Mileidy Serra

WORK HISTORY

EDUCATION

SKILLS

ABOUT MILEIDY SERRA

Mileidy Serra is a 25 year professional banker. Managing the commercial/middle market and business banking loan portfolios for the last 15 years of her banking career. She managed the business banking loan portfolio for the Broward team in BU & before that also managed a portfolio of 50 clients in the commercial/middle market division for TIBOM with $55MM in outstandings.The Business Banking Portfolio Manager role consisted of supporting the Business Bankers and Sales Team Managers in: a) early-stage evaluation of new credit opportunities, b) co-managing assigned existing client credit relationships, and c) serve as a primary contact for assigned clients with <$500M in total credit exposure. Some of her responsibilities included: Covenant testing when required by loan agreement and/or credit approval; Annual Property Inspections; Ensured collection (via client notification) of past due payments, expired insurances, past due real estate tax payments, coming due financial reporting; Prepared and administered annual reviews, quarterly portfolio summary reviews, workout and recovery transfer forms, criticized asset report forms, and light criticized asset reports for smaller credit relationships; For criticized assets with real estate ensured collateral valuation (via appraisals); Generated & Completed financial spreads and global cash flow analysis on an as needed basis; Generates change of risk rating forms for upgrading or downgrading credit relationships; Worked closely with credit administration to fully understand credit culture, policy and procedures; and among others Ensured proper documentation of the credit files with financial reporting, covenant testing, file memos, property inspections, quarterly reviews, CAR and LCAR reports, and all pertinent information that pertains to maintaining an active and up-to-date credit file that reflects the most current status of the relationship.