PROFILE I am Manager and AVP (Corporate Title) in Credit Risk Portfolio Management unit, with over 15 years in the banking industry. My expertise is in Consumer Banking (Retail) and Standardized Commercial Business specific in credit lending activities such as underwriting, credit policies and process including collections and workout programs. I have strong understanding of federal rules and guidelines, for example CRA, ECOA, TILA, RESPA, SAFETY AND SOUNDNESS, AML, FAIR LENDING, and compliance programs SOX, Governance, etc. PROFESSIONAL HIGHLIGHTS * I developed the policies of credit worthiness for retail and standardised commercial credits I`m responsible of the development and implementation of workout program, in specific for standardize commercial loans, mortgage and consumer products. (Banco Santander). * Responsible of the development and training of the Consumer Credit Policy and Process (focused in the loan documentation requirements). * Supporting in the implementation and development of automatic decision engine (Strategy ware/Search) (Banco Santander). * Implementation of predictive system calls (Davox, Lyrics) at Collection Centre (CitiFinancial and Santander). * Participant of the SANTANDER CORPORATE RISK SCHOOL, BOADILLA DEL MONTE, SPAIN * Supervisory skills * High performance in office tools (excel, word, ppt). * Bilingual (Spanish and English)

Highlights:

• MIS
• Collection
• Aml (Macro Lang)
• Banking Industry
• Bilingual
• Commercial Loans
• Consumer Products
• Documentation