Summary
Overview
Work History
Education
Skills
Timeline
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Marielly Figueroa

Dorado

Summary

Dynamic Professional, with a proven track record in financial management and decision-making. Expert in optimizing commercial loan portfolios and fostering high-performance teams. Experienced with strategic business planning and operational management, consistently exceeding organizational goals while enhancing client relationships and minimizing delinquent assets.

Track record of effective leadership and team collaboration in achieving organizational objectives.

Overview

15
15
years of professional experience

Work History

Assistant Vice President-Commercial Loans

Capital Crossing Puerto Rico, LLC
05.2015 - 03.2025
  • Established a high-performance culture within the team by setting clear expectations and providing regular feedback on individual performance contributions.
  • Collaborated closely with executive leadership to align department goals with overall company objectives, resulting in stronger organizational cohesion.
  • Managed a diverse portfolio of projects, ensuring that each project met established quality standards and delivered expected results on time and within budget.
  • Pursue delinquent borrowers for payments in order to minimize delinquent and Non-Accrual Assets.
  • Complete Purchase Loan Action Plans for newly acquired assets and perform monthly, quarterly and/or annual loan reviews for previously acquired assets.
  • Complete collateral site inspections and borrower meetings in an effort to be and understand the attributes and risks of the underlying security and the borrower intentions/ motivations.
  • Perform credit and acquisition underwriting.
  • Coordinate and monitor all legal efforts by outside counsel.
  • Prepare and submit approval memos and keep management informed of all active accounts including restructures, foreclosures and settlement resolutions.
  • Monitor and analyze portfolio to insure loans are appropriately Risk Rated, per Credit Policy.
  • Review legal bills related to assigned portfolio in keeping with the guidelines provided by the Company’s legal department.
  • Accurately model the an anticipated expenses, resolution timeline, and income collection of assigned portfolio.
  • Negotiates the terms of settlements, renewals, restructures & forbearance agreements

Commercial Loans Specialist

Doral Commercial Medium Credit
04.2013 - 02.2015
  • Prepared investment proposals for approval.
  • Proactively addressed potential issues during the loan application process, resulting in faster approvals and fewer rejections.
  • Management of complex clients as well as difficult and serious delinquent loan in assigned commercial portfolio.
  • Provides sound account management with ability to work independently and find alternatives and best solutions to protect the Bank and reduce the loss possibility on assigned commercial portfolio loan
  • Supports and review initial restructure proposals for workout-out of credits; included communicate efficiently and manage the case load at law firms handling the legal cases; mainly for collection via execution of collateral liens.
  • Meet with applicants, collect the required documentation while negotiating the structure, pricing and terms of the loans; preparation of commitment letters and reviewing of the closing documents before closing.
  • Perform visit to clients premises and site inspection of collateral
  • Responsible for the supervision, management and monitoring of assigned substandard & doubtful individual credits.
  • Maintain positive ratings in credit and compliance audits or reviews.

Relationship Manager-Commercial Loans

Bayview Asset Management
07.2010 - 04.2013
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
  • Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
  • Management of assigned commercial performing loan portfolio with ranged from small to mid size businesses.
  • Submission of loan presentation, loan action plan and status report, forbearance report, loan grade request change worksheet, reinstatement plan and TDR to senior management.
  • Maintains current financial statement on borrowers and guarantors.
  • Proactively monitored client risk exposure to ensure compliance with terms and conditions of legal documents for an assigned portfolio.
  • Collection effort with past due loans and monitors insurance and tax default risk.
  • Negotiates credit terms, loan repayment methods and collateral specification consistent with policy
  • Drafted detailed reports regarding the nature of a business, causes of loan default, summary of servicing action, liquidation efforts, and action taken to pursue the obligor/guarantor; paid-off the credit facility.
  • Prepares modification written credit presentation to credit committee and generates legal documents used in the credit and closing function
  • Review loan compliance with the Loss Share Agreement

Education

MBA - Banking And Finance

University of Phoenix
07-2016

BBA - Business Administration

Sacred Heart University
05-2004

Skills

  • Decision making & judgment
  • Issue resolution skills
  • Manage Microsoft Office, internet and adobe acrobat
  • Financial management
  • Verbal and written communication with fluent in both english and spanish
  • Business administration
  • Financial analysis and planning

Timeline

Assistant Vice President-Commercial Loans

Capital Crossing Puerto Rico, LLC
05.2015 - 03.2025

Commercial Loans Specialist

Doral Commercial Medium Credit
04.2013 - 02.2015

Relationship Manager-Commercial Loans

Bayview Asset Management
07.2010 - 04.2013

MBA - Banking And Finance

University of Phoenix

BBA - Business Administration

Sacred Heart University

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Marielly Figueroa