Penelope Garcia
Fort Lauderdale,FL
Summary
Highly motivated and goal-driven Financial Analyst skilled in collecting, monitoring and studying data to analyze financial status and recommend business strategy.
Results-driven and resilient in developing teams while improving processes and increasing productivity. Bringing solid understanding of industry trends, excellent communication skills, and talent for spotting areas in need of improvement and implementing changes with a strategic approach.
Overview
15
15
years of professional experience
Work History
Sr. Loan Specialist
SBA (Small Business Administration)
03.2019 - 05.2023
- Preparing credit analyses for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying credit’s strengths and weaknesses.
- Review new loan package requests for completeness, appropriate loan structure, and SBA eligibility.
- Maintain currency on changes to SBA SOP requirements.
- Analyze financial statements (using cash flow projections and ratio analysis) as necessary to detect trends in financial condition of the business and to initiate appropriate corrective actions.
- Preparation of written recommendation as to whether proposed loan should be approved as presented or whether alternate loan structure is appropriate.
- Work with UCC secured titled collateral, commercial real estate, construction, refinance and business acquisitions.
- Assisting lenders with completion of their loan closing documents and answering questions regarding loan closing and disbursement
- Worked within multiple SBA lending departments, such as SBA 7(a), SBA 504, and SBA Express. Including temporary placement within the disaster loan programs EIDL, and PPP .
- Managed team of 25 remote loan specialist.
Asset Management/Sr. Underwriter
Knight Capital Funding
01.2015 - 03.2019
- Monitored team of 10 underwriter's performance and provided mentoring to achieve personal and department production goals.
- Recommended loan approvals and denials based on customer loan application reviews.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Generated comprehensive Microsoft Excel reports on portfolio performance and risk assessment for VP of Operations.
- Developed financial projections and forecasts to guide investment decisions.
Compliance Analyst
Knight Capital
01.2015 - 05.2017
- Reviewed audit and monitoring reports related to consumer and client activities.
- Prepared documentation and records for upcoming audits and inspections..
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Developed improvement and corrective action plans to bring operations in line with requirements.
- Identified gaps in existing compliance processes and recommended updates.
- Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.
Personal Banker / Loan Reconciliation Analyst
Citibank
05.2011 - 01.2015
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Cross-sold bank products and services to meet customer needs and provide options.
- Promoted financial products by maintaining excellent service offering knowledge.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Review loan documentation while providing support to a variety of tasks related to the loan process.
- Timely management and escalation of all requests and issues related to loan processing
- Reconciled company bank, credit card and line of credit accounts, investigating and resolving discrepancies to keep accounts audit-ready.
Chase Private Client Banker
JPMorgan Chase
11.2008 - 05.2011
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
- Strong relationship management skills and the ability to liaise with corporate entities and vendors
- Provided specialized financial planning support for clients with diverse portfolios and individual needs.
- Processed customer requests for statements, ordered additional checks, and updated customer personal information.
- Participate in the coordination of sales and relationship management efforts with Bankers, Investors, and Wealth Advisors
- Analyzed customers' financial information to deliver personalized account guidance.
- Researched current economic trends and investment opportunities to stay abreast of financial markets.
Education
Bachelor of Science - Finance
Long Island University
Brookville, NY2010
Skills
- Microsoft Office Suite proficiency
- Risk management assessments
- Advanced financial analysis
- Quality assurance
- Negotiation skills
- Superior research aptitude
- Fraud detection and prevention
- Performance Evaluations
- Report Preparation Expert
- Complex Problem Solving
- Pipeline Management
- Client Rapport-Building
- Business Development and Planning
- Bilingual Spanish/English
Timeline
Sr. Loan Specialist
SBA (Small Business Administration)
03.2019 - 05.2023
Asset Management/Sr. Underwriter
Knight Capital Funding
01.2015 - 03.2019
Compliance Analyst
Knight Capital
01.2015 - 05.2017
Personal Banker / Loan Reconciliation Analyst
Citibank
05.2011 - 01.2015
Chase Private Client Banker
JPMorgan Chase
11.2008 - 05.2011
Bachelor of Science - Finance
Long Island University
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