Wells Fargo Credit Training Program

National University

Credit Risk Officer - Vice President at Citi Bank

Jacksonville, Florida, United States

Assess quality of assigned business portfolios, including identification and evaluation of emerging risks.  Review the appropriateness, completeness and usage trends of the credit risk components within risk appetite framework, ensure that corrective action plans for assigned businesses are appropriate. Monitor, validate and address concerns resulting from fundamental credit risk reviews or monitoring.  Work with complex and variable issues which may have potential credit risk impact, by developing an approach and taking actions that involves weighing various alternatives and balancing potential conflicting needs.  Interpret commercial credit bureaus, analyze trade experience, and utilize financial analysis to underwrite and approve commercial credit.  Appropriately assess risk when business decisions are made by demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets.  Drive compliance with applicable laws, rules & regulations adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct of business practices, escalating, managing and reporting control issues with transparency.

Citi

Credit Risk Officer - Vice President

I help small businesses grow and succeed with my expertise and the expertise of my colleagues.  Skilled in Conventional Commercial Loans, SBA Loans, Treasury Management, Nonprofit Organizations, Mergers & Acquisitions (M&A), Marketing, and Financial Analysis.

Florida SBDC Network

Business Development Consultant

Advising new and existing businesses on the structure and use of banking products ranging from credit facilities such as loans and lines of credit to cash management products which streamline business operations while improving cash flows.  Monitoring of existing loans by analyzing borrower's financial condition on quarterly and annual basis.   Discuss current and future financial needs of clients on quarterly basis.

Wells Fargo

Senior Business Relationship Manager

Advising new and existing midsize businesses executives on structure and use of banking products ranging from credit facilities such as loans and lines of credit to cash management products to streamline business operations while improving cash flow.

Business Relationship Manager - Vice President

Manage a large portfolio of diverse, complex commercial loans.  Responsible for analyzing complex companies and industries with annual revenues ranging from $5mm-20mm and conducting presentations on findings to leadership. Conduct complex credit investigations and analyzing diverse credit information for loans as well as analyzing/formalizing documentation of loan transactions and credit history of customers.  Assisting in preparation of credit memos for presentation to lending officers and approval committees, preform research/analysis related to projects such as industry studies and management reports.

Haiman Albana

Haiman Albana