Andres H.

About Andres H.

I am a Vice President and Securities-Based Lending Underwriter at Citi Private Bank, managing a $425M portfolio for high-net-worth clients across the Latin America region. I specialize in evaluating complex credit structures, optimizing collateral and exposure, and building responsible lending solutions that balance client needs with strong financial discipline.With dual master’s degrees in Business Analytics & Information Systems and an MBA in Finance, I bring a quantitative, data-driven approach to financial decision-making. My background includes work in compliance and cross-border risk assessment, as well as analytics- and venture-focused exposure through Citi Ventures—giving me a well-rounded perspective across finance, risk, technology, and strategy.I enjoy roles that connect financial modeling, credit analysis, and strategic thinking to real business outcomes. I’m passionate about simplifying complexity, communicating insights clearly, and partnering across teams to support responsible growth and high-quality decisions.My professional interests include finance, credit risk, compliance oversight, strategy, data-driven analysis, global markets, and technology-enabled financial solutions.

Experience

1. Vice President, Securities-based Lending Underwriter

   Citi

   May 2021 — Present · Miami, FL, US

   Summary:Lead underwriter managing a $425M portfolio for high-net-worth clients across the Latin America region. Responsible for evaluating collateral, assessing credit risk, and structuring SBL solutions aligned with internal policies and disciplined risk management.Key Contributions:• Exercise delegated credit officer authority to approve facilities up to $2.5MM, ensuring alignment with policy, risk appetite, and underwriting standards.• Underwrite SBL credit facilities secured by equities, fixed income, structured notes, and multi-asset portfolios, supporting UHNW and international clients.• Conduct financial analysis on borrower liquidity, net worth, leverage, and cash flow to determine creditworthiness and risk-adjusted lending capacity.• Perform stress testing, scenario modeling, and sensitivity analysis to evaluate market-driven impacts on collateral and exposure.• Present complex credit recommendations to senior underwriting leadership, front-office teams, and risk committees.• Strengthen underwriting consistency by improving documentation quality, exception tracking, and decisioning frameworks.• Partner across ICM, Legal, Compliance, and Operations to ensure accurate structure, execution, and governance alignment.• Monitor a $425M portfolio by reviewing position movements, concentration risks, and policy thresholds; maintain strong control standards.• Collaborate with regional bankers to provide tailored lending solutions while upholding responsible risk management principles.

Education

• University of South Florida

  Bachelor of Science, Marketing

• University of South Florida

  Master of Business Administration, (MBA), Finance

• University of South Florida

  Master of Science (MS), Business Analytics & Information Systems

Skills

• Market Research
• Google Analytics
• Management
• Salesforce
• Sql
• Customer Satisfaction
• Teamwork
• Data Entry
• Microsoft Office
• Sales
• Leadership
• Time Management
• Data Analysis
• Social Networking
• Marketing Strategy
• Microsoft Publisher
• Customer Service
• Project Management
• Strategic Planning
• Microsoft Word
• Team Leadership
• Public Speaking
• Marketing
• Business Strategy
• Strategy
• Adobe Marketing Suite
• Anti Money Laundering
• Microsoft Excel
• Business Analysis
• Problem Solving
• Adobe Analytics
• Social Media
• Critical Thinking
• Adlearn Open Platform