is67f90a@westpost.net Cell: 917-691-9065 Home: 718-850-4676 Excellent analytical, research, written and oral communication skills. Results- driven with significant experience in credit, risk management and interaction wi th businesses and their financial structure. Established reputation for thoroug h knowledge of loan details and problem recognition in the Early Warning Process . Have demonstrated excellence in problem solving, multi-tasking while ensuring consistency and accuracy across numerous responsibilities. PROFESSIONAL EXPERIENCE Citi, Tampa Florida FRO (Product Accounting, Legal Reporting, Taxation Dept.): Aug. 2008 a" May 10, 2010 Management and Legal reconciliations of tax worksheets. Verified that payments are allocated to adjust for federal and state income tax and tax rates for US an d PR are within guidelines. Input management reconciliations into E-Recon. Prepared income tax provision for Business Unit to increase or decrease the amou nt if necessary. The calculation is based on EBIT and effective tax rate. Re-classed accounts to allocate the amount to the correct account type (asset or liability account). BAU Model Validation for US, Canada and Puerto Rico, including Essbase reconcili ation. Worked on the delinquency data to build the FAS 5 release for US, Canada and Pue rto Rico. Built the FAS 5 journal entries for US, Canada and Puerto Rico. Build the FAS 1 14 journal entries for US, Canada and Puerto Rico. Provided explanation for the Balance Sheet variances and stagnant accounts. Reviewed reconciliation of real estate accounts; make changes to aging of accoun t (E-Recon System). Prepared review for aged accounts and narrative for Management Summary meeting. Provided documentation to KPMG (auditors) upon request. Reviewed and approved journal entries for real estate Product Accounting. Citigroup, New York Credit Center Credit Officer: Mar. 2006 a" Jul. 2008 Approved and maintained personal and commercial relationships totaling 74 millio n in commitments. Relationships included business and professional; legal, real estate, middle market companies and small businesses. Prepared and approved credit requests, advances, increases, and letter of credit for existing facilities. Perform quality control tests on loans in portfolio to ensure that financial cov enants, borrowing bases are in compliance. Analyzed collateral adequacy for cre dit structure and ongoing valuation services. Consulted with accountants and at torneys to structure and document loans. Research and analyzed data regarding c ollateral concentrations, market changes, new products and impacts to current po rtfolio. Provided guidance and assistance to the Sales team and Loan Review staff to ensu re quality of data necessary to analyze the deal/mortgage and to develop financi ng solutions for customers to ensure that credit packages submitted are of the h ighest quality. Completed Annual Reviews for existing relationships, monitored overall credit qu ality via financial performance; analyzed financial statements and tax returns, reviewed payment performance, analysis of obligor risk rating, and facility risk rating. Performed Risk and Control Self-Assessment testing for annual audit. Compliance with Credit Program/Policies to ensure satisfactory ratings from inte rnal and external auditors. Identified and prioritized accounts with specific risk attributes, which include d bankruptcy, liens, judgments, delinquent real estate taxes, cash flow, FICO RA C fails, D & B RAC fails, and revolving utilization. Analyzed, determined the level of risk, contacted high risk Client, scheduled si te inspection to warrant any corrective actions. If placed on early warning, as sessed if a significant deterioration in performance within 90 days, if Client i s not able to clean up or resolve, relationship is classified and sent to Remedi al Management. Have Credit Authority to reduce the borroweras credit line, term out an open-end credit facility, take-away overdraft privileges, etc. Completed all required departmental reporting for financial, regulatory and mana gement purposes related to market valuation of collateral and audit requirements . Citigroup, Citibank Community Development, NY Portfolio Manager: Feb. 2005 a" Mar. 2006 Worked with Regulators in meeting Community Reinvestment Act (CRA) requirements that addressed Asset quality, performance and the Groupas profit and loss, revie w partneras share as indicated on 1065 K-1. Write up for the Investment Test portion for each CRA exam, monitor CRA complian ce (investment made and CRA allocation to the different market place including S outh Dakota Investments and South Dakota Housing Authority Bonds and Non-CCD ite ms such as mortgage-backed securities). Performed Risk and Control Self-Assessment testing for annual audit. Reviewed real estate usage, monthly business review and Annual Reviews, Risk Rat ing analysis, Industry reviews, investment write-offs and loan documentation. D eveloped monthly pipeline for the Investment Group and Private Equity performanc e tracking and reviews. Citigroup, New York Classified Asset Management, NY Credit Officer: Jun. 1999 a" Feb. 2005 Managed Commercial Workout portfolio of 50 relationships totaling $75 million co vering the tri-state area. Functional goals included: 50% of principal reduction by end of year, obtaining recoveries, recovering expenses (legal, appraisal and audit fees), monitoring a nd stabilizing problem credits and delinquencies. Met with existing clients to determine status and credit needs at their place of business. Negotiated terms of repayment with clients. Worked with outside lawyers to nego tiate repayment schedules and revised loan documentation. Provided quick new credit turnaround time with transfer into Classified Asset Ma nagement. Reviewed and made daily decisions on customer on-line overdrafts. Co mpleted Credit Approvals, Commercial Credit Summaries and Annual Reviews. Citigroup, Asset-Based Lending (ABL), NY Account Officer: Apr. 1998 a" Jun. 1999 Managed business relationships with sales ranging from $250 thousand to $20 mill ion with asset-based lines of credit based on receivables and inventory. Ruled or returned overdrafts and uncollected funds, analyzed loan availability a nd client lending arrangements. Verified availability of customer line of credit against their collateral. Reconciled account receivable reports monthly. Identified past dues, high debto rs, foreign accounts, cross-age/ ineligible accounts. Processed daily advances based on availability. Prepared monthly-classified credit reviews on existing p ortfolio. Citigroup, New York Commercial Real Estate, NY Service Officer: Feb. 1989 a" Apr. 1998 Processed overdrafts and serviced liability accounts. Processed and monitored a ll rate adjustments, payment changes and maturity dates. Verified appropriate and sufficient hazard/fire insurance coverage with insuranc e brokers. Monitored real estate tax delinquency. Verified and renewed Uniform Commercial Code filing on line with inter-county agency. Prepared escrow histories, pulled Dun & Brad Street Report, Experian credit repo rts. Prepared and processed transmittal sheets for booking new loans. Reconciled loan portfolio to loan system monthly. Update portfolio database for classified and delinquent loan. Monitored delinquency reports and late charg es for file review and Collections Department. Responded to year-end inquiries, investigations and CPA audit confirmations. Handled customer investigations. EDUCATION and TRAINING Bachelor of Business Administration, Baruch College, NY, graduated 1994. Completed formal Commercial Credit Training with Citibank: Oct. 1997- May 1998 Credit underwriting, analysis, analytical tools in recognizing problem loans, cl assifications, reviewing loan documentation, agency reports, tax returns and fin ancial statements. Activities: Determined key questions for clients with the g oal of fully understanding the business, determined the feasibility of customers a loan requests, identified business factors that translate into strengths and r isks in loan repayments, studied techniques for effective consultative client in teractions. Additional Credit-related Training: Financial Analysis Reporting a" New York University, 2001 Cash Flow Analysis a" Risk Management Association, 2001 Analyzing Personal Financial Statements a" Risk Management Association, 2003 Evaluating Real Estate Collateral by Citibank Real Estate Appraiser - 2003 Low Income Housing Tax Credit 101 a" Boston, 2005 OTHER SKILLS Applications/Systems: People Soft, Microsoft Word, Excel, Outlook, Access, Credi t Platform, Moodyas Financial, AFS, Citismart, PCO Database, Stucky (Asset-Based Lending) System, File Maker Pro (Citibank), Experian and Dunn & Brad Street. C itibank Loan Operating Systems: DLS, Systematics and Loan Administrator. Real Estate salesperson license: La Guardia College, passed NYS exam 12/05. Citi Fin ancial internal systems: Peoplesoft, Essbase. Trained 2 staff members in Texas to take over the Early Warning Process. Trained 2 staff members in Tampa (FRO) on the Loan Loss Reserve function; one on Edit Check, Quality Check and balance sheet variances.