Yashira Izquierdo

Collaborate with bank officers to manage a corporate portfolio of over 20+ medium-sized companies in the commercial and industrial sectors. Engage with sophisticated customers to collect crucial data, partnering with other departments to improve the accuracy and efficiency of information flow for deliverables. Develop credit evaluation reports through the analysis of financial statements, sensitivity scenario projections, industry research, and other data, to determine risks and opportunities of borrowers, leading to informed recommendations for loan approvals in management committees.

- Led small team-based project to automate quarterly metric reports for senior management using Power Query, reducing non-essential tasks by 50% and improving early detection of covenant breaches in the corporate portfolio.

- Contributed to surpassing the corporate department’s budget target with diligent underwriting of new transactions totaling over $75 million in Q1 2024.

- Improved the loan pricing and return on assets/equity model by incorporating real-time market data and advanced analytics, simplifying access and decision-making for bank officers.

- Leveraged lean techniques to optimize financial forecasting models using statistical analysis and Excel, minimizing human errors, and improving the precision of projections and decision-making processes.

- Support the portfolio manager with ad-hoc reporting and dashboard creation to monitor key performance indicators and conduct industry and market research for management presentations.

- Standardized the tracking of monthly expiring annual reviews and exposure across credit analysts’ portfolios using data analytics tools to achieve performance objectives.

- Mentored junior credit analysts in commercial real estate lending, focusing on cash flow projections for property valuation using Argus Software and advanced features in Microsoft Suite applications, improving team capability.

- Presented annual review reports for lending approval at management credit committee meetings, effectively communicating complex financial data to non-technical stakeholders.

- Initiated the revision of reports from junior credit analysts to assist the portfolio manager optimize resource allocation.