Germán Gutierrez-Cardoza
Portfolio Manager at Century Bank
- Role
- Portfolio Manager at Century Bank
- Location
- Albuquerque, NM, US
- LinkedIn followers
- 500 followers
About Germán Gutierrez-Cardoza
Commercial banking professional with experience underwriting and managing CRE, C&I, and…
Experience
Portfolio Manager
Sep 2024 — Present · Santa Fe, NM, US
Underwrites Commercial Real Estate (CRE), Commercial & Industrial (C&I), and SBA loan requests 7(a) & 504.• Created and maintains Portfolio Loan Funding Worksheet to track the Northern New Mexico Commercial Portfolio, improving management and reporting accuracy.• Enhanced Preflight Presentation Process by streamlining information and improving workflow efficiency.• Prepare Credit Presentations, Preflight Presentations, covenant waivers, annual reviews, and risk rating changes, ensuring compliance with bank standards.• Created and Maintains Commercial Pipeline Report to help Bankers, the Regional President, and the President/CEO track loan activities and upcoming deals.• Tests loan covenants and collaborates with Senior Credit Analysts to maintain strong credit hygiene across portfolio.• Collaborates with the Commercial Lending Team to prepare comprehensive business proposal packages.• Collects updated financial document packages from borrowers to ensure the bank has updated borrower files.
Education
The University of New Mexico - Robert O. Anderson School of Management
Bachelor’s Degree
2014 — 2018
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