Jisselle Martinez Turquie

About Jisselle Martinez Turquie

Bilingual, in Spanish and English. I am a dedicated and passionate individual ready to…

Experience

1. Portfolio Servicing Financial Analyst

   Capital Cdc

   Jan 2020 — Present · Austin, TX, US

   Responsible of collecting, reviewing, and analyzing borrower, operating company, and guarantor financial statements and tax returns on an annual basis and to assign each loan a risk rating / loan grade based on the appropriate loan grading criteria-Service CCDC’s portfolio of SBA 504 loans in accordance with the SBA’s and CCDC’s policies and procedures. Assist with the on-going collection of required loan file documentation and processing of complex loan servicing requests from borrowers. Financial analysis duties require direct daily correspondence with SBA, borrowers, bankers, etc.FINANCIAL STATEMENT REVIEW AND LOAN RISK GRADING-Send letters/emails requesting borrower and guarantor financial statements and tax returns on an annual basis-Spread the financials in the system and compare to prior year financials and compare ratios to industry standards (NAICS / RMA)-Assign loans a loan grade based on the financial review and other applicable criteria and submit a write-up to the department manager for review-For loans with a risk rating of “4” or higher, coordinate with Senior Servicing Specialist and department manager for borrower and third-party lender outreach to gather more information and to offer payment assistance when appropriate-Meet with Senior Servicing Specialist and department manager on a monthly basis to discuss the loans listed on the Watch Report. Perform “pre-flight” financial analysis on loan opportunities as required by the Board of Directors-Review tax returns to verify individual owner names and their ownership percentages. If any changes are noted, ensure any required documentation is obtained and reviewed in order to seek SBA approval of the changes that have occurred.