Irina L.

Experience

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  GPC Management, Inc.

  Jun 2003 - Dec 2004

  Accounting Intern

  Performed various accounting tasks including data entry, file management, account reconciliation, and other clerical duties as assigned.

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  Eagle National Bank of Miami

  Feb 2005 - Apr 2006

  Credit analyst

  Performed credit analysis and underwriting of commercial loans, including ABL, CRE, C&I, and international bank lending. Analyzed corporate and personal financial statements, tax returns, and credit history. Prepared spreads using WinFast banking software. Analyzed international banks’ financial statements and assessed specific foreign country risks using Fitch Ratings and Moody’s grade systems and country credit reports. Prepared revenue projection schedules. Presented loan packages at weekly loan committee meetings. Show less

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  Sun American Bank

  Apr 2006 - Jun 2007

  Senior Credit Analyst

  Completed underwriting and credit reviews of CRE loans including new construction real estate financing, ABL, and other C&I financing via analysis of tax returns, financial statements, accounts receivables/ payables reports, inventory schedules, rent roll reports, leases, credit bureau data and any other pertinent documentation. Trained and mentored junior credit analysts.

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  SunTrust Bank

  Jun 2007 - Jul 2008

  Portfolio Manager, AVP

  Managed a portfolio of existing commercial notes in the Private Wealth Management sector including review of pay history, credit reports, financial documentation, legal documentation, and overall client performance. Successfully managed a small group of portfolio assistants. Operated Moody’s Risk Analyst and other banking software to input corporate financial data and grade loans.

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  Circle K

  Jul 2008 - Nov 2009

  Real Estate Financial Analyst

  Analyzed financial and market data to create ad hoc and pro forma financial reports as basis for recommending divestments and acquisitions of commercial real estate holdings within the Gulf Coast Business Unit portfolio. Used CoStar, Oracle, Microsoft Access, and Microsoft Excel software for data validation and analysis. Calculated various financial performance key metric ratios such as ROI, ROE, IRR, liquidity, and leverage. Worked closely and negotiated with local state and city government agencies to obtain new and renew existing store operating licenses. Show less

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  Financial Services

  Oct 2009 - Dec 2015

  Finance Professional

  Provided independent consultant services in the fields of finance, business marketing, and customer service to private clients in Jacksonville, FL and Bremen, Germany, Annunciation Orthodox Church of Jacksonville, FL, Bremer Hockey Club in Bremen, Germany, and Pulse Fitness Center LLC in Jacksonville, FL. Additionally, pursued a second Master’s degree in Health Science with a GPA 3.78.

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  EverBank

  Mar 2016 - Dec 2017

  Commercial Loan Review Analyst

  Perform reviews of commercial loans within various Lines of Businesses of a $30 BN financial institution (now part of TIAA, FSB) to include Specialty Lender Finance, Commercial Real Estate, Vendor Equipment Finance, Asset Based Lending, Mortgage Warehouse Finance, and Capital Equipment Finance. Validate compliance with policies and procedures, appropriateness of risk ratings, integrity of credit documentation and conformity with regulatory guidelines. Assist in preparation of sample scoping and risk assessment for internal and external reporting. Other responsibilities as assigned. Show less

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  TIAA

  Jun 2017 - Dec 2017

  Commercial Loan Review Analyst

  Perform loan reviews of commercial loans within various lines of businesses of a $30 BN financial institution to include Specialty and Lender Finance, Commercial Real Estate, Vendor Equipment Finance, Asset-Based Lending, Capital Equipment Finance, and Mortgage Warehouse Finance. Scope of reviews includes validation for compliance with credit policies and procedures, appropriateness of risk ratings, integrity of credit decision and quality of documentation, financial analyses, and conformity with regulatory guidelines. Other projects as assigned. Show less

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  Israel Discount Bank

  Dec 2017 - Feb 2018

  Vice President, Asset Based Lending Division

  Responsible for underwriting and renewal of ABL credit facilities including analysis of financial statements, collateral performance, review of field exams, appraisals, and projections. Determine risk exposure for individual credits within ABL portfolio and recommend proper course of action. Prepare other credit memos as assigned.

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  Sterling National Bank

  Feb 2018 - now

  Underwriting, credit analysis, and all related credit due diligence in Middle Market, C&I, and CRE commercial portfolio banking segments.

  • Director, Commercial Banking Portfolio Management

    Jan 2021 - now

  • VP, Senior Portfolio Manager

    Jun 2019 - Jan 2021

  • VP, Senior Commercial Portfolio Analyst, Credit Administration

    Feb 2018 - Jan 2021
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  Webster Bank

  Feb 2022 - now

  Managing Director