Skills

Skills

General

  Strong analytical skills / communication skills (oral and written).   MS Office (Word, Excel, PowerPoint). Internet. Email. Multiple bank mainframe systems: GMS, GUS, GFS, AFS, ALS, Interact, etc..    

Work History

Work History
Feb 2009 - Present

AVP, SR. Credit Support Associate

Bank of America
  • Responsible for supporting the end-to-end credit management process in direct partnership with the client team.  
  • Ensure timely renewal of maturing lines of credit and annual review of loans.  
  • Monitor credit compliance, resolve documentation, collateral and past due exceptions, ensure credit quality and data integrity.  
  • Act as a primary liaison with the client, sales team, credit services and other business partners to manage the facilitation of credit originations, approval, documentation, bookings, fee collection and renewals.  
  • Proactively ensures client satisfaction throughout the Client Management Process including: Credit servicing problem resolution, ensure timely follow-up of loan monitoring activities, ensure a sound credit portfolio including the timely collection of all required financial information.  
  • Maintain satisfactory OCC and Internal Audit results.
  • Mentor / coach junior associates.  
Aug 2005 - Dec 2007

Standard Credit Underwriter

Citibank
  • Underwrite small business loans up to $300M.  
  • Complete detailed business/personal cash flow analysis.
  • Investigate sources of credit and financial information.  
  • Analyze financial conditions and trends. 
  • Decision non financial credit applications based on established criteria.  
  • Provide loan decision recommendation for 2nd level review if necessary.  
  • Deliver timely and sound credit decisions.  
  • Prepare and review loan documentation.  
Jul 2001 - Jul 2005

Monitoring Analyst Team Lead

Bank of America

  • Lead and develop junior associates to help support management of team performance.  
  • Assist management with daily operations of the loan monitoring group.  
  • Coordinate and distribute workflow to associates.  
  • Process maturing business lines of credit through the accelerated renewal process.  
  • Document approval / decline rationale for all credit decisions.  
  • Identify opportunities to cross-sell, up-sell and up-tier relationships.  
Apr 1990 - Jun 2001

SR. Risk Control Specialist

Bank of America

  • Conduct secondary review of credit application with possible fraud characteristics.  
  • Review credit applications and unsatisfied verification/appeal packages that do not meet credit guidelines/criteria’s for possible new credit decision.  
  • Review tax returns, legal filings, and other various legal documents to verify the validity of a business to possibly change an original credit decision.  
  • Ensure division’s fraud deterrent guidelines are adhered to.  
  • Identify and surface possible risk issues to upper management. 
  • Monitor potential risk accounts using automated systems and various operational reports with emphasis on controlling risk and exposure.  
  • Research and detect fictitious items. Render decision on account closures.  
  • Responsible for making pay or no-pay decisions on large dollar and high risk check transactions under demanding time commitments.  
  • Decisions are based on the analysis of account activity, account relationships, customer profiles, paper quality, and comparison to known fraud items.

Education

Education
Aug 2008 - Present

Bachelor of Science

Woodbury University
May 1997 - May 1995

Associate of Arts

Cerritos College
Jan 1991 - May 1995

Associate of Science

Pasadena City College

Certifications

Certifications
May 1997 - Present

Paralegal

Paralegal

Follow me on Twitter

https://twitter.com/Adonia05

Are you LinkedIn

http://www.linkedin.com/pub/adonia-malfitano/64/167/b32