Summary
Overview
Work History
Education
Skills
Timeline
BusinessAnalyst
Michelle Sanchez-Zwerin

Michelle Sanchez-Zwerin

AVP, Commercial Underwriter I
Wellington,FL

Summary

Dependable professional with extensive experience supporting executive level management including Chief Financial Officer and Senior Credit Officers. Respected for organizational and interpersonal aptitudes, implementation of analytical skills,and expertise in underwriting procedures. Specialized in Commercial Real Estate, Commercial Construction, and C&I Loan underwriting, analysis, management and administration.

Overview

17
17
years of professional experience

Work History

Commercial Underwriter I, Assistant Vice President

Seacoast Bank (Formerly Professional Bank)
Royal Palm Beach / Hybrid, Florida
06.2021 - Current
  • Supports Lending Officers and Senior Credit Officer through underwriting analysis, collateral analysis, ratio calculations, and other requested underwriting and credit support for new loans, renewals, and annual reviews.
  • Researches and analyzes pertinent financial documents and information for existing and potential commercial clients.
  • Creates flexible loan pricing models to better understand financial scenarios and opportunities.
  • Collects all necessary client prepared information and completes internal financial statement spreadsheets and projections of client financial condition.
  • Provides research into industry trends and evaluates market data impacting business of prospective clients.
  • Prepares and presents to Loan Officers and Senior Credit Officer written credit memoranda for credit approval, ensuring all credit policy guidelines are adhered to and deviations are properly noted with valid supporting factors.
  • Works closely with Lending Officers to appropriately underwrite and structure new loan requests and existing loans being renewed.
  • Exercises discretion and independent judgment when underwriting credit files, utilizing approval authority up to $500M.
  • Monitors and reports to Senior Credit Officer and Loan Officers on covenant compliance for assigned loans. Interacts with other partners to report non-compliance to appropriate lending staff.
  • Provides questions to Lending Officers that need to be addressed with borrowers to clarify changes in financial trends, management, and overall company and its operations.
  • Attends Prospect Meetings and participates in joint calls with Lending Officers to gather information for credit underwriting purposes as needed. Assists Lending officers in pricing and deal structure when appropriate.
  • Ensures data quality and data entry into loan system (nCino) for assigned pipeline.
  • Assists in Portfolio Management functions.
  • Facilitated creation of governance policy for adoption by board of directors and committee chairperson

Commercial Loan Portfolio Manager II, AVP

IBERIABANK
Jupiter / Hybrid, Florida
01.2017 - 06.2021
  • Managed diverse portfolio of all Palm Beach County and Broward County commercial loans including lines of credit, term loans, real estate loans. Also managed loan portfolio of luxury yachts and private aircraft for Miami-Dade. Responsible for annual reviews, renewal and increase requests, covenant testing, compliance and credit integrity.
  • Initiated, performed financial analysis and risk rating, and presented loans for approval and negotiated terms and conditions with existing borrowers.
  • Created and maintained financial data tracking and analysis worksheets and customized reports in nCino for enhanced monitoring and controls.
  • Communicated market developments, portfolio changes and annual performance information to Lenders and Senior Management.

Loan Specialist

The Kolter Group
West Palm Beach, Florida
03.2013 - 01.2017
  • Created, coordinated, managed, and implemented loan funding department and processes to meet required cash management and A/P cycle timing deadlines.
  • Established and /Maintained relationships and served as main point of contact with lending institutions for loan funding processes.
  • Completed data analysis/collection in regards to existing facilities and alerted of potential loan funding issues that may have triggered loan modification needs by utilizing detailed analysis tools.
  • Reviewed and provided guidance to Capital Markets on draft loan documentation for new facilities and existing facility modification.
  • Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
  • Produced periodic loan funding analysis reports including support documentation to management.
  • Coordinated with Project Accountants, prepared and submitted funding draw requests on time with all required documentation to lenders.
  • Prepared cash funding status reports to VP of Accounting & Finance to assess need for capital calls.
  • Provided to lenders and Director of Capital Markets periodic and requested reports or data per loan agreements.
  • Created & maintained Loan Dashboard showing all existing facilities, pertinent loan information and current balance for Accounting VP and CFO.

Commercial Portfolio Loan Specialist

TD Bank
West Palm Beach, Florida
01.2010 - 03.2013
  • Trained, assisted in supervising and approved transactions of Florida's Construction Loan Administrators.
  • Gathered Financial and General Business Information due for accounts and compiled to perform financial analysis as necessary.
  • Maintained portfolio of largest, highest profile and most complex Commercial Loan accounts within Florida, Washington DC, Virginia, Maryland and Miscellaneous markets.
  • Administrated and processed draws on existing loans to ensure conformity with terms and documentation including preparation of criticized asset reports and memos.
  • Provided input and assistance to Credit Underwriters for credit decisions based on performing analysis of credit risk as well as other factors.

Construction Loan Administrator

TD Bank
West Palm Beach, Florida
01.2007 - 01.2010
  • Analyzed Project Budgets, Loan Documentation and Draw Requests to ensure adherence to all compliance requirements and accuracy.
  • Ensured all insured Commercial Construction Loans remained within budget to complete project; performed necessary steps with borrowers to resolve issues regarding budgeting and equity infusion.
  • Worked with Borrowers to establish procedures for loan advances in accordance with specific terms and requirements of each facility.
  • Analyzed and facilitated rate, commitment, collateral changes, loan payoffs and payoff instructions.
  • Processed all commercial, residential tract and spot lot construction loan draw requests for entire Florida, DC, Maryland, Virginia and Miscellaneous markets.
  • Evaluated loan requests and documents to verify accuracy and completeness

Education

Associate of Arts - Finance

Palm Beach State College
Lake Worth, FL
05.2001 -

ABA Certifications And Credits -

ABA Training - List Produced Upon Request
American Bankers Association

Skills

    Issue Resolution Skills

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Timeline

Commercial Underwriter I, Assistant Vice President

Seacoast Bank (Formerly Professional Bank)
06.2021 - Current

Commercial Loan Portfolio Manager II, AVP

IBERIABANK
01.2017 - 06.2021

Loan Specialist

The Kolter Group
03.2013 - 01.2017

Commercial Portfolio Loan Specialist

TD Bank
01.2010 - 03.2013

Construction Loan Administrator

TD Bank
01.2007 - 01.2010

Associate of Arts - Finance

Palm Beach State College
05.2001 -

ABA Certifications And Credits -

ABA Training - List Produced Upon Request

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Michelle Sanchez-ZwerinAVP, Commercial Underwriter I