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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 experience

Feb 2009Present

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 2005Dec 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 2001Jul 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 1990Jun 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

Aug 2008Present

Bachelor of Science

Woodbury University
May 1997May 1995

Associate of Arts

Cerritos College
Jan 1991May 1995

Associate of Science

Pasadena City College

Certifications

May 1997Present

Paralegal

Paralegal

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