Maria Mireles
Tyler
Summary
Results-driven banking professional with background in commercial and consumer lending, underwriting and retail banking. Strong focus on team collaboration, ensuring reliable performance and adaptability to changing requirements. Expertise in credit analysis, risk management, and customer relationship building. Known for achieving results and driving financial growth.
Overview
11
11
years of professional experience
Work History
AVP, Relationship Manager
Austin Bank
03.2023 - Current
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Generated revenue growth by successfully closing deals on loans, lines of credit, mortgages, and other banking products and deposit products.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
- Expanded client base through effective networking and referral generation, leading to increased business opportunities.
Banking Officer, Portfolio Manager
Austin Bank
06.2021 - 03.2023
- Provided support to Relationship Managers in the form of technical and analytical responsibilities
- Conducted timely reviews of existing credits ensuring compliance with covenants, terms, and conditions stipulated in loan agreements.
- Enhanced portfolio performance through regular monitoring of credit exposure, industry trends, and market conditions.
- Streamlined the loan approval process by effectively collaborating with sales, underwriting, and operations teams.
- Participated in loan committee meetings to provide input on lending processes.
Senior Credit Analyst
Austin Bank
02.2017 - 06.2021
- Gathered loan documentation for underwriting.
- Conducted thorough financial statement analysis for accurate assessment of borrowers'' repayment capacity and financial health.
- Offered insight to upper management regarding credit decisions.
- Supported junior analysts with training sessions on advanced analytical techniques, fostering an environment conducive to learning and professional growth.
- Conducted thorough financial statement analysis for accurate assessment of borrowers'' repayment capacity and financial health.
Bank Teller
Austin Bank
02.2014 - 02.2017
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
Education
MBA - Business Administration
University of Texas At Tyler
Tyler, TX05-2018
Bachelor of Arts - Finance
University of Texas At Tyler
Tyler, TX12-2016
Skills
- Relationship management
- Underwriting standards
- Credit risk assessment
- Adaptability and flexibility
- Loan processing coordination
- Cash flow analysis
- Underwriting
- Portfolio monitoring
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
AVP, Relationship Manager
Austin Bank
03.2023 - Current
Banking Officer, Portfolio Manager
Austin Bank
06.2021 - 03.2023
Senior Credit Analyst
Austin Bank
02.2017 - 06.2021
Bank Teller
Austin Bank
02.2014 - 02.2017
MBA - Business Administration
University of Texas At Tyler
Bachelor of Arts - Finance
University of Texas At Tyler
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