Normando Diaz
Miami,FL
Summary
Credit-focused finance professional with experience in underwriting, structuring, and monitoring sponsor-backed and institutional credit transactions across fund finance, structured credit, and banking. Skilled in financial modeling, downside risk analysis, and credit memo preparation, with a track record of supporting complex lending decisions for private equity, credit funds, and financial institutions.
Overview
2027
2027
years of professional experience
Work History
Vice President, Portfolio Manager – Capital Markets (Financial Sponsors)
BciCapital
Miami, FL
01.2025 - Current
- Lead credit underwriting, due diligence, and ongoing risk assessment as Head Portfolio Manager for a $2.0B+ loan portfolio, covering sponsor-backed credit facilities including fund finance, NAV, and asset-backed structures ranging from ~$20MM–$300MM transactions
- Build and maintain detailed financial models (base, downside, and stress cases), evaluating leverage, collateral, and repayment capacity to drive risk-adjusted investment decisions
- Prepare and present credit memoranda and portfolio updates to senior risk officers and credit committee, highlighting key risks, mitigants, covenant structures, and performance trends
- Partner with deal teams, syndicate partners, and institutional investors to support structuring, execution, and monitoring of leveraged and structured credit transactions
Analyst, Portfolio Management & Underwriting (FIG)
Wells Fargo
Miami, FL
01.2023 - 01.2025
- Underwrote credit exposure to LATAM financial institutions, recommending and managing counterparty credit limits up to $900MM, based on detailed analysis of capital adequacy, liquidity, asset quality, and earnings
- Conducted downside, sovereign, and peer group analysis across ~10 banking systems in the Caribbean and Central/South America to assess credit risk and capital resilience
- Supported senior Portfolio Managers and MDs in credit approvals, annual reviews, and ongoing portfolio monitoring, contributing to limit sizing, risk rating, and exposure management decisions
- Partnered with investment banking and syndications teams to support cross-border lending, capital markets transactions, and institutional counterparty risk evaluation
Trade Finance Credit Risk Analyst
Anthem Bank & Trust
Miami, FL
2022 - 01.2023
- Underwrote counterparty credit risk for LATAM agricultural exporters within a forfaiting and trade finance platform, evaluating financial performance, debtor quality, and insurer-backed structures
- Analyzed borrower financials, commodity exposure, and debtor concentrations to assess repayment capacity and downside risk in volatile agricultural markets (e.g., fertilizer, animal feed)
- Structured transactions with appropriate advance rates, credit enhancements, and collateral controls, primarily within insured frameworks, to mitigate risk in export-driven financing
- Supported a lean credit team in preparing credit memos, committee materials, and portfolio monitoring, identifying early warning signals and recommending risk mitigation strategies
Education
Bachelor of Science - Finance
Wake Forest University
Winston-Salem, NC05-2019
Skills
- Financial Modeling: Credit modeling, downside & stress case analysis
- Credit: Structured credit, fund finance, asset-backed lending
- Technical: Excel (advanced), PowerPoint
- Other: Capital structure analysis, covenant analysis
Languages
Spanish
Native or Bilingual
Timeline
Vice President, Portfolio Manager – Capital Markets (Financial Sponsors)
BciCapital
01.2025 - Current
Analyst, Portfolio Management & Underwriting (FIG)
Wells Fargo
01.2023 - 01.2025
Trade Finance Credit Risk Analyst
Anthem Bank & Trust
2022 - 01.2023
Bachelor of Science - Finance
Wake Forest University