Javier Fernandes
MSF (2025) | Commercial & Industrial Credit Analysis & Underwriting | Risk Mitigation | Action & Exit Strategies | Collateral & Guarantees
- Role
- VP - Senior Credit Officer at Ocean Bank
- Location
- Miami, FL, US
- LinkedIn followers
- 500 followers
About Javier Fernandes
Extensive Credit Analysis: Analyzed diverse industries and credit products, such as asset-based lending, dealer floor plans, and commercial real estate. Customer Engagement: Delivered personalized credit solutions at Ocean Bank, leading to a promotion to handle critical commercial credit relationships, including loans exceeding USD10 million. Special Assets Expertise: At Elavon USBank in Spain, conducted credit analysis for merchant card services, aligning credit relationships with bank policies and risk appetite. Financial statements analysis Collateral and guarantees Performance monitoring Loan remediation strategies Credit committee approval Business activity evaluation Negotiation Cross-functional teamwork Process improvement Rapid industry expertise development & I have mentored analysts and overseen high-quality analyses to enhance credit quality. At Elavon USBank, I prioritized remediation by proposing collateral alternatives, strengthening the Bank\'s position with high-risk clients. English (Fluent) Spanish (Fluent)
Experience
VP - Senior Credit Officer
Jul 2025 — Present · Miami, FL, US
Education
Harvard University
Secondary School Program, International Law
2007 — 2007
University of Miami
BA, Economics
2008 — 2013
Instituto Cumbres de Caracas
Bachiller en Ciencias
2003 — 2008
University of Miami
Master of Science - MS, Finance, General
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