THOMAS A. ABRAIRA
Jupiter
Summary
Applied extensive knowledge in private banking and commercial client services to deliver strategic solutions and foster team success.
Overview
37
37
years of professional experience
1
1
Certification
Work History
PRIVATE BANK LENDING SPECIALIST – COMMERCIAL REAL ESTATE
CITIZENS PRIVATE BANK
01.2021 - Current
- Support the underwriting needs for the Private Bank's product offering ensuring turnaround time requirements are met. Verify accuracy and completeness of loan application file including; entering application information in origination systems, completing due diligence, ordering UCC and Good Standing searches, and running appraisal and environmental report requests (for owner-occupied real-estate secured transactions).
- Complete financial analysis and spreads on business borrowers. Analyze cash flow reports, calculate ratios, recognize and describe trends and identify recurring and non-recurring sources of cash flow and borrowers' ability to debt service.
- Cultivate strong and positive working relationships with partners to maintain extraordinary internal and external client service.
- Ensure quality credit and avert any potential signs of default throughout the underwriting process and loan life cycle. Ongoing servicing of the portfolio.
- Underwrite and maintain C & I credits including real estate loans for hospitality, office space, and other owner-occupied loan requests. These loans range from $2M to $25M. Also maintain these loans within the portfolio.
- Works closely with RM and client to identify lending needs and solutions.
- Performs analysis of client's financials to determine loan eligibility.
- Serves as main POC for client and all internal/ external parties to lending transactions while keeping RM in the loop.
- Manages end-to-end loan process with clients, internal/external partners from inquiry through post-closing (e.g., provides PA letters/pricing, presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests).
- Successfully graduated from Citizens Private Bank Commercial Credit Training Program (6-month training program). (First position at Citizens Bank was with the PPP Loan Project).
BUSINESS LOAN ANALYST
SMARTBIZ LOANS
01.2021 - 01.2021
- Quality Control project by performing credit review analysis of all Paycheck Protection Program Loans submitted by our lending partners. Analyze financial statements and other cash flow documents to determine credit worthiness of small businesses. Identify and verify required documentation for SBA small business loans. Verify accuracy and consistency of specifications on documentation and underwriting guidelines required by our lenders. Ensure compliance with bank partners under the SBA underwriting guidelines.
- (Contractor Role)
CREDIT RISK ANALYST
FISERV/VOCA
01.2019 - 01.2020
- Perform credit analysis and underwriting activities, evaluating financial position and credit worthiness of prospective and existing commercial merchant portfolio accounts. Review credit history and business financial statements to assess the credit worthiness of prospective clients. Partner with the Wholesale Bank and E-Receivables group to underwrite their specialized client accounts.
- Working in a very fast-paced environment and able to make real time accurate decisions.
- Expertly understand and apply risk management concepts to collect and analyze exposure and loss data.
- (Contractor Role)
SMALL BUSINESS RELATIONSHIP MANAGER
Bank of America
01.2016 - 01.2018
- Oversaw team identifying growth opportunities including commercial lending, SBA lending, and depository accounts.
- Developed client relationships by referring individual accounts to branch staff increasing cross-sell ratio 40% in first year.
- Worked with underwriter discussing client loan solutions for lines of credit, auto loans, and inventory/equipment purchasing.
SVP – BUSINESS BANKING
City National Bank
01.2013 - 01.2014
- Partnered with bank teams generating new business relationships and expanding revenue growth. Identified client’s commercial loan needs negotiating complex credit terms in line with risk management standards. Trained new commercial loan officers ensuring productivity and client satisfaction. Analyzed financial statements presenting recommendations to Senior Commercial Lender, Wholesale Banking Executive, and Loan Committee.
- Achieved $3M monthly loan production while maintaining compliance and ensuring
- Managed commercial banking clients with $10M-$500M annual revenues exceeding monthly deposit and treasury objectives.
SVP – MIDDLE MARKET LENDING MANAGER
BankAtlantic
01.2008 - 01.2013
- Spearheaded lending, depository, and cash management service activities focusing on clients with $10M+ annual revenues. Collaborated with loan committee and credit department enhancing client approval and closing processes. Analyzed profitability and revenue generation communicating with team and presenting findings while recommending improvement areas.
- Achieved monthly commercial loan closing between $3M and $5M across new and existing commercial clients.
- Oversaw $64M loan portfolio and $40M deposit portfolio expanding business banking opportunities.
- Achieved company-first 100% approval ratio (2011), top loan producer and profitability generator (2009-10), and #1 commercial deposit gatherer (2009-13).
VP – BUSINESS BANKER IV
Regions Bank
01.2006 - 01.2008
- Maintained Small Business Banking relationships focusing on <$10M annual revenue clients. Managed and expanded $40M+ loan/deposit portfolio. Analyzed financial statements identifying client needs, negotiating loan terms, and proposing treasury management products. Supported loan requests through entire credit approval process. Collaborated with departments generating referrals for other lines of business.
- Mentored new Business Bankers/Branch Business Bankers and implemented Pinnacle Contact Management System training.
- Achieved #2 Business Banker of the Year status (2007) with $28M loan production and $14M deposit production.
VP– Small Business Banker
Wachovia Bank
01.1989 - 01.2006
- VP– Small Business Banker with Wachovia Bank managing $40M+ loan/deposit portfolio.
Education
Accounting, Finance & Business Administration
Florida Atlantic University
Boca Raton, FLGraduate Certificate - Private Bank Credit Underwriting And Analysis
Citizens Private Bank
Remote-Rhode Island Graduate Certificate - Commercial Analysis And Underwriting
Wachovia Bank
Charlotte, NCSkills
- Commercial Lending
- Credit Analysis
- Underwriting
- Financial Analysis
- Engaged with clients to understand their needs and deliver tailored solutions
- Formally Credit-Trained
- Risk Management
- Networking & Partnerships
- Portfolio Management
- Due Diligence
- Business Development
- Loan Doc Preparation
Certification
- Citizens Private Bank Commercial Credit Training Program | 6-month training program – Palm Beach, FL
- Wachovia Bank Business Credit Training | 3-month internship program – Charlotte, NC
Awards
Top Middle Market Lender for 5 Years-BankAtlantic-, Small Business Banker of the Year (2 times) | Wachovia Bank – West Palm Beach, FL, Top 5 Small Business Banker of the Year (4 times) | Wachovia Bank – West Palm Beach, FL
Affiliations
- Sunfest Community Relations Board
- Palm Beach Independent Auto Dealers Association
- Kiwanis of West Palm Beach
Timeline
PRIVATE BANK LENDING SPECIALIST – COMMERCIAL REAL ESTATE
CITIZENS PRIVATE BANK
01.2021 - Current
BUSINESS LOAN ANALYST
SMARTBIZ LOANS
01.2021 - 01.2021
CREDIT RISK ANALYST
FISERV/VOCA
01.2019 - 01.2020
SMALL BUSINESS RELATIONSHIP MANAGER
Bank of America
01.2016 - 01.2018
SVP – BUSINESS BANKING
City National Bank
01.2013 - 01.2014
SVP – MIDDLE MARKET LENDING MANAGER
BankAtlantic
01.2008 - 01.2013
VP – BUSINESS BANKER IV
Regions Bank
01.2006 - 01.2008
VP– Small Business Banker
Wachovia Bank
01.1989 - 01.2006
Accounting, Finance & Business Administration
Florida Atlantic University
Graduate Certificate - Private Bank Credit Underwriting And Analysis
Citizens Private Bank
Graduate Certificate - Commercial Analysis And Underwriting
Wachovia Bank