Qualification Summary Versatile business professional with extensive experience in the Bank, Retail and Commercial industries. Extensive experience in commercial workout unit. Strong experience in mortgage loan and credit card products internal reviews. Extensive knowledge in centralized credit decisions, customer services, collection efforts, workout process and management. Hand on vendor management, training, writing procedures and business recovery plan. Experience developing new line of business. Strong leadership skills and team work oriented. Capable of performing multiple tasks in a high pressure environment with minimum supervision. Excellent interpersonal and communication skills. Organized, result and quality oriented. Knowledge in Mortgage-ware, ACAPS, Credit Cards, Maestro, Multi-client systems, Access, and Symposium systems. Fully bilingual in Spanish and English and computer literate. Accomplishments Contribute to create, establish and mentoring more than 60 new business for entrepreneurs. Contributed and responsible for having obtained the "Effective" classification during the Audit Risk & Review (Citigroup Internal Auditor) for the years 2005 to 2008 with exceptional results. Reduce past due accounts in commercial workout unit in 3% base points. Development a weekly status report to monitoring efficiency in collections efforts. * Reduced the past due accounts in mortgage division in 6% base points. Developed a Loss Mitigation unit and improved the foreclosure procedures. * Planned, developed and implemented a new line of business in the sales finance area. This action increased significantly the new customers portfolio. * Responsible for having increased the number of new dealers in 30%, sales finance loans in 25% and new applications in 35%. Accomplishments Contribute to create, establish and mentoring more than 60 new business for entrepreneurs. Contributed and responsible for having obtained the "Effective" classification during the Audit Risk & Review (Citigroup Internal Auditor) for the years 2005 to 2008 with exceptional results. Reduce past due accounts in commercial workout unit in 3% base points. Development a weekly status report to monitoring efficiency in collections efforts. * Reduced the past due accounts in mortgage division in 6% base points. Developed a Loss Mitigation unit and improved the foreclosure procedures. * Planned, developed and implemented a new line of business in the sales finance area. This action increased significantly the new customers portfolio. * Responsible for having increased the number of new dealers in 30%, sales finance loans in 25% and new applications in 35%. commercial loans. Prepared a business plan and permits local for a small business sector for a entrepreneurs. * Offers several seminars in the following areas: credit repairs, create anew business (students and others), commercial loans, transitions to new employment and accounting for entrepreneurs. Teaching a seminar to obtain the financial success for individuals and new business sector. * Responsible of all collection effort for assigned past due accounts for Commercial Workout unit and Special Loans at Eurobank, Caguas, Puerto Rico * Negotiated commercial restructure program and monitored the final resolution. * Responsible of commercial loan reviews process including: approval criteria collection status loan repayment collateral examination and recommended reserved amount.

Highlights:

• Accounting
• Business Plan
• Commercial Loans
• Past Due Accounts
• Transitions
• Audit
• Mortgage Loans
• Policies and Procedures