JOSE RUIZ

Experience

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  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

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  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