Anthony Masando

Detail-oriented Senior Commercial Credit Analyst with 12+ years of expertise in risk assessment, credit underwriting, and portfolio management. Proficient in business and financial statement analysis, credit risk evaluation, and determining the creditworthiness of individual and commercial borrowers. Experienced in managing financial aspects of auto sales and consumer lending, building strategic relationships with lenders, partners, and sponsors, and ensuring regulatory compliance across diverse loan portfolios.

Adept at collaborating cross-functionally with bankers, portfolio managers, and credit officers to structure sound credit solutions.

Credit Manager - Shop Your Loan LLC - Frisco, TX

(2023-09)

• Identified and capitalized on growth opportunities within the lending function to support business expansion.
• Maintained relationships with lenders, brokers, and vendors; negotiated rates and ensured consistent F&I product delivery across the dealership network.
• Analyzed creditworthiness of enterprises and corporations applying for large-scale wireless financing products.
• Prepared financial reports, analyzed variances, and recommended corrective actions to meet revenue and loss targets.
• Oversaw loan and lease portfolios, monitored risk metrics, managed collections, and coordinated with third-party agencies for repossessions and recovery.
• Calculated key financial ratios including Debt-to-Income (DTI) and Working Capital to determine borrower qualification for loan products.
• Conducted in-depth credit reviews and due diligence on commercial and consumer loan applications, ensuring alignment with internal credit policies and regulatory standards.
• Developed and implemented credit risk scoring models and underwriting guidelines to streamline approval workflows and reduce default exposure across the loan portfolio.
• Collaborated with sales and finance teams to structure competitive financing solutions, improving deal conversion rates while maintaining sound credit quality and risk-adjusted returns.

Commercial Underwriter - Morgan Stanley - New York, NY

(2020-08 - 2023-08)

• Analyzed and assessed financial statements and credit history of existing and prospective clients to ensure loans were appropriately structured and met credit requirements for lending quality and compliance with the Bank's Credit Policy.
• Partnered with Bankers, Portfolio Managers, and Credit Officers in managing and monitoring loan portfolios.
• Applied independent judgment in identifying primary risks, issues, and mitigating factors regarding extensions of credit.
• Participated in client site visits, prospect calls, and internal loan discussions to remain actively involved in structuring and managing client credit facilities.
• Prepared and presented detailed credit approval memoranda (CAMs) summarizing financial analysis, risk ratings, deal structures, and recommended credit actions for senior credit committee review.
• Monitored existing commercial loan portfolio for covenant compliance, financial deterioration, and early warning indicators, escalating identified credit concerns to senior risk management.
• Maintained up-to-date knowledge of industry trends, market conditions, and regulatory changes to ensure credit decisions reflected current risk environment and compliance requirements.

Funding Analyst II - General Motors - Denver, CO

(2017-01 - 2020-07)

• Evaluated and analyzed financial information to determine borrower eligibility for various loan products including mortgage, personal, auto, and other consumer loan categories.
• Guided clients through loan applications, ensuring timely collection of all necessary documentation and supporting materials.
• Processed over 100 auto warranty claims per month, maintaining accuracy and efficiency in a high-volume environment.
• Presented and negotiated loan terms and repayment structures in alignment with institutional policies and client financial needs.
• Coordinated with third parties including escrow agents, dealerships, title companies, and financial institutions to facilitate smooth loan closings.
• Structured and processed commercial vehicle lease agreements for fleet customers, evaluating business creditworthiness, residual value projections, and lease-end obligations in compliance with GM Financial underwriting standards.
• Assessed commercial fleet lease applications for small and mid-size businesses, analyzing financial statements, tax returns, and business credit profiles to determine lease eligibility and appropriate vehicle allocation.
• Coordinated with dealership fleet managers and commercial account representatives to facilitate end-to-end lease originations, ensuring accurate documentation, title processing, and timely funding for commercial vehicle transactions.

Credit Analyst - Neat Lending - Southport, CT

(2014-02 - 2016-12)

• Reviewed all pertinent credit and financial information including bank files, credit reporting services, tax returns, and financial statements to assess borrower creditworthiness.
• Assisted Loan Review, Chief Lending Officer, and core bank market leaders in exam and external loan review preparation.
• Prepared detailed spreadsheets and related financial analysis to support credit decisions and portfolio reporting.
• Assisted customers and peers in the preparation of loan application packages for loan committee presentations.
• Monitored loan agreement covenants and borrowing base compliances and reported exceptions to senior management.
• Contributed to reports on overall energy portfolio performance, risk metrics, and exposure analysis.

Bachelor of Science - Finance - Dallas Baptist University (2020-08 - 2026-07)

Banking Diploma - Institute of Bankers (2010)