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    Credit Analysis

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    Linus Valencia
    This document provides a summary of Linus Valencia's professional experience in finance and commercial lending over 15 years. It highlights his expertise in analyzing financial statements and credit data to determine risk, as well as proven leadership and communication skills. His experience includes positions as a marketing consultant, business development officer, vice president, client service officer, and credit manager.

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    Credit Analysis

    Uploaded by

    Linus Valencia
    325 views3 pages
    This document provides a summary of Linus Valencia's professional experience in finance and commercial lending over 15 years. It highlights his expertise in analyzing financial statements and credit data to determine risk, as well as proven leadership and communication skills. His experience includes positions as a marketing consultant, business development officer, vice president, client service officer, and credit manager.

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    This document provides a summary of Linus Valencia's professional experience in finance and commercial lending over 15 years. It highlights his expertise in analyzing financial statements and credit data to determine risk, as well as proven leadership and communication skills. His experience includes positions as a marketing consultant, business development officer, vice president, client service officer, and credit manager.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as TXT, PDF, TXT or read online from Scribd
    Download as txt, pdf, or txt
    325 views3 pages

    Credit Analysis

    Uploaded by

    Linus Valencia
    This document provides a summary of Linus Valencia's professional experience in finance and commercial lending over 15 years. It highlights his expertise in analyzing financial statements and credit data to determine risk, as well as proven leadership and communication skills. His experience includes positions as a marketing consultant, business development officer, vice president, client service officer, and credit manager.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as TXT, PDF, TXT or read online from Scribd
    Download as txt, pdf, or txt
    of 3

    LINUS VALENCIA

    Canyon Country, California 91351


    Phone: 213-219-4050
    Email: linusvalencia@aol.com

    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 cross-
    selling the banks products.

    HSBC BUSINESS CREDIT(USA) INC., Los Angeles, California 1997-2004


    Provides various banking and financial services worldwide.

    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


    Lotus Notes

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