Qd

Dynamic and detail-oriented Credit Risk Manager with over 15+ years of proven experience managing risk in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loan portfolios ($6.5BN+). Extensive expertise in underwriting, portfolio management, and loan restructuring, with a strong focus on compliance and risk mitigation. Skilled in conducting complex credit analyses, evaluating borrower financial performance, and implementing policies that align with regulatory standards.

Adept at fostering collaboration across lending departments, leading audits and regulatory examinations, and delivering actionable insights to executive leadership. Recognized for developing innovative strategies that improve portfolio quality, enhance decision-making, and drive organizational growth while safeguarding assets.

Credit Risk Manager, VP at Popular Community Bank (2018-06 – Present)

• Oversee credit risk for CRE (including Multifamily, Retail, Construction), and C&I portfolios, ensuring compliance with underwriting standards, identifying credit risks, and leading quarterly portfolio performance reviews to mitigate potential losses.
• Direct the evaluation and approval of credit proposals, risk ratings, and annual reviews for new and existing loans, reducing policy exceptions and delinquencies from $34M to $1.2M and significantly improving portfolio quality.
• Provide direct oversight of Credit Underwriting/Portfolio Management, and Line of Business teams, consists of 20+ professionals (10+ Underwriters/Portfolio Officers and 12+ Loan Officers) across the New York and Florida regions, ensuring consistent credit standards and execution.
• On quarterly basis, lead enterprise-level credit risk initiatives, delivering data-driven recommendations to senior leadership and the Credit Risk Committee to strengthen underwriting standards and ongoing portfolio monitoring in response to emerging risks, macroeconomic conditions, and forward-looking projections.
• Spearhead high-impact special projects, includes bank-wide transformation initiatives and process re-engineering, resulting in a 30% reduction in loan production cycle time and materially improved operational efficiency.
• Review credit exceptions & covenant reporting and make recommendations to the Risk Appetite Criteria (RAC).
• Oversee the development, implementation and maintenance of risk rating, stress test, and PD/LGD model and provide subject matter expertise on risk rating scorecards while partnering with Information Technology and Corporate Credit Risk Teams.
• Prepare enterprise valuations quarterly, stress tests, risk migration and impairment trend analyses for CRE portfolios, presenting findings to senior management and contributing to data-driven risk appetite strategies.
• Perform quarterly industry analysis to report macroeconomic conditions and potential impacts on Bank's Commercial portfolio.
• Identify and monitor all "at risk" credits (Watch or Worse rated, refinance risk, upcoming maturities) and assure properly reporting on quarterly basis with action plans and remedial efforts.
• Support regulatory and internal audits, model validation exams and procedures for a $6.5B CRE portfolio, obtaining satisfactory ratings with no major deficiencies and strengthening compliance frameworks.
• Develop and deliver training programs on Commercial Loan Information systems enhancing system utilization and aligning credit processes across all business units.
• Collaborate with origination and portfolio management teams to resolve credit issues, streamline workflows, and achieve reduction in risk rating exceptions within the year.

Asset/Risk Manager at Savoy Bank (2017-06 – 2018-06)

• Mitigated risks across Commercial Real Estate, Multifamily, and C&I loan portfolios by evaluating borrowers, conducting thorough due diligence, and ensuring compliance with credit standards throughout the loan lifecycle.
• Underwrote and managed loan operations, including renewals, modifications, restructures, and assumptions, driving $35MM in income gains within five months through expanded client relationships.
• Restructured troubled debt restructuring (TDR) and non-performing loan strategies, implementing asset resolution alternatives that recovered $10MM in profits while safeguarding portfolio health.
• Led regulatory audits and examinations for CRE lending, liaising with external auditors to ensure compliance and passing all regulatory inspections with no critical findings.
• Developed comprehensive procedure manuals for the credit department, enhancing operational efficiency and reducing training time for new employees.

Asset Manager at Capital One Bank (2014-09 – 2017-05)

• Managed a $2B Commercial Real Estate and Multifamily loan portfolio, conducting in-depth analyses of historical data and market trends to resolve issues, maintain asset quality, and strengthen client relationships.
• Executed operational activities, including loan renewals, restructures, assumptions, and covenant tracking, ensuring compliance and identifying material changes throughout the loan lifecycle.
• Mitigated $60MM in risks by implementing strategic loan paydowns and advising relationship managers on credit risks, policy adherence, and concentration exposures.
• Collaborated on the development of comprehensive policies and procedures for the asset management department, enhancing operational efficiency and compliance frameworks.

Asset Manager at New York Community Bancorp Inc. (2010-02 – 2014-09)

• Managed commercial and multifamily loan portfolios totaling $6B, evaluating financial performance for high-profile loans exceeding $50M and mitigating risks through detailed analysis and borrower engagement.
• Underwrote loan modifications, troubled debt restructurings (TDRs), and participations/ syndications, preparing approval memos for SNDAs, development rights, escrow releases, ownership transfers, and collateral releases in collaboration with senior executives.
• Developed action plans to address underperforming loans, aligning with bank regulations to eliminate risks and safeguard portfolio quality.
• Evaluated credit risks for Top 20 borrower portfolios worth $5B, creating an analysis framework and procedures that streamlined risk management and enhanced decision-making.

Senior Credit Analyst at New York Community Bancorp Inc. (2010-02 – 2014-09)

• Performed in-depth analysis of income statements, balance sheets, rent rolls, and escrow balances for Multifamily and Commercial loans, ensuring compliance with debt service coverage requirements and reporting trends to senior management.
• Managed a $6BN CRE loan portfolio, maintaining open communication with borrowers, agents, and brokers while addressing inquiries to ensure client satisfaction and retention, including oversight of the top 20% client portfolios.
• Streamlined department workflows by conceptualizing and implementing new policies, procedures, and spreadsheet tools, enhancing the efficiency of critical information capture and reporting processes.

Master of Science in Accounting & Information Systems – Queens College (2012)

Bachelor of Science in Accounting & Economics – Queens College (2010)

Certificate in Residential Property Management – New York University SCPS (2015)

Certificate in Real Estate Development – New York University SCPS (2014)