Camila Beltrones Orozco

• Team Lead, Warehouse Lending Department.
• Lead daily credit operations, overseeing workflows, and ensuring efficiency within the Credit department.
• Manage and supervise a team of three junior analysts, overseeing their work in credit analysis and portfolio management.
• Perform credit analysis to evaluate borrower creditworthiness, ensuring compliance with credit policies, and risk parameters.
• Oversee the underwriting of loans, ensuring adherence to credit policies, and accurate assessment of borrower risk.
• Monitor loan performance metrics, including collateral valuation, and repayment trends, to identify potential risks and mitigate exposure.
• Analyze financial statements and borrower financial health to assess risk levels and maintain compliance with lending covenants.

• Conducted credit analysis to assess borrower creditworthiness and ensure compliance with policies.
• Oversaw loan underwriting, ensuring adherence to credit policies and accurate risk assessment.
• Monitored loan performance metrics, including collateral valuation and repayment trends, to identify risks.
• Analyzed financial statements to evaluate borrower health and maintain compliance with lending covenants.

• Participated in a rotational program designed to support key business functions across the bank.
• Successfully completed the Junior Banking Analyst two-year program in just one year.

First Rotation: Government, Risk, and Compliance

• Conducted comprehensive compliance reviews to ensure adherence to federal, state, and institutional regulations.
• Analyzed loan-level documentation to verify compliance with regulatory requirements and internal policies.

Second Rotation: Third-Party Credit Risk

• Prepared detailed credit approval memorandums, maintained accurate records to support underwriting decisions, and ensured compliance. Managed portfolios through covenant verification, financial analysis, and quarterly performance assessments.
• Managed portfolios through covenant verification, financial analysis, and quarterly performance assessments.

• Collected and verified financial information from loan applicants to ensure accuracy.
• Monitored loan progress, ensuring timely processing, and successful closing.
• Offered tailored loan options to meet clients' unique financial needs.
• Analyzed applicants' financial and credit profiles, evaluating assets and risk to assess loan feasibility.
• Utilized Salesforce CRM to track client interactions, document loan progress, and monitor follow-up activities.
• Developed and maintained strong relationships with clients, real estate agents, and other industry professionals, ensuring continued business and repeat referrals.