Raymond Mendoza

• Led comprehensive underwriting analyses for mid-market commercial credit engagements, successfully underwriting 20-30 cases annually with a cumulative value of approximately $50 million. Demonstrated superior project management by balancing multiple complex projects and processes. Leveraged advanced financial tools and methodologies, including Moody's Analytics, for detailed financial statement analysis and sophisticated sensitivity analysis, downside projections, and base case projections.
• Conducted in-depth financial assessments covering global cash flow, guarantor evaluations, borrowing base calculations, accounts receivable aging, financing gap analysis, loan-to-value (LTV) ratios, net operating income (NOI), rent roll, and project economics analyses. These efforts significantly enhanced the bank's credit decision-making and risk mitigation strategies, leading to more informed and effective financial decisions.
• Utilized advanced pricing tool analysis to forecast return on equity (ROE) and shareholder value added (SVA). Employed industry databases such as IBISWorld and RMA for comprehensive industry analysis, ensuring alignment with market trends and economic conditions. This approach supported strategic financial planning and investment decisions, enhancing the bank's competitive edge.
• Managed and executed critical financial assessments, including peer reviews, covenant testing, and risk rating optimizations. Integrated detailed debt service coverage ratio and fixed charge coverage ratio analyses into comprehensive credit presentations, optimizing financial forecasts and decision-making processes to ensure robust risk management and compliance.
• Collaborated closely with C-suite executives on cross-functional project initiatives, employing client-focused methodologies to yield critical insights. Enhanced risk mitigation through strategic collaboration, ensuring regulatory compliance and portfolio stability, and driving organizational growth and resilience.
• Actively participated in industry conferences and organizations, contributing to professional development and industry engagement. Developed sophisticated financial models to generate critical questions for the underwriting process, identifying key drivers to forecast future revenue, earnings, and cash flows, thus enhancing strategic financial insights and decision-making.
• Facilitated seamless cooperation with customers and external providers, such as Dun & Bradstreet, to secure essential credit-related information. These efforts bolstered the bank's analytical capabilities and strengthened its market position, driving informed and strategic financial decisions that supported long-term growth and profitability.

● Executed and finalized an in-depth 15-week corporate formal credit training program with Zions Bancorporation, N.A. This program blended comprehensive classroom instruction with mentorship from seasoned C-suite executives with previous banking experience from Wells Fargo, J.P. Morgan, and Bank of America. It cultivated advanced credit evaluation and risk assessment skills.
● Following completing a rigorous 15-week formal credit training program, embarked on a comprehensive 12-month formal credit training rotational program with Vectra Bank (a Zions Bancorporation, N.A. affiliate). Rotated and developed advanced expertise in Commercial Real Estate Lending, Community Banking, Private Banking, and Commercial & Industrial Banking sectors.
● Conducted in-depth analyses of clients' financial standings to ensure strict compliance with Vectra Bank and Zions Bancorporation standards. Assessed financial statements, legal documents, and covenant compliance with meticulous attention to detail. Performed portfolio management duties by testing covenants and proactively contacting borrowers for additional documentation, ensuring timely and accurate compliance with policy requirements. This rigorous approach maintained high standards of financial integrity and risk management, contributing to the stability and growth of the portfolio.
● Executed sophisticated financial analysis methods, including ratio, trend, and cash flow analysis, to produce precise financial forecasts. These analyses elevated the quality of strategic decision-making by providing data-driven insights, enabling proactive decisions based on emerging financial trends. Leveraged advanced analytical skills to support high-level financial planning and operational efficiency, significantly contributing to the organization's financial performance and strategic objectives.
● Implemented rigorous financial covenant testing procedures, consistently monitoring and assessing Debt Service Coverage Ratios, Liquidity, and Global Cash Flow metrics. This proactive approach reinforced financial health and compliance standards, ensuring stability and growth while maintaining stringent financial integrity and risk management practices.
● Demonstrated exceptional analytical and strategic capabilities during the rotational program, which transitioned into a permanent position in Commercial & Industrial Corporate Banking at the end of the rotational program. My performance showcased a strong grasp of complex financial concepts and underscored a commitment to driving financial growth and operational excellence within the organization.
● Engaged actively in a variety of high-impact events and initiatives supported and sponsored by Vectra Bank throughout the rotational program. Demonstrated leadership and dedication by volunteering in numerous community service projects, underscoring a strong commitment to corporate social responsibility. These activities not only fostered community engagement but also enhanced the bank's reputation and strengthened relationships with local stakeholders, reflecting a deep understanding of the importance of giving back and contributing to the well-being of the community.

● Worked on Visa and MasterCard transactions in the South Division, known for the highest volume of credit card disputes due to the wide acceptance of Visa and MasterCard. Managed and accurately reconciled over $3 million in credit card disputes related to ski tickets and passes, demonstrating exceptional problem-solving skills and policy awareness. Ensured accurate and timely resolution of credit card disputes, showcasing strong capabilities in handling significant financial data in a fast-paced, time-constrained arbitration environment.
● Played a key role in enhancing the financial stability and integrity of Vail Resorts during peak season. Took detailed notes and presented strategic ideas to standardize operations, significantly improving financial performance and operational efficiency. This success led to expanded responsibilities, including overseeing Discover Card and American Express chargebacks for the North Division and Vail Resorts Canada Resort. Expertly managed and resolved over $1 million in chargebacks, ensuring strict adherence to company policies and significantly improving customer and company satisfaction through efficient dispute resolution and meticulous attention to financial details.
● In February 2022, assumed additional responsibilities to manage food & beverage, merchandise, rentals, ski classes, and lodging credit card transaction chargebacks. Received comprehensive training on Web EJ and Info Genesis for food & beverage receipts, as well as Shift4, Inntopia, Fusebox, Elavon, and IQWare for lodging receipts. Leveraged this training to handle chargebacks efficiently and implemented strategies to enhance departmental efficiency and effectiveness.
● Updated the daily chargeback logbook to track the number of chargebacks across all Vail's North America Resorts and Vail's Canada Resorts, ensuring accurate conversion of Canadian transactions from CAD to USD. These chargebacks encompassed a wide range of products, including ski tickets/passes, food & beverages, rentals, equipment, and lodging. Took on additional responsibilities by joining the Retail/Rental Recover Program, efficiently handling credit card disputes by managing chargebacks in accordance with company policies. This role involved liaising with Vail Resort equipment retail and rental stores to enhance customer satisfaction and deliver a world-class guest experience. Played a role in streamlining month-end financial closures to ensure SEC regulatory
compliance and uphold financial accuracy, contributing to reconciling Credit Card balance sheet accounts across all business units and creating and posting accurate Journal Entries. ● Led internal audits and developed reconciliation Standard Operating Procedures (SOPs) for North and South divisions across various products. Ensured compliance to prevent chargeback expirations during the arbitration period and reduce fraudulent accounts. This initiative significantly enhanced the reliability and quality of financial operations, contributing to the organization's financial health and operational efficiency. As a result of these efforts, Vail improved their win rate of fraudulent charges by 17% for the 2021/2022 ski season, surpassing the initial goal of 5%.

• Elevated legal and financial data integrity by conducting thorough document reviews and implementing a digital archiving system, ensuring adherence to regulatory frameworks and enhancing case management efficiency
• Adhered to stringent quality control protocols while categorizing and tagging legal cases, streamlining data retrieval and optimizing case workflow
• Played a key role in meticulously preparing and archiving vital financial documents for secure offsite storage, prioritizing data preservation and accessibility
• Executed routine financial and legal administrative tasks, such as document scanning and filing, bolstering the law firm's operational productivity
• Maintained the highest standards of confidentiality by diligently adhering to established protocols, thus protecting client information from unauthorized access and preserving the integrity of sensitive financial and legal data with the utmost discretion.

• Meticulously reviewed comprehensive financial and legal documents during the discovery phase to ensure alignment with FINRA's arbitration guidelines and regulatory mandates
• Coordinated the organization and management of critical documents for arbitration proceedings, guaranteeing timeliness and completeness to uphold stringent legal standards
• Processed and systematically archived FINRA invoices related to various legal cases, prioritizing financial transparency and record accuracy
• Applied analytical expertise to evaluate the pertinence of financial data in legal contexts, thereby aiding the legal team's strategic decision-making
• Conducted in-depth analysis to rank the top 5 arbitrators for our wealth management client cases, optimizing our portfolio strategies and enhancing dispute resolution outcomes.