Daniel Muler, CPA

Experience

• 

  Fast Tax de Puerto Rico

  Jan 2007 - Apr 2007

  Tax Preparer

  Income Tax Return Specialist

• 

  Fast Tax de Puerto Rico

  Jan 2008 - Apr 2008

  Tax Preparer

  Income Tax Return Specialist

• 

  Scotiabank

  Feb 2011 - Feb 2018

  Allowance for loan and lease losses (ALLL) monitoring and reporting.Monitoring commercial, corporate, small business and special accounts portfolios on a recurring basis for potential change in internal codification, changes to accrual or non-accrual status, and potential charge offs/write offs of bad debts per regulations. Monitoring and stress testing of commercial and government portfolio for possible changes in allowance or provisions made for each loan.Applying FAS 114 to impaired accounts, while also monitoring accounts for the implementation of FAS 5. Staying on top of current and future regulations regarding ALLL, including ASC 310-10-35 and CECL model. Staying on top of US GAAP and IFRS regulations.Maintaining asset quality of commercial portfolio through control of delinquency levels and non-accruals, while maintaining provision for credit losses within Profit Plan.Maintaining strong governance and full compliance oversight. Performing and completing environmental factors analysis.Reporting to the Board of Directors on a monthly and quarterly basis. Show less Monitored and provided ongoing follow up to account officers to ensure that collection strategies were followed and completed in a timely manner. Provided timely reports and presentations to Special Accounts Management to analyze the effectiveness of the strategies being implemented, and helped Management plan, direct and coordinate the loss mitigation efforts of the Unit. Worked with senior management in the preparation of presentations for management, Board of Directors and other company stakeholders. Provided accurate and timely information of the Unit's financial position to other departments, regulators and auditors. Prepared monthly portfolio evolution reports and presentations for the benefit of the Board of Directors. Prepared and managed the commercial portfolio pipeline for potential collections and recoveries. Prepared annual review updates ensuring the Unit meets established thresholds. Prepared and managed the weekly resolution strategy action plans, while also taking the minutes of the meetings. Show less

  • Credit Risk Manager

    Jan 2017 - Feb 2018

  • Risk Manager - Special Accounts Management

    Apr 2016 - Dec 2016

  • Client Portfolio Analyst

    Sept 2013 - Apr 2016

  • Sr. Processing Officer

    Feb 2013 - Aug 2013

  • Accounting Clerk

    Feb 2011 - Jan 2013
• 

  Bank of America

  Feb 2018 - Jun 2020

  • AVP, Commercial Credit Lending Officer

    Sept 2019 - Jun 2020

  • AVP, Commercial Credit Analyst 2

    Feb 2018 - Aug 2019
• 

  Fifth Third Bank

  Jun 2020 - Jul 2022

  Senior Credit Analyst
• 

  Bank of America

  Jul 2022 - now

  Senior Underwriter