Credit Risk Professional - with experience in ABL, C&I Middle Market, Commercial Real Estate, and Large Corporate lending.

Assistant Vice President, Credit Officer @ -Manage C&I portfolio by identifying early client risk/exposure, early detection of volatile industries and markets for a corporate banking portfolio. -Responsible for evaluating and making decisions on renewals, modifications and new deals ensuring quality and soundness for credit transactions. Manage the approval and commitment process ensuring compliance with Credit Policy -Responsible for evaluating financial performance of borrower and based on a variety of factors determining an appropriate risk rating. -Communicates final deal structure, pricing, terms and conditions to client and Sales team maintaining integrity of formal Committee Approvals. -Continuously monitors and frequently visits clients providing an independent review of credit quality, client risk/exposure, risk ratings, compliance with Credit Policy and compliance with terms and conditions of legal agreement. -Negotiates terms and conditions of Credit with Relationship Manager. -Responsible for the quality, integrity and soundness of all financial analysis, underwriting and credit approval processes for an assigned portfolio. -As primary liaison for client prospects; I interact with existing and potential clients and Corporate Banking Sales teams on a routine basis. Identifies cross-sell opportunities. -Proactively manages credit risk and exposure; initiates credit modifications and risk upgrading/downgrading, modifying terms and frequency of covenants, financial reporting, collateral security, audit schedule From October 2012 to Present (3 years 3 months) Assistant Vice President, ABL Credit Analyst @ -Worked alongside three Senior Portfolio Managers in managing Middle Market Asset Based Lines of Credit in the retail, automotive and energy sectors. -Performed thorough analysis of company financial condition on a monthly basis, identifying industry risks and opportunities, collateral coverage, review all field exam and inventory appraisals as needed. -Worked with Underwriting, Operations and Compliance teams to identify all risk factors and mitigants of ABL deals. -Ensured credit compliance with requirements by enforcing adherence to corporate systems, policies and regulations. -Review input of client data to the collateral and loan monitoring system used by First Niagara. Responsible for the internal monitoring and management reports used by the team, including the monthly sales and collateral trend analyses, and monthly financial trends. -Tested all clients’ covenants on a monthly basis and prepared quarterly asset reports. -Routinely met with clients to discuss financial performance, projections and opportunities for expanded relationship with ABL team. From March 2011 to October 2012 (1 year 8 months) Greater Boston AreaCommercial Credit Analyst @ -Proposal preparation of moderately complex to complex commercial lending relationships for companies in varied industries. -Focus on SBA Lending -Budget review for acquisition financing -Extensive financial analysis of financial statements including analysis of leverage, liquidity and coverage ratios. Analysis of guarantors and profitability models. -Industry Research -Worked on special projects for the bank including offsite "scrub" of a residential loan portfolio. -Proficient in all MS Office applications, knowledge of Mac Operating System, Adobe, SPSS From 2010 to 2011 (1 year) Greater Boston AreaLeadership Development Program/Commercial Credit Analyst @ -Participated in an 18 month formative Management Commercial Credit, Commercial Lending (C&I and Investment CRE) and Construction Lending. -Once I graduated from the program I worked as a Credit Analyst where I conducted high level credit analysis of commercial client relationships. -Underwriting of C&I and CRE loans ranging in size from $500M-$5MM+ -Thorough financial analysis of corporate financial statements including calculating debt service coverage, collateral coverage, financial ratios, and analyzing trends. -Researching industry background information on customers' line of business using RMA and other literature. -Obtaining and analyzing D&B reports as necessary. -Communicating with Commercial Lenders and other Credit Analysts on loan requests. -Portfolio maintenance of commercial lines of credit by conducting annual renewals. -Customer contact through joint calls with Commercial Lenders as needed From 2008 to 2010 (2 years) Volunteer @ Volunteer Abroad in Costa Rica. I worked with abandoned mentally disabled people. From 2005 to 2006 (1 year)

MBA, Business Administration and Management, General @ Clark University From 2006 to 2008 BA, Political Science @ Providence College From 2001 to 2005 Bishop Fenwick From 1997 to 2001 Daniel Menendez is skilled in: Commercial Lending, Underwriting, Portfolio Management, Credit Analysis, Credit Risk, C&I Lending, Asset Based Lending, Insurance, Loans, Credit, Financial Analysis, Financial Risk, Finance, Banking, Mutual Funds