Summary
Overview
Work History
Education
Skills
Skills And Related Experiences
References
Timeline
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Ricardo Arredondo

Chula Vista,CA

Summary

Dynamic Sr. Deepening Relationship Manager at J.P. Morgan Chase with a proven track record in credit underwriting and relationship management. Achieved top rankings among peers, producing over $10 million in new credit annually. Exceptional leadership and negotiation skills drive successful business development and client portfolio management.

Overview

18
18
years of professional experience

Work History

Sr. Deepening Relationship Manager

J.P. Morgan Chase
07.2019 - Current
  • Responsible for actively managing a book of business of over 110 clients, which includes a large portion of the market's most profitable clients.
  • Provided business deposit and cash management solutions while managing business credit opportunities of up to approximately $15 million.
  • Maintained and managed an active credit portfolio of over $50 million, which included regular borrowing base monitoring, annual covenant testing, and resolution of covenant violations.
  • Produced over $10 million in annual new credit to the bank on a regular basis.
  • Consistently finished in the top 80th percentile of rankings among my peers in San Diego County.
  • Outstanding performer in 2022 & 2024
  • Cultivated and maintained centers of influence and business referral sources through CRE broker relationships and CPAs.
  • Exceptionally strong knowledge of credit underwriting, cash flow analysis, credit risk evaluation, commercial real estate lending and SBA lending products

Relationship Manager II

J.P. Morgan Chase
07.2014 - 06.2019
  • Actively developed new business opportunities while deepening existing small business customer relationships
  • Cultivated new centers of influence and business referral sources through CRE broker relationship and CPA's
  • Strong knowledge of credit underwriting, cash flow analysis, credit risk evaluation and commercial real estate lending
  • Developed strong working relationships with SBA, Cash Management, Chase Private Client and Middle Market partners
  • Outstanding Performer in 2017 and 2018
  • Outstanding Performer Award recipient in 2017 and 2018
  • Consistently met and exceeded goals year over year

Business Banking Officer

U.S Bank
07.2013 - 06.2014
  • Strong knowledge of credit underwriting, cash flow analysis, credit risk evaluation and commercial real estate lending
  • Developed strong relationships with business clients to understand their banking needs.
  • Analyzed financial information to provide tailored banking solutions for clients.
  • Finished Q4 of 2013 at 111.5% of revenue goal with $117,500 in weighted revenue production
  • Closed over $500,000 in SBA loans in Q4 of 2013
  • Platinum Equipment Finance Banker in 2013 with over $500,000 in equipment finance production for the year

Small Business Specialist

U.S Bank
07.2011 - 06.2013
  • Set quarterly region loan production record of $434,205 and responsible for $1,164,600 in new deposits in Q4 of 2011
  • Set quarterly region equipment lease records of $169,530 in Q2 of 2012 and $241,634 in Q1 of 2013
  • Star of Excellence winner and Top Region Performer in Q1 of 2012 and Q1 of 2013
  • Finished as the #2 Small Business Banker in the Western States for total point production in Q1 of 2013
  • Recognized for having the largest year to date loan balance growth in the district at 15.64% or $210,000
  • 2012 and 2013 production directly contributed to the La Jolla Girard branch finishing as an Annual Pinnacle branch
  • Consistently recognized for new product growth in my assigned business portfolio
  • Gold Shield award winner in 2012 in recognition of business growth

Sr. Account Executive

North Star Funding Corporation
06.2009 - 06.2011
  • Prospecting in a data base of cold to warm leads in order to expand current and future business relationships
  • Developed extensive experience in a cold calling environment
  • Responsible for business development through establishing and implementing new financial programs with equipment resellers
  • Refined skills in independent evaluation of credit risk, payment options, underwriting options and understanding of financial documents
  • Establishing and maintaining strong business relationships with customers and vendors in order to grow customer base
  • Providing excellent customer service to clients by understanding their current business needs, while developing a path to achieve those business needs

Account Executive

Five Point Capital, Inc
06.2007 - 09.2008
  • Converting in-bound telephone leads generated by marketing campaigns, while establishing and maintaining a strong client base
  • Maintaining and exceeding sales quotas in a competitive phone sales environment while consistently performing within the top 20% of the sales force
  • Rookie of the year recipient even though I was only there for 6 months at this point
  • Ranked #1 out of 20 reps the hiring class
  • Exceeding $4500 in Gross Margin, which is the company average
  • Consistently averaged 5 transactions or more per month
  • Analyzing current and prospective clients' business profiles and buying habits

Education

Bachelor of Arts - Sociology

University of San Diego
San Diego, California
01.2007

Skills

  • Credit underwriting
  • Advanced Credit Education (ACE)
  • Cash Flow Analysis
  • Financial Statement Analysis
  • Excellent written and oral communication skills
  • Strong negotiation skills
  • Strong leadership skills
  • Risk evaluation
  • Portfolio management
  • Business development
  • Relationship management
  • Commercial real estate lending

Skills And Related Experiences

  • Commercial lending training, Advanced Credit Education (ACE), Introduction to Commercial Real Estate, banker training and Cash Flow Analysis training through both JPM Chase and U.S. Bank's internal training programs
  • Introduction to Commercial Real Estate, Cash Flow Analysis, Financial Statement Analysis and Introduction to Commercial Lending classes completed through The Risk Management Association.
  • Excellent written and oral communication skills
  • Strong negotiation and leadership skills
  • Work efficiently with Microsoft Word, Excel, Power Point, Outlook, Fusion and Hogan

References

References available upon request.

Timeline

Sr. Deepening Relationship Manager

J.P. Morgan Chase
07.2019 - Current

Relationship Manager II

J.P. Morgan Chase
07.2014 - 06.2019

Business Banking Officer

U.S Bank
07.2013 - 06.2014

Small Business Specialist

U.S Bank
07.2011 - 06.2013

Sr. Account Executive

North Star Funding Corporation
06.2009 - 06.2011

Account Executive

Five Point Capital, Inc
06.2007 - 09.2008

Bachelor of Arts - Sociology

University of San Diego

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