Patricia Gutierrez Vasquez
Senior Credit Analyst, AVP @River City Bank
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WORK HISTORY
Senior Credit Analyst, AVP @River City Bank
CA, US
Manages credit portfolio with over 80 clients and total portfolio loans aggregating to approx $0.5Bn.• Analyzes and articulates transaction risk and recommends loans for approval for new and existing commercial customers. Loan types include, but are not limited to, working capital lines of credit, asset-based lines of credit, equipment loans, and owner-occupied real estate loans.• Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources. • Identifies and summarizes risks related to third party reports and collateral valuations.• Prepares timely and concise formal, written credit recommendations with limited supervision, ensuring complete and accurate information. • Analyzes industry trends and ensures compliance with current legal requirements.• Monitors borrower financial performance in line with commercial loan documents; spreads financial statements ensuring resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation. Collaborates with Relationship Manager and Portfolio Manager to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.• Maintains close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process.• Serves as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process.• Supports Community Reinvestment Act (CRA) through business development efforts. Actively participates in community organizations. • Maintains a current knowledge of bank regulations. • Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
EDUCATION
Loyola Marymount University
Bachelor of Business Administration - BBA, Finance, General
California State University, Long Beach
Master of Business Administration - MBA, Business Administration and Management, General
Alexander Hamilton High School
High School Diploma
SKILLS
ABOUT PATRICIA GUTIERREZ VASQUEZ
Patty serves as a Senior Credit Analyst with River City Bank. She graduated with a Bachelor\'s in Business Administration, with a concentration in finance from Loyola Marymount University. Patty also earned an MBA with California State University, Long Beach in 2023.
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