Veronica Giron
Peralta
Summary
Vice President at Nusenda Federal Credit Union specializing in commercial lending and client relationship management. Demonstrated success in surpassing sales targets and improving portfolio quality through strategic business development and community involvement. Expertise in financial analysis and negotiation, contributing to increased profitability and robust client partnerships.
Overview
29
29
years of professional experience
Work History
Vice President Business Services Officer/Commercial Lender
Nusenda Federal Credit Union
Albuquerque
10.2016 - Current
- Responsible for meeting or exceeding assigned sales goals through outside sales and managing existing customer relationships.
- Contribute to the profitability and growth of Credit Union by building, developing, and managing new and expanded client relationships with large commercial customers.
- Source prospects and develop new customer relationships by selling appropriate bank products and services to those prospects and clients and identifying and successfully capitalizing on cross-sell opportunities and making appropriate referrals.
- Manage loan and portfolio credit quality.
- Partner with branch personnel and management team within defined market to prospect appropriate customer base.
- Demonstrated understanding of financial accounting and analysis by underwriting loans or working with credit analysts/underwriters on commercial loan write ups.
- Loans originated include commercial real estate, C&I, builder finance lines and working capital loans.
- Partner with community organizations to develop leads and foster community outreach and community growth goals.
Business Banking Relationship Manager/Commercial Lender
US Bank
Albuquerque
07.2014 - 10.2016
- Responsible for meeting or exceeding assigned sales goals through outside sales and managing existing customer relationships.
- Contribute to the profitability and growth of Bank by building, developing, and managing new and expanded client relationships with small business customers.
- Source prospects and develop new customer relationships by selling appropriate bank products and services to those prospects and clients and identifying and successfully capitalizing on cross-sell opportunities and making appropriate referrals.
- Manage loan and portfolio credit quality.
- Partner with branch personnel and management team within defined market to prospect appropriate customer base.
- Demonstrated understanding of financial accounting and analysis by underwriting loans or working with credit analysts/underwriters on commercial loan write ups.
- Loans originated include commercial real estate, C&I, equipment finance and working capital loans.
Assistant Relationship Manager/Analyst
US Bank
Albuquerque
05.2012 - 07.2014
- Responsible for assisting commercial lenders with deposit and credit portfolio management.
- Preparation of non-complex commercial write ups with aggregate credit exposure under $3,000,000.
- Responsible for spreads and financial analysis for non-complex borrowers with aggregate credit exposure under $3,000,000.
- Responsible for closing loans and attending customer meetings when requested.
Loan Assistant/Closer
First Community Bank/US Bank
Albuquerque
05.2008 - 05.2012
- Processing, input, and monitoring of construction loans on TCL. I was also on the team that got TCL up and running at this financial institution and helped with the procedures and testing of the program.
- Daily duties include overdraft monitoring, loan payments, loan advances, imaging of miscellaneous loan documentation, and customer service.
- Input of customer info into the CAPE system including customer info, collateral info and bank info.
- Responsible for ordering of consumer and commercial appraisals and external evaluations.
- Prepare financial packages to be sent to the Small Business Loan Center and/or the credit analysts.
- Responsible for the pulling of daily, weekly, and monthly reports and the processing/clearing of any items on these reports.
- Responsible for contact with attorneys, title companies, and various municipal governments for obtaining items needed for documentation or to clear exceptions.
Loan Assistant/Closer
RBC Builder Finance
Denver
10.2006 - 05.2008
- Maintained legal documentation files, financial files, and construction draw files for all customers of the Denver office.
- Responsible for the ordering of loan documentation and verifying the documentation for accuracy and content.
- Closed loans for all four officers in the Denver office, and processed payments, extensions, renewals and new loans.
- Prepared all loans for booking and determined note amounts based on approvals of either LTC or LTV.
- Prepared draws for A&D loans by obtaining all required invoices and documentation by communication with borrower and title companies.
- Processed draws for percentage of completion construction off of inspection sheets.
Business Associate II
Wells Fargo Bank
Albuquerque
02.2004 - 10.2006
- Support a group of Relationship Managers by maintaining a high level of customer service and assisting in the preliminary assessment of existing accounts and helping to identify cross sell opportunities.
- Responsible for the resolution of any problems that may arise for customers and any operational needs or requests customers may have.
- Responsible for pulling weekly and monthly reports and ensuring the Relationship Manager’s Scorecards are correct.
- Monitor technical exceptions and monitor jobs through the loan processing center, and making sure exceptions are cleared and we have received any documentation a job/exception requires.
- Verify that loan documentation received from the loan center is accurate and bookings and advances are processed correctly.
- Monitor daily overdrafts, wires, transfers, and the overseeing of new accounts getting opened correctly and ensuring that the Relationship Managers are getting Scorecard credit for products sold.
Loan Documentation Consultant
Wells Fargo Bank
Denver
01.2001 - 02.2004
- Prepared all documents for complex deals in the seven- and eight-dollar figures by consulting with the Relationship Managers, Relationship Associates, lawyers and title companies.
- Research and customer service for loan officers, loan processors, and intermediaries, such as title companies and lawyers.
- Monitored documentation exceptions for certain geographic locations, and prepared documents for imaging.
- Collateral for documents prepared included crops and livestock, securities accounts, mortgages and deeds, business assets, aircraft, and ship mortgages.
- Responsible for auditing of loan documentation taken in during migrations and syndicated loans.
Loan Processing Clerk
North Valley Bank
Denver
08.1998 - 01.2001
- Prepared documents for construction loans, first and second mortgages, consumer purpose loans, business loans, and participations.
- Responsible for construction advances, paid loans processing, daily loan payments, monitoring participated loans, balancing daily loan GL’s, and daily Visa transactions and balancing.
- Monitored escrow accounts, collateral documents out for recording, insurance, imaging, and filing within the department.
- Daily duties also included research on payments, booking loans on bank system, and customer service via email, phone, and in the lobby.
- Responsible for opening of accounts and cross selling various products that suited the customer’s needs.
Teller/Customer Service Representative
First Federal Savings & Loan
Roswell
02.1996 - 07.1998
- Daily teller duties, including but not limited to, daily balancing of drawer, balancing of ATM, balancing of all bank GL’s, and customer service.
- Responsible for opening and closing of a branch and making sure the bank functioned as required.
- Responsible for monitoring insurance and real estate taxes on loans.
Education
Bachelors - Business Management
New Mexico State University
Albuquerque, NMAssociate - Business Management
Central New Mexico Community College
Albuquerque, NMAchieving Extraordinary Customer Service, Business Writing, diversity courses, several compliance courses
Various bank courses
Skills
- Commercial lending and credit underwriting
- Financial analysis and market assessment
- Portfolio management and business development
- Sales strategy and cross-selling techniques
- Client relationship management and customer service
- Risk assessment and regulatory compliance
- Negotiation skills and industry best practices
- Community engagement
Hobbies and Interests
- Commercial Real Estate Women - Former Finance Chair and currently serving as a Mentor
- NAIOP
- AED
- SAE
- Community Service
- Family
- Fitness
Affiliations
- Jazzercise Instructor
- Booster Club - Vice President
Accomplishments
Albuquerque Business First's Top 25 Woman of Influence Award 2023
Timeline
Vice President Business Services Officer/Commercial Lender
Nusenda Federal Credit Union
10.2016 - Current
Business Banking Relationship Manager/Commercial Lender
US Bank
07.2014 - 10.2016
Assistant Relationship Manager/Analyst
US Bank
05.2012 - 07.2014
Loan Assistant/Closer
First Community Bank/US Bank
05.2008 - 05.2012
Loan Assistant/Closer
RBC Builder Finance
10.2006 - 05.2008
Business Associate II
Wells Fargo Bank
02.2004 - 10.2006
Loan Documentation Consultant
Wells Fargo Bank
01.2001 - 02.2004
Loan Processing Clerk
North Valley Bank
08.1998 - 01.2001
Teller/Customer Service Representative
First Federal Savings & Loan
02.1996 - 07.1998
Bachelors - Business Management
New Mexico State University
Associate - Business Management
Central New Mexico Community College
Achieving Extraordinary Customer Service, Business Writing, diversity courses, several compliance courses
Various bank courses
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