outstanding performance in the past 3 years.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Commercial Underwriter - Business Banking
Comerica Bank
02.2025 - Current
Prepared & documented RECAPs for different type of Businesses, Low, medium and high risk, requesting different types of loans up to $3MM in exposure for different purposes, included approval & denial recommendations by determining accurate risk levels.
Streamlined underwriting processes for increased efficiency and accuracy in evaluating Businesses Loan applications.
Analyzed credit, compliance, Business Income, Financial statements, and appraisals during underwriting process.
Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Evaluated loan applications for affordability and conformance with underwriting guidelines.
Generated RECAPs and prepared documentation for credit relationships, ensuring accuracy in credit facilities, while conducting background checks including OFAC screenings.
Risk Rating Reviews preparation, Delinquent Statement Report, Past Due Loans, Covenant Exception Report, Input Risk Rating Changes/Updates.
Enhanced monitoring of financial statements to identify inconsistencies in individual and business financial statements spreading and tracking.
Conducted business and financial analysis by preparing credit quality review packages and analyzing data.
Credit Risk Senior Analyst
FransaBank SAL
12.2017 - 04.2021
Successfully fulfilled the responsibilities of multiple positions such as a Credit Risk Analyst, Relationship Banker and Teller.
Other Roles
Education
MBA - Management Administrative Science & Leadership