JOSE RUIZ

JOSE RUIZ

VP Senior Risk Analyst

Followers of JOSE RUIZ20 followers
location of JOSE RUIZPuerto Rico

Connect with JOSE RUIZ to Send Message

Connect

Connect with JOSE RUIZ to Send Message

Connect
  • Timeline

  • About me

    Vice President of Credit at Commercial Equipment Finance, Inc.

  • Education

    • Universidad Inteamericana de Puerto Rico - Recinto Metropolitano

      -
      Bachelor Accounting
  • Experience

    • GE Capital

      Feb 1983 - Jul 2012
      VP Senior Risk Analyst

      Experienced lender with over 30 years of expertise in all facets of commercial equipment lending,credit analysis, underwriting, portfolio management, loan administration, and portfolio liquidations all within high-profile corporations. Involved in the underwriting of more than $500M in loans and leases in Puerto Rico, Dominican Republic, and the USVI, in different industries and with different types of collateral. Vast experience managing large size portfolios. As a portfolio liquidator generated restructures and recovery strategies, minimizing portfolio losses. Team player with effective leadership, communication, decision making, problem solver, and good interpersonal skills, together with a strong focus on results. Show less

    • Commercial Equipment Finance, Inc.

      May 2013 - now
      Vice President of Credit

      Team head in charge of the Risk Department, supervising four persons, including the risk underwriting, collateral valuations, and the perfection of all transactions approved. I’m accountable for the supervision of two underwriters on more than 300 transactions per year. Maintained closed attention to details during the documentation, funding and perfection process. I provided my skills and assistance to the Portfolio Manager by advising on the restructuring and mitigation efforts of distressed accounts. My underwriting skills were also used to prepare write-ups for third parties on their presentations to their board. I have Credit Approval lending limit of $500k. Show less

  • Licenses & Certifications

    • Statement Analysis & Financial Evaluation

      GE Capital
      Sept 1983
    • Advance Credit Analysis Seminar

      GE Capital
      Jun 1990
    • Cash Flow Analysis

      GE Capital
      May 1984
    • Green Belt Certification (GB)

      GE Capital
      Jan 2002
    • Financial Management Program

      GE Capital
      Nov 1986