Mario Nava
Richmond
Summary
Seasoned Vice President with 25 years in portfolio oversight and loan management. Delivered compliance measures and strengthened client communication, enhancing risk assessment and portfolio performance. Expertise in financial analysis, risk management, and regulatory compliance, with a focus on managing SBA portfolios to optimize loan performance.
Overview
30
30
years of professional experience
Work History
Vice President
Comerica Bank
Houston
10.1999 - Current
- Evaluated financial instruments using bank tools for informed decision-making.
- Monitored SBA portfolio of loans sold on secondary market and held at bank, identified risks, and applied risk rating tools to downgrade loans.
- Made contact with bank clients on regular basis to discuss past due status and recommended potential solutions to internal and external customers.
- Coached junior team members on best practices for effective SBA portfolio management, enhancing team capabilities.
- Performed due diligence on potential risky loans and advised if management of loan status before recommending liquidation of loans and to ensure compliance with regulations.
- Attended industry events to stay abreast of developments in the sector.
- Implemented compliance measures to ensure portfolio management practices met regulatory standards.
- Coordinated approval of servicing actions on Terms loans and advised on small SBA express loans lines of credit to safeguard the SBA guarantee.
AVP Construction Lending
Houston Savings Bank
Houston
01.1996 - 09.1999
- Managed lending operations to ensure regulatory compliance and customer satisfaction.
- Oversaw loan processing and underwriting to streamline approval timelines.
- Evaluated loan applications to assess risk and determine eligibility criteria.
- Facilitated communication between clients and financial institutions to enhance loan management efficiency.
- Approved underwriting for consumer loans, lines of credit, and home equity.
- Oversaw loan process from origination through closing to check that every client received exemplary service.
- Provided recommendations after completing loan analysis for prospects.
- Resolved borrower disputes regarding existing loan terms or delinquency status.
- Ensured all documentation is accurate and complete prior to funding any loans.
- Conducted credit investigations to assess customer financial condition, collateral value and payment history.
- Monitored post-closing activity such as payments received, insurance coverage, title requirements.
- Prepared detailed reports on portfolio performance and loan pipeline to support informed decision-making.
- Implemented targeted strategies to reduce delinquencies through proactive engagement with delinquent borrowers.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
Education
BBA - Accounting
Houston Baptist University
Houston, TX06-1990
HS Diploma
The Kinkaid High School
Houston, TX06-1985
Skills
- Financial analysis
- Risk management
- Portfolio oversight
- Credit analysis
- Regulatory compliance
- Loan underwriting
- Customer relationship management
Languages
Spanish
Professional
Accomplishments
Top performer award in SBA Management 2010, 2013
Affiliations
Kids soccer coach volunteer
Timeline
Vice President
Comerica Bank
10.1999 - Current
AVP Construction Lending
Houston Savings Bank
01.1996 - 09.1999
BBA - Accounting
Houston Baptist University
HS Diploma
The Kinkaid High School