Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Nelida Morales

Simi Valley

Summary

Commercial banking professional with nearly five years of experience in middle market underwriting Commercial & Industrial (C&I) and Commercial Real Estate (CRE) loans, managing commercial loan portfolios, analyzing financial statements and cash flow, monitoring covenant compliance and coordinating transactions from underwriting through closing. Proficient in Moody's CreditLens, nCino, Laser Pro, and Microsoft Excel.

Overview

2
2
Languages
5
5
years of professional experience

Work History

Underwriter

Columbia Bank
12.2021 - 05.2026
  • Managed an assigned commercial portfolio by monitoring borrower financial performance, covenant compliance, and ongoing risk
  • Underwrote C&I and CRE loan requests, renewals, modifications and annual reviews.
  • Collaborated with relationship managers, title companies, escrow officers, and attorneys through underwriting and closing.
  • Analyzed personal and commercial financial statements, tax returns, cash flow, and financial projections to assess borrower creditworthiness and repayment capacity.
  • Worked directly with clients to obtain financial information and resolve underwriting conditons.

Credit Analyst

Columbia Bank
07.2021 - 11.2021
  • Assisted portfolio managers with the analysis of C&L and CRE loan requests.
  • Learned commerical lending principles, underwriting processes, and ban credit policies.
  • Gathered and organized borrower financial information and supporting documentation.
  • Assisted with financial statement analysis, annual reviews renewals, and credit file preparation.

Education

Bachelor of Science - Financial Mathematics & Statistics

University of California, Santa Barbara
Santa Barbara, CA
06.2021

Skills

  • Loan structuring
  • Documentation review
  • Credit analysis
  • Cash flow analysis
  • Portfolio management
  • Underwriting policies

Languages

English
Spanish

Timeline

Underwriter

Columbia Bank
12.2021 - 05.2026

Credit Analyst

Columbia Bank
07.2021 - 11.2021

Bachelor of Science - Financial Mathematics & Statistics

University of California, Santa Barbara
Nelida Morales