Zachary Avila
Chicago,IL
Summary
Analytical financial professional with more than six years of experience in transportation finance and nearly one year supporting syndicated and commercial loan facilities. Experienced in credit agreement review, funding requests, interest and fee calculations, principal payments, reconciliations, and lender communications. Previously managed a portfolio of more than 150+ clients, evaluating creditworthiness, facilitating funding, and coordinating onboarding and ongoing servicing
Overview
7
7
years of professional experience
Work History
Associate II Loan Officer
Alter Domus
08.2025 - Current
- Serve as a liaison between borrowers, lenders, legal counsel, and internal teams to coordinate loan activity and address servicing requests.
- Review and interpret credit agreements and governing documents to determine interest, payment, funding, fee, and facility requirements.
- Calculate, collect, and distribute principal, interest, fees, and new borrowing funds in accordance with applicable loan terms.
- Process loan and facility activity, including borrowings, repayments, rollovers, rate settings, conversions, prepayments, assignments, and amendments.
- Maintain facility commitments, deal attributes, payment information, and other loan data within agency systems and Microsoft Excel.
- Research and resolve discrepancies involving loan balances, interest calculations, payment activity, and transaction instructions while meeting required deadlines.
Business Development and Underwriting Specialist
Saint John Capital
04.2019 - 07.2025
- Conduct credit and financial analysis to assess risk profiles for transportation industry clients seeking factoring and financial services.
- Draft, review, and process service agreements, ensuring accuracy and compliance with internal underwriting guidelines and legal standards.
- Manage a portfolio of over 150 clients, proactively identifying risk trends and collaborating with accounting and underwriting to mitigate exposure.
- Facilitate funding by verifying invoices and assessing credit/funding limits; coordinate with internal teams to maintain efficiency and compliance.
- Onboard and service factoring clients with monthly volumes of $300K–$500K, ensuring smooth contract execution via Salesforce and Conga Sign.
- Created a new client Welcome Packet, streamlining onboarding processes and improving client experience.
- Recognized as a top-performing contributor while balancing underwriting and client support responsibilities.
- Utilize CRM tools (Salesforce, FactorFox) to maintain data integrity, track metrics, and support reporting and collections efforts.
Education
General Studies
College of Lake County
Grayslake, ILHigh School Diploma -
Antioch Community High School
Antioch, IL05.2010
Skills
- Syndicated Loan Administration
- Credit Agreement Interpretation
- Service Agreement Interpretation
- Interest and Fee Calculations
- Payment and Funding Processing
- Cash Flow and Credit Analysis
- Portfolio and Risk Monitoring
- Borrower and Lender Communication
- Loan Administration Systems: Agency360
CRM and Finance Platforms: Salesforce, FactorFox
Document Management: Conga Sign
Microsoft Office: Excel, Word, Outlook, Teams
Timeline
Associate II Loan Officer
Alter Domus
08.2025 - Current
Business Development and Underwriting Specialist
Saint John Capital
04.2019 - 07.2025
General Studies
College of Lake County
High School Diploma -
Antioch Community High School