Jose Raul Michael Rael
Commercial Banker @JPMorganChase
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WORK HISTORY
Commercial Banker @JPMorganChase
Mountain West -Denver, CO, US
JP Morgan Chase & Co.’s Middle Market Banking and Specialized Industries is a Commercial Banking business located in 1010 offices across the US and Canada providing treasury management, credit, capital markets and corporate finance advisory solutions to corporations.Our local delivery model, coupled with the firm’s global resources, allows us to provide clients with customized, comprehensive solutions and exceptional service. Our competitive advantages include robust international capabilities, the ability to provide clients with access to world-class investment banking solutions and our focus on industry specializations. These key differentiators, combined with our dedication to personalized service allows us to build long-term relationships with our clients.If you would like to learn more about our Commercial Banking, I would love to hear from you. Feel free to contact me via InMail.Core Competencies: Strategic Planning | Formal Credit Training | Financial (Debt) Modeling and Scenario Building | Risk Management | Cash Management | Regulatory Compliance | Financial Analysis | Executive Presentation | Vendor Management
EDUCATION
University of Colorado Denver
BS, Finance
University of Colorado Denver
Bachelor's degree, Finance, General
ULACIT
Certificate of Completion -International Studies Abroad, International Business
Colorado State University
International Management, -Finance specialization
ABOUT JOSE RAUL MICHAEL RAEL
Business finance professional with extensive experience in commercial loan underwriting, commercial lending, treasury management, & problem loan remediation.Core Competencies:·Commercial Lending & Underwriting ·Collateral & Risk Analysis ·Loan-loss Mitigation·Credit & Treasury Management ·Accounting Methods ·International MangementA credit professional with ~20 years of experience in divergent capacities, Rael possesses a notable combination of skills. His background in credit and treasury management, equips him to serve in both business cash management and credit risk management roles. His experience in loan remediation (i.e. loan-loss recovery or \'workout\') and credit analysis complements expertise in treasury management, cross-sell, and business development.Mr. Rael has an academic background in finance, international management, and accounting. He maintains an intricate knowledge of borrower risk measurement methods (BQR/CQR/AQR), financial regulatory requirements, lender due diligence, commercial lending practices, and accounting treatments & methodologies.Rael possesses thorough knowledge of direct and operational risk analysis for a variety of industries. He is a proven leader with the necessary drive to execute interdivisional initiatives with an ability to succinctly communicate complex ideas.With over $60B in commitments, Wells Fargo Capital Finance provides senior secured financing solutions from $3 million to $1 billion+ to middle market companies and financial sponsors across North America. Funds are generally used to refinance debt, improve liquidity, and to provide capital for acquisition or expansion.Responsibilities include sourcing, structuring and negotiating transaction terms as well as managing the origination/underwriting and portfolio management process.
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