Penelope Garcia
Orlando,FL
Summary
Motivated, results-oriented business professional with a proven track record; and a vast knowledge of banking regulations, credit and compliance procedures. Skilled in profiling clients and providing them with suitable financial products and services to ensure all needs are met.
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
14
14
years of professional experience
Work History
Sr. Credit Analyst / Team Lead
SBA (Small Business Administration)
03.2019 - 01.2025
- Preparing credit analyses for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying the 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 the financial condition of the business and to initiate appropriate corrective actions.
- Preparation of a written recommendation as to whether the proposed loan should be approved as presented or whether an 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 the loan closing and disbursement
- Worked within multiple SBA lending departments, such as SBA 7(a), SBA 504, and SBA Express. Including temporary placement withing 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
- 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.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Oversaw daily operations to ensure high levels of productivity.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
Funding Expediter/Compliance Assistant
Greenbox Capital
02.2014 - 01.2015
- Prepare management reports that measure performance
- Present quality solutions to all levels of management
- Serve as compliance resource for day–to-day processes
- Recommended loan approvals and denials based on customer loan application reviews
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information
- Reviewed and edited loan agreements to ensure accuracy
- Interviewed clients to determine current income, expenses, financial objectives, risk tolerance and other information needed to determine final loan approval
- Conducted UCC searches and pull credit reports as part of the loan process
- Submitted loan applications to underwriting dept. for verification and recommendations
- Originated, reviewed, processed, closed and administered customer loan proposals.
Chase Private Client Banker
JPMorgan Chase
03.2011 - 02.2014
- 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, ordering additional checks and updating customer personal information in database.
- Participate in coordination of sales and relationship management effort with Bankers, Investors and Wealth Advisors
Education
Bachelor of Science - Finance
Long Island University
Brookville, NY2008
Skills
- Microsoft Office Suite proficiency
- Risk management assessments
- Advanced financial analysis
- Quality assurance
- Negotiation skills
- Superior research aptitude
- Fraud detection and prevention
- Financial analysis aptitude
- Financial statements expertise
- Bilingual Spanish/English
- Performance Evaluations
- Report Preparation Expert
- Complex Problem Solving
- Pipeline Management
- Government Lending
Work History
Miami ,Miami Gardens, FL
Timeline
Sr. Credit Analyst / Team Lead
SBA (Small Business Administration)
03.2019 - 01.2025
Asset Management/Sr. Underwriter
Knight Capital Funding
01.2015 - 03.2019
Funding Expediter/Compliance Assistant
Greenbox Capital
02.2014 - 01.2015
Chase Private Client Banker
JPMorgan Chase
03.2011 - 02.2014
Bachelor of Science - Finance
Long Island University
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