Credit Analysis

LINUS VALENCIA Canyon Country, California 91351 Phone: 213-219-4050 Email: [email protected] SUMMARY Excellent financial & analytical skills related to trade finance and commercial lending. Expertise in analyzing financial statements and credit data to determine the degree of risk involved in extending credit worthiness. Proven leadership qualities and excellent communication skills. Over 15 years experience in trade/finance and factoring industry. PROFESSIONAL EXPERIENCE FINANCE ONE, INC., Los Angeles, California 2009 to present A commercial finance company specializing in factoring, purchase order and trade financing, and commercial property loans. Marketing Consultant/Business Development Officer/Vice President Responsible for sourcing, analyzing and structuring senior secured financial programs for growth and restructuring businesses while providing prompt, professional and reliable business financing solutions. Targeting companies with financial needs and credit protection over $1 million dollars. - Developed new commercial relationships with small to mid-sized businesses by providing financial counseling and expertise to prospects in order to achieve commercial loan and other lending goals. - Identified qualified prospects and closed new commercial sales opportunities by being committed in providing the best possible services and helping its prospect succeed in their business endeavors in this highly competitive market. -Underwrite detailed new business proposals to senior management for approval by analyzing financial stability, comparative financial analysis, credit and collateral worthiness, and management experience in a prompt and timely basis. CIT GROUP, INC., Los Angeles, California 2006 to 2009 A bank holding company with more than $60 billion in managed assets that provides financial products and advisory services to small and middle market businesses. Client Service Officer/Account Executive/Assistant Vice President Managed a portfolio of 35 clients with emphasis in resolving credit department, accounting and operation issues. Liaison between clients and CIT operations for problem identification and resolution. Client Service Officer - Served as day to day operation focal point contact for clients on any credit, accounting and operation inquiries by providing timely responses and decisions. - Improved client and customer credit quality by ensuring that credit worthiness and collection problems are identified and handled promptly to minimize credit losses. - Provided excellent client and customer service by retaining all existing clients during the year. Account Executive/Assistant Vice President

- Presented to the credit line committee all required updated financial statements and information and a recommendation for lending clients on a semi-annual basis by showing in detailed the customers capital, liabilities, asset compositions, sales and profit performance and made sound analysis on the clients overall financial status. In addition, ensured proper sign-off has been obtained in accordance with the credit grading policy. - Reviewed clients statistical information on a monthly basis by monitoring client profitability report and took action as necessary to avoid loss in revenue. - Submitted prospects to new business department and exceeded requirements by $50 million in annual revenue for the department. BANK SINOPAC, Los Angeles, California 2004 to 2006 A full-service commercial foreign bank with banking services equally emphasized in corporate and individual sectors. Credit Manager Managed a staff of 5 consisting of credit officers, collector, accounting representative and assistant administrator. - Played a key role within the department in underwriting and clearing unsecured credit exposures reaching a high eight figures. - Monitored financial performances on marginal customers credits in support of ongoing risk by ensuring all updated financial data are reviewed on a quarterly basis. - Worked closely with collector(s) to provide guidance on collection issues with the assigned customer portfolio. - Assisted with the retention of existing clients portfolio by providing excellent client and customer service. - Proactive in the development of new business by recognizing and referring prospective new clients. - Responsible for other aspects of the branch’s operation by effectively crossselling the banks products. HSBC BUSINESS CREDIT(USA) INC., Los Angeles, California Provides various banking and financial services worldwide.

1997-2004

Senior Credit Specialist/ Assistant Vice President - Managed and responsible for customer credit portfolio that generated an annualized volume exceeding $240 million comprised of wholesale and retail customers including textile/apparel manufacturer and importers. - Analyzed credit data and financial statements to determine the degree of risk involved in extending credit or releasing pending and credit holds. - Prepared reports that include the degree of risk involved in extending credit and set credit limits and established open account terms of sale for new and existing accounts. - Managed receivables through the employment of prompt and thorough collection procedures. EDUCATION B.S., Business Administration California State University, Los Angeles SKILLS Microsoft Word and Excel

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