Valerie Mendoza Salirrosas
Credit Analyst @ServisFirst Bank
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WORK HISTORY
Credit Analyst @ServisFirst Bank
Tampa, FL, US
Underwrite $20MM+ CRE and construction facilities end to end: build pro forma NOI and cash-flow models, size debt via DSCR, LTV/LTC, and Debt Yield, run sensitivity/scenario analysis on rates, rents and costs, and recommend structures, covenants, collateral, and guarantor support.Monitor a $16B+ portfolio using time-series trend and variance analysis, cohosting by asset class/market, and early-warning KPIs to detect covenant drift, rating migration, and liquidity pressure, strengthening portfolio stability.Maintain portfolio quality control with a disciplined tickler framework tracking delinquent property taxes, flood/hazard insurance, and covenant tests; reconcile data to servicing systems and keep files audit-ready and policy-compliant.Automate and analyze 30+ monthly reports on past-due loans, construction draws, and collateral exceptions; produce KPI dashboards and variance insights that elevate senior management decision-making and tighten credit risk mitigation.
EDUCATION
University of South Florida
Bachelor of Science - BS, Business Analytics & Information Systems
University of South Florida
Bachelor of Science - BS, Finance
ABOUT VALERIE MENDOZA SALIRROSAS
Business Analytics & Information Systems and Finance with a concentration in Investment…
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