EDUCATION Escuela Bancaria y Comercial -2011
B.A. in Finance and Banking
Tecnol ógico de Monterrey – 2016
MBA
FERNANDO MARTINEZ
INSTITUTIONAL UNDERWRITING PARTNER – SOLUTIONS
Houston , TX | Fernando1986 .Martinez @hotmail .com | +1 281 -541 -2917
Strategic Finance & Credit Risk Executive , bilingual with 17 + years of experience leading high -impact financing across
Commercial , Corporate , and Real Estate sectors in the US and Latin America . Recognized for structuring $80M + in loans ,
streamlining approvals by 40 %, and driving profitability through data -driven credit strategies . Bilingual in English and
Spanish , I deliver innovative , risk -optimized solutions that empower sustainable business growth .
PROFESSIONAL EXPERIENCE
Institutional Underwriting Partner | BSC – US Real Estate & Financing Solutions Jan 2023 – Present
Structured and closed $80M + in financing deals within 20 months , driving revenue growth and expanding portfolio
performance .
Reduced loan approval cycles by 25 % by standardizing processes and improving cross -team collaboration .
Increased client retention and referrals by 40 % through tailored , solution -oriented consulting and bilingual support .
Originated and structured SBA , commercial , and residential mortgage loans for US residents and international high -net -worth
investors .
Senior Commercial Lending Officer | Exitus Global / CV Credit Feb 2021 – Dec 2023
Managed $28M + in monthly international factoring placements , ensuring consistent liquidity and operational efficiency
across global markets .
Originated and structured cross -border commercial lending deals throughout Latin America , driving growth and
expanding international portfolios .
Boosted approval rates and accelerated deal closures by customizing credit structures and delivering high -touch ,
client -focused financial strategies .
Commercial Lending Executive | Covalto (CrediJusto ) Jan 2020 – Feb 2021
Delivered faster , more accurate lending decisions by conducting in-depth credit assessments and underwriting for
business and real estate transactions .
Improved portfolio quality by reducing loan processing times and lowering non -performing assets .
Enhanced approval efficiency by contributing to the launch of a new credit scoring model .
Senior Credit Risk Manager | Navistar Financial May 2017 – Jan 2020
Led and mentored a team of 9 analysts overseeing 88 % of Navistar ’s transportation finance portfolio , ensuring
compliance and asset quality .
Developed parametric lending standards for $5M –$8M transactions , improving loan approval timelines by 27 %.
Maintained an exceptional 0.1% NPL ratio , demonstrating strong risk oversight and portfolio performance .
Credit Risk Executive | CHG -MERIDIAN June 2014 – May 2017
Strengthened portfolio performance and reduced delinquencies by evaluating corporate creditworthiness , developing
risk assessments , and implementing targeted credit controls .
Mitigated potential losses through proactive portfolio monitoring and early intervention strategies .
Credit Risk Analyst / Underwriter | Honeywell April 2010 – June 2014
Enhanced credit decision -making by conducting global financial evaluations , defining credit limits , and providing
detailed risk insights to approval committees .
Improved portfolio quality and efficiency by implementing new risk assessment tools , increasing analysis speed and
accuracy , and reducing potential bad debt through early identification of high -risk accounts .
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